How to Get an Auto Insurance Quote on a Vehicle You Don’t Yet Own

If you are looking to purchase a new vehicle, it is advised that you obtain auto insurance quotes to determine how much your auto insurance will be for the car you are considering buying. However, in order to get an accurate auto insurance quote, you have to provide the VIN number of the car in question. As such, many people ask us at Castillo & Associates Insurance how to get an insurance quote on a vehicle they do not yet own. Here is how. 

When you are looking to obtain a quote on a car that you do not yet own, you will need to tell the insurance company exactly what you are trying to do. They can bypass the VIN number on their insurance quote page and give you a rough quote based on the make, model and condition of the car you are looking to insure, as well as the zip code that the vehicle will be housed at. However, it is important to note that the quote you are given is not a binding quote, as may be the case when you enter the VIN in. The amount you are quoted may change when the VIN is entered into the system based on the exact specifications of the car you are purchasing,. Obtaining an estimate will allow you to determine approximately how much your insurance will be for that car and if it is something you can afford. 

If you are looking to obtain a quote for a car you are thinking about purchasing or have already purchased, give Castillo & Associates Insurance a call today. We can provide you with a free quote to help you price out auto insurance. 

Top Commercial Insurance Coverages all Businesses should Consider.

All businesses are different, and as a result, there is no one policy fix all solution when it comes to insuring your business. It is important to work with an agent to come up with a customized solution for your business. As a Tucson, AZ business owner, you should certainly consider each of the following policies to protect your business.

Professional Liability

Professional liability is also referred to Errors and Omission insurance, and it protects your business in the event a claim is made against you asserting that you made a mistake that resulted in harm to a third party. Due to the fact that each industry is unique; a professional liability will be geared to cover the potential claims that are common E&O Claims in your industry. You agent at Castillo & Associates Insurance can help guide you to the correct policy.

Property Insurance

Just because your business leases space does not mean you do not need a property insurance policy. A property policy will protect your equipment and inventory in the event of a loss.

Business Interruption

If a catastrophic event were to occur that prevents your business from operating, a business interruption policy could reimburse you for loss of income during this time. This coverage is essential for companies with a retail location.

Home-based businesses

If you are running a business out of your home, you need to speak to your agent about coverages for home based business. If you are relying on your homeowner’s policy to respond in the event of a loss, you may find yourself without coverage.

If you are interested in learning more about commercial insurance policies, please reach out to us at Castillo & Associates Insurance so we can help design a custom solution right for your business. We proudly serve the Tucson, AZ, area.

Why Millennials Need Life Insurance

Millennials have a unique set of needs in terms of insurance. Although health insurance is vital at any age, it’s becoming more apparent that life insurance is beneficial to have at any age as well, even if you’re a millennial. You’ll find purchasing a policy through Castillo & Associates Insurance, serving Tucson, AZ and the surrounding area, will give you a peace of mind.  

1. Student Loans 
The student loan debt that you’ve accumulated doesn’t just go away after you pass if somebody else co-signed for your loans. If your parents signed for a loan for you, they’ll have to pay the balance of your loan. You could leave your family financially responsible for a debt they didn’t accrue. Although you hope when you’re that young there isn’t a chance you’re going to pass, but you never know. Accidents happen behind the wheel, in a plane or anywhere really. You could even develop an unexpected illness. By having insurance, you’ll be prepared for whatever happens.   

2. Preparing for Children 
Millennials are at the age where they’re either having children or at least starting to family plan. Once a child is there, it might be too late to open a policy if something should happen during delivery. In some cases, you’ll find yourself procrastinating on opening a policy because it’s just too expensive, and there’s so much else your family needs besides a life insurance policy. If you want your children to have money to maintain the household and for their care, you’ll need to have life insurance for whoever is responsible for them after your passing.  

3. More Affordable when You’re Young 
As you age, the price of life insurance increases. The earlier you purchase insurance, the cheaper it is because insurance companies realize your health declines as you age, and you’re more at risk for certain potentially life-threatening health conditions as you age. Therefore, if you purchase life insurance early, you’ll be able to lock in that cheap rate before the price increases over time.  

Contact Castillo & Associates Insurance, serving Tucson, AZ and the surrounding region, today for a quote by calling 520-323-0220. 

Babies, Animals, Technology and other things that don’t go with heat

Castillo & Associates Insurance serving Tucson, AZ knows all about heat, cars, and insurance. It’s Arizona, and some parts are hot.

In this incredibly mobile world, we start thinking of our cars as bubbles of conveniences that are extensions of our homes.   However, unlike our homes, the small nature of cars has them soar to blistering heat, in a matter of minutes. Our most precious possessions: our beloved children, our animals, and technology: like phones and computers, can boil and die when exposed to too high temperatures. Unfortunately, those temperatures can skyrocket in a matter of minutes.

