Motorcycle Insurance Coverage Options

Similar to auto insurance coverage, motorcycle insurance coverage offers standard coverage options. Mesa, AZ motorcycle owners receive the standard liability and uninsured/underinsured motorist coverage in their policy but can include additional options. Below are some of those options, but those needing further assistance understanding these options can speak with an expert at INW Insurance Solutions.

Collision Coverage

The collision insurance coverage pays out for accident damage to a motorcycle minus the deductible. The deductible is the amount you selected when you purchased your policy and is your out-of-pocket costs associated with repairing the damage to the motorcycle. In most cases, your premium rates are contingent upon how high or low your deductible is. 

Comprehensive Coverage

The comprehensive insurance coverage pays you when your motorcycle has not been in an accident but has suffered damage by something else, including animal collisions. Additionally, comprehensive coverage reimburses you when your motorcycle gets stolen. Insurance payouts are after your predetermined deductible has been subtracted. 

Personal Injury Protection

Personal injury protection provides coverage for medical bills associated with you, your passengers, or pedestrians injured in an accident, regardless of fault. PIP coverage varies and should be discussed further with your insurance agent. 

Add-On Coverage Options

The above coverage options are generally included in most motorcycle insurance policies. Many insurance companies offer add-on coverage options to offer motorcycle owners the ability to create a custom policy that works for their needs. Additional coverage options may include: 

  • Coverage for customized parts, equipment, and accessories
  • Transport trailer coverage
  • Roadside assistance
  • Travel interruption coverage

Motorcycle owners in Mesa, AZ can customize their motorcycle insurance policy, ensuring they have the coverage they need. Those with questions about how much coverage is required and what options are available should call the experts at INW Insurance Solutions. 

Monsoon Season & Insurance

INW Insurance Solutions made Mesa, AZ their home so we are no strangers to the Arizona monsoon season that comes every year. We love the excitement from the storms, but we also know that monsoon season is the perfect time to determine if your home and auto insurance is enough.

Arizona’s monsoon season normally lasts from June to September. During this time thunderstorms, rain, wind, and dust storms can make frequent appearances. As astonishing as monsoons are to the Arizona desert, they also bring in hazards for your home, car, and personal safety. Strong winds can cause heavy objects like trees to fall down violently, heavy rain can cause sudden flooding, and dust storms can reduce visibility on the road.  However, your current policy may not cover certain damages or losses from extreme weather such as floods or the need for temporary living expenses. Your independent agents at INW Insurance Solutions can explain to you what these options are.

Monsoons are unpredictable and can change in an instant. Some years, our monsoon seasons are disappointing by being hot and dry. Other years, they are exciting and full of rain and haboobs. A sunny day can quickly become a hazardous rainstorm in a matter of moments, or a dry monsoon season can increase the chances of fires, which is why it is important to stay protected against the impacts of monsoon season with great insurance. Call INW Insurance Solutions today to see if your policies cover the possible damage that a monsoon can bring. Together, we can review and adjust your coverage so you can enjoy the storm from the safety of your home, knowing you are protected.

As we enter the last month of monsoon season, INW Insurance Solutions presents some tips to keep yourself safe and protected:

  • Stay updated on the weather
  • When driving in a dust storm, you should pull off the road, stop, and turn off your vehicle lights
  • Do not attempt to drive through a flooded road
  • Secure your outdoor objects that can blow away and cause damage
  • Keep up to date with repairs and maintenance of your home and car to minimize possible damages

Student Discounts from INW Insurance Solutions

The tassel was worth the hassle!

Teen or young adult drivers can be very expensive to add on insurance. Luckily, if you call INW Insurance Solutions to review your coverage, we can help find you a better rate! Some of our carriers such as Encompass, Nationwide, Travelers and many more offer a variety of student discounts to help you save while you get your diploma or degree. This can help both you and your student driver! These may include:

  • Good Student Discount: Students with a 3.0/B or higher average   
  • Students Away at School: Students who live on campus without a car and are 100 miles away from the insured’s residence
  • Driver Courses/Training: Student drivers under 21 who have completed an approved driver’s education course

These discounts range from 7%-20% savings! With the rising price of tuition, saving money is always nice!

