Covid Car Insurance Discounts?

Are there Covid car insurance discounts available? Sort of…Safeco Tucson AZ

Most car insurance companies have offered rate relief to current policyholders in the form of credits back to your policy. The average discount has been about 15% for your car insurance premium covering a month or two of your billing cycle. Some have offered 15% until your policy renews.

When Covid lockdowns hit people used their cars much less. No more commuting to and from the office or driving kids to school back and forth daily. The natural question is “Hey, I use my car less – shouldn’t my insurance cost go down?” Yes and insurance companies scrambled to get media attention as to who could win the consumer perception award the quickest. It appears Allstate Insurance was first to blast the tv and radio ads that they were offering a credit back because of the Covid-19 crisis and lockdown.

Within days most every auto insurer in the nation jumped on board to help give monies back to their customers. As we navigate towards going back to work or maybe continuing to stay home or anticipate the next lockdown that may occur – we can envision more carriers extending additional discounts to car insurance customers. As an independent agent we can see how carriers are reacting.

Back to Covid Car Insurance Discounts – We are seeing an uptick in the use of telematics devices – either plugins or mobile phone apps. These telematic devices offered by insurance companies track your driving habits – miles vehicle driven, time of day or night driven, braking, cornering and speeds of vehicles. Most carriers offer 10% for signing up and up to 20% at your next renewal if you are a safe driver.

Travelers offers Intelli-Drive, Safeco offers Right Track, Progressive offers Snapshot plug-in device and mobile app, Allstate Insurance offers Drive Wise and others are offering pay-per-mile. Some require a 60-90 day trial period and others require you to keep the telematic app for the first year. Many customers in the past would pass on having their driving habits monitored – “Don’t want Big Brother watching me!” was typical response when offered to car insurance shoppers. Now, with Covid-19 Pandemic auto insurance policyholders are starting to consider the use of these offerings to save money – especially if their cars are sitting at home for days, weeks, and now months.Tucson Travelers Insurance Agent

As you navigate the 2020 Pandemic it might be time to consider researching your car insurance options. Speak to your independent agent because they have access to more than one car insurance company. Maybe you can save just by switching to a better carrier in your region. For example, for Arizona car insurance – rates have actually dropped a bit compared to other areas. Also, bundling your car, home and umbrella insurance can save you big dollars. Here is an example of someone who has stable financial stability, very few claims and bundles – Auto-Owners Insurance (Lansing, MI) Customer lives in Zip Code 85737 – 2 newer cars, higher liability limits 500/500, comp and collision deductibles $500 with full glass, emergency roadside, car rental protection annual car rates $1050 year, Home $300k replacement value $501 year and $1M personal liability umbrella $179 year.

So while there may be some relief from your car insurance company for the COVID-19 crisis – it may behoove you to ask about telematic mobile apps or contact an independent insurance agent to research all the options.

Authored by: John Foxworthy – Independent Agency Owner – Tucson, AZ Phone: 520-444-8607

Will the Bighorn Fire in Arizona Cause Higher Risk of Flooding?

Experts are not sure how the Bighorn Fire in Tucson will impact flooding and water ways. The erosion may create flooding to areas that may not otherwise flood. Out of an abundance of caution it is inexpensive peace of mind to buy a private flood insurance policy to cover your home and contents. Typically a flood policy would only be available from a company participating in the NFIP flood program and there would be a 30 day waiting period. However, no with private flood insurance you may qualify to purchase a policy for protection starting today!

Working with a local Tucson AZ indpendent agency like Foxworthy and Associates, Inc. we can put a private flood policy in place immediately. For more info on what the experts are saying about the Bighorn Fire aftermath and how it may cause flooding to Tucson properties read the article here.

To see how much a flood policy for your Tucson or surrounding areas would cost just reach out to us directly by calling 520-797-9900 or email or visit our website today.

Auto-Owners Insurance from your AZ Independent Agent

Auto-Owners Insurance in Arizona is only available for purchase from an independent agent that is appointed with the A++ rated carrier. Based in Lansing, Michigan this preferred auto, home, umbrella, commercial and life insurer consistently receives top scores from customers for claims satisfaction. Founded 103 years ago in Michigan the company is known as the “No Problem” claims service provider.

No matter if you are a long time customer or new to Auto-Owners Insurance you will want to reach out to an independent agent like Foxworthy and Associates.  John Foxworthy and his team at Tucson Insurance have been serving customers in Arizona since 1990. No matter if you are moving to AZ and need a new Auto-Owners agent or if you are insured with the company in Michigan or throughout the 26 states they currently operate in we are honored to help with new policies.

You can get secure online Auto-Owners Insurance proposals here or if you prefer just call our Arizona Auto-Owners agency at 520-797-9900. We can research new policies for you or help transfer in existing policies to Arizona. If you are buying a new home you may prefer Auto-Owners too because you have new protection options that may include:

  1. Service Line Protection – underground utilities like water lines from the home to street. 
  2. Equipment Breakdown – includes major systems like HVAC and appliances.
  3. Guaranteed Replacement Cost to Dwelling
  4. Cyber Protection

We are proud to represent Auto-Owners at Foxworthy and Associates, Inc. and would be happy to introduce you to them and review your auto, home, umbrella and life options. They also offer generous multi-policy discounts and easy online access to your policy info. It just may be time for you to connect with our independent agency in Arizona and see if Auto-Owners Insurance is a better fit for you. You can also see our 5-Star Reviews for here! We look forward to helping you soon.