Here are some facts about heat and cars and the things precious to us:

  • In 80 degrees to 100 degrees, the temperature inside a car parked in direct sunlight can climb to between 130 to 172 within 10 minutes.
  • Over 600 children have died since 1990 by being left in a hot car. (This doesn’t account for the countless animals.)
  • Exposure to high heat can cause permanent brain damage.
  • "Just a moment, while I run in and do…"   isn’t the way to think.   It’s always longer and hotter than you realize.
  • Children and pets are at higher risk for heat-related illness and injury than adults, partly because they don’t sweat like adults.
  • Heat of only 90 degrees can fry the processor on your laptop or phone.
  • Extreme heat can lower your battery’s life and make the hard drive expand.
  • If your computer or phone does heat up past 90 degrees, let it sit in a cool room and allow it to cool down for 30 minutes.

If you want to know more details to protect all the things in your life, Call or visit Castillo & Associates Insurance serving Tucson, AZ, they take the heat out of any insurance issues you might have.

Are there businesses that don’t require commercial insurance in Tucson?

Do you need commercial insurance in Tucson, AZ? That depends on a few factors. It comes down to industry and scale. In other words: What do you do for a living, and how much are you making doing it?

There are a lot of businesses that, for more people in that line of work than not, will never really require any commercial insurance, for instance:

  • Consulting
  • Many forms of freelancing such as web design and programming
  • Small side businesses like selling art on Etsy

It comes down to this: Does your business have a physical location that is not covered by some other form of insurance, like a homeowner’s policy? And do you have enough in business assets to be worth covering?

A commercial policy is primarily for covering the physical assets of your business. There are other forms of insurance that can help you to protect, for insurance, intellectual property, or to protect the time and money you’ve put into software development should your code be compromised. Commercial insurance is there to make sure that if you suffer a fire or theft or other damages at your Tucson, AZ business, then you will have a safety net there to catch you and help you to recover.

If you are ready for a commercial policy, Castillo & Associates Insurance may help to connect you to a commercial policy that will cost you far less than you might expect. So if you’re ready to take the step, if your business has expanded to the point that it needs commercial insurance coverage, don’t hesitate, give Castillo & Associates Insurance a call.

Finding the Best Auto Insurance in Arizona

For individuals living in Arizona, auto insurance is mandatory before you are legally able to drive your vehicle on the open road. Castillo & Associates Insurance serves Tucson, AZ and is capable of providing you with the proper insurance prior to driving, ensuring you are legal in all areas and your vehicle is properly registered within the system. Getting the right auto insurance depends on your current financial situation and ability to afford full-coverage insurance or PLPD to simply protect you from potential accident lawsuits. 

In Arizona, obtaining auto insurance is required immediately after registering a vehicle and providing proof of financial stability. Even if you have an out-of-state vehicle registered, it is still necessary to obtain proper insurance within the state of Arizona itself before you can operate a motorized vehicle. The minimum requirements for auto insurance in Arizona is $15,000 per person who is driving along with $30,000 coverage for potential bodily injury that occurs after an accident has taken place. Additionally, $10,000 of property damage insurance is also required within the coverage you select for your vehicle in the case of an accident. We offer a range of services involving auto insurance ranging from comprehensive coverage and collision coverage to uninsured motorist insurance. If you are in need of PIP (Personal Injury Protection) or medical payment details regarding your auto insurance, we are here to help. Whenever you are planning to operate a vehicle in Arizona, it is imperative to ensure you are properly covered to avoid potential tickets and devastating financial repercussions. 

For more information and details on getting a quote for the auto insurance you need, get in touch with Castillo & Associates Insurance today.

Can Upgrading Home Security Reduce Home Insurance Costs?

Home security systems increase the safety and protection of your home, family and valuables. By installing a security system in your home, you may qualify for a home insurance discount. Many insurers consider home security systems a valuable asset in protecting residential properties. As such, they’re willing to offer home insurance discounts to homeowners who add security systems to their property.

If you’re looking for ways to cut home insurance costs, talk to a Castillo & Associates Insurance agent in Tucson, AZ to see how increasing home security can help reduce your premium. Here are some of the benefits home security systems have to offer:

Home security systems comprised of security cameras, motion sensors, timed lighting and alarms are a great deterrent to theft, home intrusion and vandalism. A thief will think twice before approaching a house with motion sensors and security cameras. A quality security system can substantially reduce the risk of theft and home intrusion to effectively safeguard your home, family and valuables.

A home security alarm system can detect such dangers as home flooding, fire and carbon monoxide poisoning to protect you and your family from harm. A monitored alarm system goes one step further by alerting authorities of these dangers and dispatching help in response. Early warning of emergency situations such as a fire or the presence of carbon monoxide can save your life.