Are there any hardworking students in your life? Refer them or their families to our independent insurance agency and you’ll be entered in our referral drawing where you could win $500! Students may have a difficult time learning about insurance but with INW Insurance Solutions, they won’t have to worry because our independent agents work hard to find quality and affordable insurance.

INW Insurance Solutions applauds all the graduates of 2021. Our team cannot wait to hear of your future successes. And if you can’t wait to hear about better insurance policies, be sure to call us today at 480-626-0797 where we can begin finding you the best rates for insurance including auto, home, and more!

Insurance Discounts for Teachers

INW Insurance Solutions is wishing all educators a Happy Teacher Appreciation Week! If you are a full time or retired teacher, teacher assistant/aide, professor, principal, or are responsible for the education of children and college students, INW Insurance Solutions has wonderful news for you.

There are hundreds of insurance carriers to choose from which can make finding insurance a daunting task. But INW Insurance Solutions looks over nearly a dozen carriers to find our customers the best rates and policies. One of our favorite insurance carriers, CSE Insurance Group rewards active and retired public employees with exclusive lower rates and additional benefits. This includes law enforcement, military personnel, firefighters, government employees, and educators! You can receive discounts of up to 24% when you reach out to INW Insurance Solutions and their agents to review your coverage and compare quotes.

If you know anyone who is a teacher or public employee who is seeking better insurance, refer them to our agency and you will be entered in our annual referral drawing. You’ll be helping them get affordable, quality insurance and you can win $500 next year! That sounds like a win-win to us.

Our team at INW Insurance Solutions celebrates all the hard work educators put in to support their students. Whether in class or remotely, teachers enrich our communities. We look back at memories of our favorite teachers and the positive impact they have had on our lives. As our thank you, we work hard to find you the best prices and policies. Call us today so our agents can review your current coverage and find you amazing discounts.

What Happens if I Don’t Have Mexican Auto Insurance?

Sunscreen? Check. Passport? Check. Mexican Auto Insurance?

Your auto policy will most likely not cover Mexico, so Mexican auto insurance is something that you need for your next vacation. Luckily, INW Insurance Solutions offers Mexican auto insurance throughout Arizona.

After all, nothing may be more synonymous with Spring Break or summer than a trip down to Mexico. For many people in Mesa, Rocky Point is a popular vacation spot. If Mexico’s sandy beaches are in your future, then be sure to learn about Mexican Auto Insurance from INW Insurance Solutions.

How many trips to Mexico have you taken without being properly insured? It’s surprising how many people visit Mexico for vacation, but either forget or opt not to purchase Mexican Auto Insurance, which can potentially lead to the vacation being anything but a fun, relaxing time! If you end up in an car accident without Mexican auto insurance, your vacation can become a nightmare with possible consequences including expensive fines and jail time.

We at INW Insurance Solutions realize that when you’re thinking of the beach, margaritas, the music and the food that awaits you in Mexico, perhaps insurance isn’t at the top of your list of priorities. This is precisely why we’re doing all we can to help make buying insurance an easy, painless, economic experience…so you can move on to concentrate on the fun stuff!

We can insure your car, your recreational vehicle, and of course your quad or motorcycle.

The importance of insuring your car while you are in Mexico is indisputable. What you may not know is how affordable an annual policy is. We have many clients who just love to visit Mexico every year and know how valuable Mexican auto insurance is! Let us provide you with a quote or answer your questions. We truly look forward to the opportunity.

Our policies are very economical, offering Liability Only coverage on any street-legal vehicle while in Mexico. We’re often asked about what the policy would cover. Most include property damages, partial theft and vandalism as well as accident coverage, but your agents can give you more details. Give us a call at 480-626-0797 for more information and specific policy details.

Updating Your RV Policy

You probably do your best to protect your recreational vehicle parked in Mesa, AZ. You carry insurance on it and provide it regular maintenance. Did you know that if you update your RV, you also need to update your insurance policy?

INW Insurance Solutions can consult with you on a policy update whenever needed. Read on to learn what actions create the need for an RV insurance policy update. Some of them might surprise you.

