Is Whole Life For Children A Good Choice?

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?

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?

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?

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?

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

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

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.

Tips for buying travel insurance

When booking a holiday, it is tempting to skip the travel insurance policy and spend that extra cash on your vacation. However, travel insurance is critical to make sure you are not out additional expenses when something goes wrong on your trip. If you live in the Surprise, AZ area and are interested in travel insurance for your upcoming trip, reach out to an agent at Giles & Iten Insurance today. 

Get the dates right 

Make sure you are covered for the whole trip. Putting the wrong dates down is an easy mistake, but it is one that can be costly. If you put in the wrong dates and are on your trip one day over your policy term, you would not be covered. Be sure to take into account time changes when you are flying to ensure you have full coverage. 

Make sure all of your locations are covered

If you are visiting more than one location, it is essential to make sure each country is covered under the policy. Some areas might be excluded or have limitations, so be sure to check with your agent.

Declare your pre-existing medical conditions 

Informing your insurance provided of any pre-existing medical conditions is critical to make sure you are covered for any medical care you seek while traveling. Most insurance providers have a list of conditions that will be automatically covered; however, there are some conditions that you make need to pay extra for coverage. 

Are you planning high-risk activities? 

If you are going on an adventurous trip, you will want to confirm with your insurer to make sure all of your activities are covered. Insurers often exclude what are considered high-risk activities such as skydiving, bungee jumping, or even horseback riding. If you are doing anything out of the norm, it is best to double-check with your insurer. 

If you would like to learn more about travel insurance for your trip, reach out to an agent at  Giles & Iten Insurance today. We proudly serve the Surprise, AZ area. 

3 Reasons Mexican Insurance Can Work For You

When you’re driving south of the border, you have to consider what types of insurance you need. Mexican insurance can work for you in a number of ways, providing you with the kind of financial protection that you need down South. At Giles & Iten Insurance in Surprise, AZ, we can help you every step of the way.

Follow the Law

Mexican insurance is a requirement when you cross the border into Mexico. It is required for all vehicles, including a rental car. It is also recommended that you have liability insurance in the event that you are involved in any kind of accident. You will need to provide proof of the insurance at the border, along with your driver’s license.

Keep Your Vehicle Safe

There are a lot of travel advisories in place for driving into Mexico. Some areas have more risk than others, which is why you need to look at where the higher crime is happening. In the event that your vehicle gets vandalized or involved in any kind of crime, you will want the insurance to help with the repairs. Otherwise, you could be financially responsible for the repairs on your own.

Learn the Legalities

You will be able to visit all of the various parts of Mexico that you want to visit when you have Mexican insurance. When you get the policy, you’ll also learn about some of the different legalities. Certain activities are illegal in Mexico, such as talking on your cellphone when you’re behind the wheel and driving through a yellow light. Understanding the laws will help to protect you.

With certain laws in Mexico, having the right insurance is a necessity.

At Giles & Iten Insurance, we can help you to find the Mexican insurance that will best protect you. Contact us in Surprise, AZ today to learn more about your options. 

Does your car qualify as a Classic Car?

Your car has been around since the beginning of time, so it feels. Does it qualify as a Classic Car by the state’s standards, though? The agents at Giles & Iten Insurance can help you understand Classic auto insurance. Read on to learn if your car qualifies as a collectible in Arizona. 

What qualifies as a Classic Car in Surprise, AZ?

The state of Arizona recognizes a car as a Classic car when the vehicle is 25 years or older. Automobiles older than 50 years are considered Antique cars. 

How much should you expect to pay for Classic car insurance?

Interestingly enough, Classic car insurance tends to be cheaper than standard auto assurance. One main reason why you may pay less for Classic auto insurance is because of the stipulations imposed by the state for Classic car owners. Individuals who own collectibles in Surprise AZ may be restricted to when they are allowed to drive their vehicles around town. There also may be stipulations regarding how far a Classic car can be driven. 

You automatically save money on car insurance when your vehicle is driven less and taken shorter distances. It, therefore, may be more profitable than you think to register your car as a Classic car and obtain insurance tailor-made for collectible cars. 

Can any car older than 25 years be covered under Classic car insurance?

Generally speaking, only vehicles recognized by the state may qualify for Classic car insurance. You may have to settle for standard auto assurance if you drive your car every day or if you travel long distances in your vehicle even if it is older than 25 years. 

Should I contact an agent for help?

Yes! You should never go it alone when it comes to auto insurance. The agents at Giles & Iten Insurance can help you better understand the basics about Classic auto insurance as well as assist you in finding the indemnity plan that works best for your situation. Call them today to get started with a quote!