AZ INSURANCE TEAM BLOG

Millions of Americans are affected by identity theft each year and while Americans are becoming more aware of the dangers, identity thieves are also getting craftier. Once a thief has stolen your identity, they can steal your tax refund, apply for credit cards and loans in your name, sell your information to other criminals, and withdraw funds from your bank account. For this reason it’s important to recognize the signs of identity fraud early on and prevent your finances fro

The color of my car is a factor when determining my rates: Contrary to popular belief, red cars do not cost more to insure.  You won’t even be asked about the color of your car when you’re being quoted.  However, your car’s make and model, year, and engine size are among some of the factors that can have an effect on your rates. If someone  else gets into an accident in my car i wont be held responsible: Typically, the insurance policy covering the vehicle is considered the p

In the search for life insurance, you have most likely encountered the terms Permanent Life Insurance and Term Life Insurance. But what exactly is the difference between term and permanent life insurance? Well, let’s start by breaking down what exactly term and permanent life insurance is. Term life insurance is life insurance that is purchased for a set period of time, usually from 10, 20 or 30 year time frames. There are many benefits to purchasing term life insurance. The

We see advertisements for life insurance everywhere. But what exactly are the benefits of life insurance? Well, there are quite a few of pros to life insurance. Here are come common uses for life insurance payouts: • It covers lost income – If you or your spouse were to pass, life insurance can help to make up for the sudden loss of income. • It covers unexpected childcare costs – Even if there is no income to replace, if a parent remains at home to take care of the children,

Hopefully, you’ll never have to file a claim for your home insurance. But life is often unpredictable and knowing how to navigate the claims process can be an advantage in times of stress. How does a home insurance claim work? And how do you file one? Well, here are the steps you need to take to file a home insurance claim: 1. Ensure that everyone is safe – In the event of a covered peril (loss), such as a fire or water damage, your first priority should always be to make sur