Surprise AZ

An Overview To Help Arizona Residents Find Classic Car Insurance

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Based in Surprise, AZ, Giles & Iten Insurance assists the community through helping them find the insurance coverage that they need. We recognize that every single client is different, that’s why we take the time to consult with all of our clients so that they can find the right policy.

Classic Car Insurance

Classic cars are valuable possessions. Due to their unique stature, they require different coverage from traditional vehicles. Classic cars are often recognized as vehicles with significant historical interest. They are often more than 20 years old. Classic cars spend the majority of their time in storage. Owners only show them off at special car events, conventions, and parades. As such, classic cars are only used on a limited basis. That is an important thing to consider as you research different policies. Driving a classic car on a regular basis causes the value to depreciate, which impacts your policy. The car must also undergo a periodic inspection to make sure that it is still in good condition. Make sure that you keep your vehicle stored in a secure area.  

Liability, comprehensive, and collision coverage is still available as if you had a traditional auto insurance policy. The important thing is to make sure that you do not drive the car over the specified mileage limit. The mileage limit is to ensure that the vehicle is only used on special occasions.

If your classic car needs assistance, be sure to find a place that understands that classic cars require different maintenance from other cars. Try to find a repair shop that specializes in treating classic cars.

Giles & Iten Insurance Will Guide You Through The Process

Stop by our office in Surprise, AZ and we will work with you to find the right coverage for your prized possession.

When does someone in Arizona need RV insurance?

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Those that are in the Surprise, AZ area will enjoy having access to all of the great recreational options in the southwest United States. To enjoy all of these options, you should consider getting an RV. When you have an RV, it is beneficial to work with an experienced agent to find coverage.

When Taking Out a Loan

One situation when you are going to need to get an RV insurance policy is when you intend to take out a loan. Buying an RV is a big purchase, and most purchasers will take out financing to acquire it. This can be a great way to afford an RV, but there are rules and regulations in the loan agreement that you need to follow. Most of the time, your lender will require that you get a full collision and comprehensive insurance policy. 

When Using a Public Roadway

Another situation when you may need to get an RV insurance policy is when you intend to use a public roadway. People in Arizona that want to operate any type of vehicle are going to be obligated by law to carry liability insurance. This includes those that drive an RV. If you are going to use it in Arizona, you will need to have at least the minimum amount of liability coverage for both property damage and bodily injury.

Choosing an RV insurance policy is always a big decision, and not one that should be taken lightly. If you are going to purchase an RV, you should speak with the team at Giles & Iten Insurance to discuss your insurance needs. The team at Giles & Iten Insurance can help people all over the Surprise, AZ area picks insurance policies that are right for their situation. 

Arizona Umbrella Insurance Coverage

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The last thing you want to have happened in the aftermath of an accident, natural disaster, or injury is finding out that that damage is “not covered” under your existing insurance plan.  In other words, for residents of Surprise, AZ, getting a surprise when it comes to your insurance coverage is a revelation that you could probably do without.  The reality is, however, some items that you might want to insure would be better covered under an umbrella policy, and the knowledgeable, licensed agents at Giles & Iten Insurance are available to find reliable insurance coverage for your unique situation.

Umbrella Insurance for Arizona

As the name might suggest, umbrella coverage is designed to provide overarching insurance protection to protect you and your property against the unexpected raindrops that life can sometimes throw our way.  Any accident leaves a trail of damage in its wake, and not all life insurance policies are written or equipped to cover the entire damage amount or include accidental mishaps, including things like landlord liability, bodily injury, or extensive property damage for instance.

Lacking an umbrella policy to cover these unexpected liabilities can place your family in financial peril in the blink of an eye.  Sitting down and speaking with a licensed agent from Giles & Iten Insurance, serving the Surprise, AZ community, is the beginning of a better understanding of the protection you have and the areas where you are still vulnerable.

An umbrella insurance policy might just be what you need to ensure that all of your assets are fully protected.

Contact Our Team at Giles & Iten Insurance

For Surprise, AZ residents looking for an honest appraisal and recommendation regarding their current insurance needs, our agents at Giles & Iten Insurance are standing by with the information you need to decide whether or not an umbrella insurance plan will provide you the protection you need to protect against financial calamity should the worst occur.

Is Whole Life For Children A Good Choice?

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Life insurance is a type of coverage that can not only help loved ones after a covered death, but it can also help with unexpected issues or future expenses. The type of insurance that can offer these options is whole life. Whole life allows the policyholder to build cash value against the policy as they make payments over time. This type of whole life is also available for children, but many may wonder if it is a good idea to get this type of coverage. 