Interior Changes that Increase RV Value

When you renovate your RV with new flooring, counters, furniture, etc., your RV insurance requires a review for potential updates. You might only change out one item, like the dining table, but your new furniture could have cost significantly more than the original. It is not just about paneling. If you upgrade the appliances or plumbing, you also need a review.

You did more than give your RV’s interior a new look. You increased its value. Your insurance covers the original value though.

Exterior and Mechanical Changes that Increase RV Value

Other updates that require a policy review include updating the RV’s mechanical, especially its engine or its exterior. Adding a spoiler or luggage racks or bike racks, or other customizations can increase its value, whether your use OEM or aftermarket parts. 

Contact INW Insurance Solutions serving Mesa, AZ for more information on what changes to your RV would raise its value. We can meet with you to discuss your coverage and review your policy in person or via Zoom. Call us today for an appointment so you can keep your RV properly covered. We can help you get ready for a summer full of road trips.

Why Wedding Insurance is Worth It

Don’t let it rain on your wedding day. You’ve gotten all the details down from finding the perfect venue to say your vows to the dress of your dreams— but what about the things beyond your control? Even the most meticulous planning cannot prevent the groom from getting a cold, unreliable wedding vendors, extreme weather, or other accidents that force your wedding to be cancelled or postponed. This is why INW Insurance Solutions offers wedding and event insurance across 7 different states and locally here in Arizona including Mesa, Chandler, Gilbert, Queen Creek, and San Tan Valley.

Getting married is expensive. In 2019, the average cost of a wedding was $33,900. Wedding and event insurance from INW Insurance Solutions can help prevent you from being left at the altar with poor coverage that results in you losing hundreds or thousands of dollars. Our insurance experts can find comprehensive coverage that fits within your wedding budget.

For your wedding, you will have to consider a variety of factors. Are you getting married in your home’s backyard? Or out of state? Will there be alcohol served? Are loved ones helping pay for the wedding? Finding wedding insurance on your own can be an additional stressful and tiring step to add to your wedding planning. But we do the work for you. With our agent’s skills and care, we have found our customers discounts when they get both event liability insurance and event cancellation insurance.

Our agents shop nearly a dozen carriers because peace of mind on one of the most important days of your life is priceless. After all the time and dedication put into making your celebration perfect, it is important to prepare for the unexpected.

INW Insurance Solutions can do more than protect your home and cars. With wedding and event insurance, we can help protect your financial investments and commitments for special moments. Call our agents today to start discussing your event and discover the possible coverages that can protect your wedding against many unfortunate scenarios.

Why Boat Insurance is a Must

With boating and watercraft activities on the rise and more people flocking to the waterways to have fun, boat insurance is now important than ever before. Even though Arizona doesn’t require that boat owners carry insurance, it is still considered a best practice by many in the industry. Just as your home or car is an expensive purchase that you carry insurance on, so too is your boat. Failing to have insurance leaves you liable for a slew of potential damages to include being responsible for a third party’s injuries and medical payments if you are found at fault in an accident.

Additionally, if you are involved in an accident with another boat and neither party carries insurance then you are both on the hook for the total cost of the damages. However, if the other party is deemed at fault and you carry underinsured or uninsured coverage on your boat insurance policy then you won’t be responsible. Many boat owners have the false misconception that their homeowner’s insurance policy will cover their watercraft so you’ll want to have a separate policy for it. Although boat insurance is not required in Arizona, no one under the age of 12 is allowed to operate a vessel at greater than 8 MPH unless in an emergency situation.

If you are still on the fence about whether you need boat insurance or just want a second eye to review your existing policy, INW Insurance Solutions in Mesa, AZ can help. Our talented team of insurance experts will take the time to learn about your needs and customize a boat insurance policy that protects your financial interests and watercraft. Contact our office today for more information and we look forward to working with you!

New Driving Law in AZ

Arizona is ringing in the new year with a ban on texting and driving. Starting January 1st, 2021, it will be illegal to use electronic devices while driving unless it is in a hands-free mode. This may include making phone calls, sending text messages, scrolling through social media, or even holding a device with your body. What about your tablets, portable music players, or gaming devices? If it is causing distraction and requires the use of your hands then yes, the same rules apply. However, this will not apply to making emergency 911 calls or using GPS navigation. You may be wondering how can this impact you the next time you get into your car?