Home security systems make it possible for you to monitor your home remotely so you can keep tabs on what’s happening at home during business or vacation travels. This extra precaution can eliminate fears of home invasion during your absence.

To learn more about home upgrades and security measures that can help lower your home insurance costs, contact Castillo & Associates, Tucson, AZ.

Can You Authorize Other Drivers to Make Changes to Your Auto Policy?

To be honest sometimes it is difficult to make time to change your auto policy yourself. In some cases, it is necessary to authorize other drivers on the policy to make policy changes so that your family policy can be perfect for your needs. For those that are in or around the Tucson, AZ area, the agents with Castillo & Associates Insurance can help you make your policy customized so that all users are insured.

If you find that you simply do not have the time to change your auto policy or that you are not sure what needs to be changed, you can in fact authorize other users on the policy to make changes. The process is simpler than you might imagine. If you are using an online site and making changes yourself, in most cases the site will have a space where you can designate people to make changes or where you can set a password or other security measure that the person seeking to change the account must know.

This is just one way to authorize a user. If you are going through an agency to help you manage your policy you can do the same thing. In many cases, if you are using an agency they will ask you to list those users that can change the policy. In most cases, they will also come up with a security phrase, password, or other piece of information that the person seeking to change the account must possess in order to do so. This makes things easier for everyone involved as the main policy holder sets the security measures and only share the information with people they trust.

For those that are living in or around the Tucson, AZ area, the agents with Castillo & Associates Insurance can help you to alter your account accordingly.

Routine Home Maintenance Lowers Your risk for Filing Insurance Claim

Your homeowner’s insurance is there to help you when disaster strikes, but you shouldn’t use it is a safety net because you’ve failed to do routine maintenance around the house. If you file too many frivolous or avoidable claims, you may end up having to pay more for your insurance coverage. If you’re a repeat offender, you may even find it difficult to find coverage at all.

For this reason, you should always perform routine maintenance to lower your risk for filing an insurance claim. Following are a few scenarios where support would help you avoid a claim.

Snakebite Claim

When the weather’s warm, snakebites are a very real possibility in Tucson, AZ. It’s estimated that there are about 8,000 incidents of venomous snakebites each year in the U.S. To prevent a bite on your property, make sure it’s maintained well. Seal up all holes and repair any broken siding to keep snakes from nesting around your house. Also, clear away any brush or other structures that snakes can use for shelter.

Tree Damage Claim

Falling trees cause quite a bit of damage, but you can also get just as much damage from a falling limb. To avoid filing a claim for tree damage, have your trees professionally trimmed and ask that all dead limbs be removed. If there is a problem with the structural integrity of the tree or if it is damaged or diseased, have the tree removed completely.

Water Damage Claim

Misplaced or damaged roof tiles do not keep rain and inclement weather out. If you don’t inspect and maintain your roof regularly, you will soon find yourself in your house trying to catch water with buckets. Water can do an insane amount of damage when it gets inside your home. The best course of action is to keep it out with routine maintenance.

If you have any questions about your homeowners’ insurance coverage or about how maintenance can prevent a claim, call Castillo & Associates Insurance today.

How to Calculate the Replacement Value of Your Home

The agents at Castillo & Associates Insurance in Tucson, AZ highly recommend that you use a replacement valuation for the coverage level of your home insurance. The reasons are obvious. If your home had a certain value in the past years, the value of the home may be about the same, but it may be more now. However, if you need to rebuild a home in the case of a major disaster that destroys everything, you will need to pay the current market prices for the reconstruction of the home.  

Every year it is a good idea to re-calculate the replacement value of your home to make sure you have adequate insurance coverage.

Here are the steps to take to get a new replacement valuation for your home:

  1. First of all, the most important step is to find out the square footage of the home and know how big each room is and what type of use the room has. You can start with any architectural or construction blueprints to give you a rough idea. Then you adjust for new spaces that have been created since the first plans were made. If these are not available then you need to measure each room, add some extra dimensions to allow for the outside walls and then you have a rough calculation for each room to work with.
  2.  After you have a rough plan design for your home that includes the actual measurements of the square footage you need to apply;y the current construction cost per square foot for new construction in your area.
  3. One way to find out how the averages are currently is to look at homes that are "comps," which are homes for sale in nearby areas and use the calculations they use for square footage. Then add a bit more because new construction is always higher than older construction.
  4. Be sure to add the cost of any special elements in the home to the reconstruction price. For example, if you have a handmade bookcase or a hand-carved marble fireplace mantle be sure to add the additional of these special items.
  5. Check with your agent at Castillo & Associates Insurance in Tucson, AZ for any questions about your home insurance, to get help with any replacement cost valuations and to make sure you have adequate coverage.