Life Insurance For Children

Whole life insurance policies for children have become quite popular over the decades. Those who choose this type of coverage can use the policy to help pay for the child’s future expenses when they are older. Many use it for college or even emergencies. Although this type of coverage may not be for everyone, it may be useful for family members to purchase to protect against unfortunate covered events and to help plan for the child’s future. 

Get the Right Policy

The best way to get the right type of life insurance coverage is to work with a licensed life insurance agent. Life insurance agents are experts in helping clients learn more about the policy and educate them about the terms and conditions. This is an excellent tool for many to use for financial planning and protection. Anyone who is considering buying a child a life insurance policy in the Surprise, AZ area should consult with an agent from Giles & Iten Insurance to get started preparing for the future. 

Life insurance can be an extra layer of protection and even a financial resource in the future. Get the right policy and learn more about this type of coverage by calling or stopping by Giles & Iten Insurance today if you live around Surprise, AZ. 

How much auto insurance do I need in Arizona?

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The state of Arizona requires drivers to carry auto insurance every time they’re on the road. Your car should meet the set minimum requirements if your vehicle is involved in an accident. There are many considerations that insurance companies like Giles & Iten Insurance make to determine how much auto insurance one needs. The type of car, cost, age of the vehicle, level of experience, and mode of car purchase are some of the factors that determine what you will pay.

Arizona uses the fault-based system

The state of Arizona does things a bit differently, particularly when it comes to financial responsibility. This means that whoever is at fault in an accident is responsible for any damage or harm that will result from the accident, such as car damage, lost income, injuries, or property damage. If involved in an accident in Surprise, AZ, you can proceed to file a claim with their insurance company or a lawsuit in a civil court.

Liability insurance law is mandatory

The state requires drivers to have liability coverage that will cover for total bodily injury or death and property damage where the driver of the insured vehicle is at fault. In a case where one of your family members is driving your car, liability coverage can help pay medical bills for the injured member. However, keep in mind that liability coverage does not cover you in any way. If you are involved in an accident where you are at fault, you may need to purchase additional coverage for that.

Finally, it is crucial to note that there exist penalties for drivers without mandatory auto insurance. Therefore, carry proper auto insurance proof and show it to the relevant authorities when stopped or when involved in an accident. To learn how to protect yourself on the roads adequately with auto insurance, visit us at Giles & Iten Insurance in Surprise, AZ today!

Do E-Commerce Businesses Need Commercial Insurance?

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If you are considering opening an e-commerce store, you probably have thought about insurance and what type works best for your situation. Commercial insurance is also crucial for an e-commerce business to have to protect them from risk, but working with an insurance agent can help identify the types of policies that work for an online company.

Thinking About Starting an E-Commerce Business?

One of the key ways to protect an online business is to have adequate insurance designed to protect yourself from a variety of unique threats these types of business endeavors face. There are unique commercial insurance policies that are tailored made to offer this type of coverage. The best way to find an ideal policy is to work with an experienced insurance agent who can provide helpful advice and common sense insurance solutions. 

Insider Know-How

The insurance agents at Giles & Iten Insurance, serving Surprise AZ, have insider knowledge of the industry and can identify insurance products that work for your specific needs. Our agents are committed to helping clients get the coverage that protects them from loss and gives them peace of mind in an e-commerce setting. Not only can they assist with the insurance policy selection, but they can also help with filing claims in the future. It is a smart way to find commercial insurance that can give you comprehensive coverage.

Don’t guess when it comes to finding commercial insurance for an e-commerce business situation. Call or stop by Giles & Iten Insurance in Surprise, AZ. The resident of Arizona and California can count of their agents to steer them in the right direction and answer all fo their questions.

Why do I need liability insurance for my home?

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Whether you own or rent your home in California or Arizona, you probably noticed that part of your policy talks about liability insurance. While it is obvious why you need to insure the value of your home and possessions,  it seems less obvious why you would need to have liability insurance for your own home. 

What is liability insurance? 

If something that you do or fail to do causes physical injury or property damage to someone else, you may be liable for paying for damages. It doesn’t matter whether you intended to cause them harm.

Under civil tort law, the victim only has to prove that you failed to meet some duty of care. For instance, you need to keep your walk cleared so that people can safely walk past and so delivery workers can access your mailbox. Without liability insurance, any injuries caused by your negligence might have to come straight from you. Most people would have a hard time paying for a hospital stay out of pocket. 

What does liability insurance cover? 

When you get your policy at Giles & Iten Insurance in Surprise, AZ, you will see that it is a contract. You pay a certain amount for your insurance premium in return for a specific level of protection. There will be a top amount of coverage, and your policy will cover everything from medical bills to property repairs to attorney fees.