The ban is a primary offense so you could be pulled over solely for having a phone in your hand. If you do get pulled over for violating the new law, you may not get lucky with a warning. Instead, you can receive a citation. Getting cited with a first time fine between $75-$149 is not a great way to help ease the toll on your wallet after all the shopping and spending from the holidays earlier. Not only is there a fine, but this may increase what you’ll pay for auto insurance! So, prevent the financial burden from fines or increased insurance rates and most importantly, keep yourself and others safe by following the new law.

After all, using your cellphone while driving is incredibly dangerous. According to the National Highway Traffic Safety Administration, texting takes your eyes off the road for 5 seconds. And a lot can happen when you’re not paying attention in those 5 seconds. Texting and driving can cause serious and fatal car accidents. Speaking of dangers on the road, INW Insurance Solutions wants you to know that December is also National Impaired Driving Prevention Month.

Between Thanksgiving, Christmas, and New Year’s Eve, the holidays are the perfect time to have fun with your loved ones. However, the celebrations filled with fun and cheer also increase the dangerous risks on the road such as drunk drivers.

This is why auto insurance is essential. Accidents can happen at any time and have life changing consequences. Getting your auto insurance from INW Insurance Solutions means you get quality auto insurance coverage that helps protect you in the event of expensive lawsuits.

INW Insurance Solutions knows all about driving safely and auto insurance. If you have any questions about your current auto insurance plan, call INW Insurance Solutions so your agents can review your coverage and help you prepare for any upcoming changes. Don’t forget to share this article with your friends and family so they can be aware of the upcoming changes to driving in Arizona.

Save on Renters Insurance with Home Security & Protective Devices

Renting a house or apartment is a flexible, affordable option for many. Despite a large amount of people renting today, many renters are uninsured. Only 37% of renters had insurance, compared to 95% of homeowners who have home insurance. This statistic is a little troubling to your agents at INW Insurance Solutions because we know that renters insurance is meant to protect you and your items. Just because you’re renting your home doesn’t mean you’re safe from your valuable possessions being stolen in a burglary or damaged from severe weather. The other 63% of renters who do not have insurance are going to have to pay more when replacing their stolen or damaged valuables than they would have paid in buying insurance.

When You Need Renters Insurance

Renters insurance may not be required like most homeowners policies are, but they are extremely beneficial to have. Landlords may have insurance for the building, but this will not cover your personal belongings. Without renters insurance you would be responsible to replace your expensive electronics or clothing that have been stolen or damaged.

People may not realize how renters insurance works in a variety of situations to ensure you and your items are covered. It not just limited to protecting your items inside your home. Renters insurance can provide coverage for your items that are lost or damaged elsewhere such as in your car. Renters insurance could also provide coverage for additional living expenses in the event that your home is damaged in a covered loss. If someone is injured in your home or apartment and a lawsuit is thrown your way, renters insurance also offers liability coverage.

How to Save on Your Renters Policy

Renters insurance has a few extra perks, too. Live in a guarded or gated community? Have a fire extinguisher? Not only are these items essential for a safe home, they can end up saving you money, too! Our insurance carrier, Traveler’s, offers discounts for items you may already have installed in your house or apartment. If you have protective devices such as smoke detectors or alarms, interior sprinklers, or home security systems, you can save extra on your renters policy. Call INW Insurance Solutions today so we can go over your coverage and determine if your eligible for these discounts and more! As we review policies, we can also bundle other lines of insurance such as auto or umbrella to save you more on your renters insurance policy.

Keep your home safe with a great renters insurance policy from INW Insurance Solutions and protective devices. You don’t have to own the home you’re living in to have great protection for your possessions. And if your living situation changes or owning a home becomes a better option, INW Insurance Solutions also makes the transition from a renter’s insurance to a homeowner’s policy quick and easy! Call us today or visit our office in Mesa, AZ to discuss possible discounts on your renters insurance policy and more.