If you live in Arizona or California, the last thing you need is a surprise bill. There is no way to predict when an accident might happen. If you want to make sure you have enough liability protection, or if you have any other questions about insurance, please feel free to contact Giles & Iten Insurance in Surprise, AZ to see how we can help. 

What Lifestyle Changes Can Affect Your Auto Insurance?

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Lifestyle changes in the past year could affect your current auto insurance coverage. Changes like marriage, divorce, retirement, and achieving senior status can affect your auto insurance cost or coverage. By discussing lifestyle changes with your Giles & Iten Insurance agent in Surprise, AZ, you’ll have a better idea of what steps to take to maintain the auto insurance protection you need in Arizona and California. Here are a few lifestyle changes that could alter your insurance coverage.

Marriage

After getting married, you may decide to add your new spouse to your auto insurance policy. A multiple-driver policy can save you money on your insurance costs. If marriage adds teen drivers to your household, you can add them to your policy as well. Having your teen drivers complete a driver’s safety course can reduce your insurance costs.

Divorce

If you get divorced, you may need to take a spouse off of your auto insurance, which may alter your auto insurance costs. If you’re currently bundling home and auto, a divorce could change your policy altogether, which will affect your auto insurance costs. 

Retirement

Retirement could lower your auto insurance costs as you’ll no longer be driving to and from work, reducing your risk of accidents. If you plan to travel extensively by car after retirement, however, i.e., taking vacation road trips, you may want to increase your coverage to ensure you have sufficient protection on the road. This, of course, will prompt an increase in your premium.

Senior Status

Seniors often qualify for auto insurance discounts, especially if they have good driving records. If you’ve achieved senior status, talk to your Giles & Iten agent about discounted rates on your policy.

For more information on how lifestyle changes affect your auto insurance, contact us at Giles & Iten Insurance in Surprise, AZ, today. 

How will commercial insurance protect my business

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The Surprise, AZ area is an excellent location for anyone to start a small business. Due to population growth and other good employment factors, there is plenty of opportunity in this area to grow a company. However, if you are going to start a business in this area, you do need to realize there are a variety of business risks. One way that you can mitigate many of these risks is by getting commercial insurance as it can protect your business in many different ways. 

Gives Liability Protection

All businesses take on a lot of liability risk at all times. If you ever have a customer that becomes sick or injured as a result of using your services or consuming your product, you may be considered responsible. Because of this unpredictable risk, you need to make sure that you are covered at all times by commercial insurance, as it will give you coverage for this liability risk. 

Protects Assets

Commercial insurance will also preserve all of your business assets. Owning and starting any company does require a significant asset investment at some point. When you have a commercial insurance policy, you will get coverage for all of your business assets, which could keep you solvent if a fire, theft, or other incident occurs. 

If you want to purchase commercial insurance for your Surprise, AZ area company, you should speak with the team at Giles & Iten Insurance. Choosing a commercial insurance policy is a huge decision, and the team at Giles & Iten Insurance can help you to pick the right policy for your situation. When you do work with us for your commercial insurance needs, we will help you to understand your options and find a policy that provides the best type and level of coverage. 

Tips for Preparing Your Arizona Home for Winter

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Owning a home in Arizona is ideal, whether you live here year-round or are a seasonal resident. Either way, it’s important to get your house ready for the colder weather. The Giles & Iten Insurance team is here to help all of our neighbors in the greater Surprise, AZ area protect their homes. If you are interested in learning more about how to protect your Arizona home, call or stop by today!

Follow these Tips to Get Your Arizona Home Ready 

  • Sprinklers — If there’s going to be a frost or sustained cold weather, be sure to drain out the water that’s in the pipes to prevent them from bursting or sustaining other damage.
  • Plants and patio furniture — when the temperatures start to drop, especially overnight, you might want to cover your plants or bring them indoors. Make sure that your patio furniture is secure and won’t be affected by any high winds that may occur.
  • Winterizing your home when away — if you are going to be leaving your home for an extended period of time you’ll want to make sure that your pipes are clear so that you can prevent them from bursting if there is a cold spell while you are away.
  • Keep pipes clear overnight — if you have an older plumbing system or have had issues with freezing pipes, one solution is to have a small drip in your faucet overnight. This will keep the water flowing and help to prevent damage.

Giles & Iten Insurance is proud to serve the greater Surprise, AZ community, and we look forward to serving you! If you want to learn more about protecting your home this winter, call or stop by our office and meet with one of our friendly agents.