If I’m towing a boat, does my Arizona car insurance cover it in an accident?

If you’re an Arizona boat owner, you’re in luck – the state has many great lakes and rivers where you can enjoy some time on the water. But before you hit the open water, there are a few things you need to know about towing your boat in Arizona. In this blog post, we’ll cover what you need to do to ensure your car insurance covers your boat in case of an accident.

If you’re planning on towing your boat with your car, check if your policy covers accidents involving a trailer. In most cases, your standard car insurance policy will not cover damage to your boat or trailer in the event of an accident. However, you may be able to purchase additional coverage for your boat through your insurer.

If you opt not to get extra insurance for your boat, you can do a few things to reduce your risk on the road. First, ensure your boat is registered correctly and all the required safety equipment is onboard. Also, inspect your trailer before each trip to ensure it is in good working order. Lastly, always drive carefully and obey all traffic laws – this will help keep both you and your boat safe while on the road.

There are many places within a day of Mesa, AZ to enjoy your boat. However, it’s essential to ensure you have the proper insurance coverage before setting out on the open road. Call INW Insurance Solutions today. We can help ensure that you and your boat are safe when venturing onto Arizona’s waterways.

Is motorcycle insurance required in Arizona?

Motorcycle owners in Mesa, AZ may wonder if they are required to carry insurance as part of owning a bike. Fortunately, the team at INW Insurance Solutions is here to answer that question and more. Let us help you find the right bike policy for your needs. You’ll be glad to have the protection you need. Give us a call to learn more about the motorcycle insurance options available in our area. 

Required motorcycle insurance in Arizona

Liability insurance is required for all motorcycle owners in Arizona. In fact, the requirements were just recently increased. And these regulations also apply to all motor vehicles, including scooters and motorbikes. Anyone considering buying a motorcycle should take the time to look into the available insurance policies.

The required liability protection will cover you if you are involved in an accident that causes personal injury or property damage. If you opt for a policy that covers the basic requirements, you won’t have protection if your bike is stolen or damaged. This can mean that you’ll have to come out of pocket for any expenses that aren’t covered by your basic policy.

Upgrading to a policy that provides coverage for collisions and medical expenses is a great way to protect yourself from future financial stress. Several different policy options provide robust coverage.

Find out more today!

Mesa, AZ area motorcycle owners turn to the team at INW Insurance Solutions for all of their insurance needs. If you’re thinking about buying a bike soon or aren’t sure if you have the protection you need, give us a call or stop by today. We are here to help you with all of your insurance needs.

4 Facts You Must Know About RV Insurance

Is there a better way to spend a day than exploring the beautiful sceneries of Mesa, AZ, with an RV? Not many things can beat an RV experience. However, although your RV gives you limitless fun, don’t forget about one crucial thing: RV insurance. RV insurance from INW Insurance Solutions protects you, your vehicle, and passengers when the unthinkable happens.

Want to learn more about RV insurance? We have gathered 4 facts about RV insurance that we think might shed more light on this must-have coverage for RV owners.

RV insurance is mandatory

Like your vehicle, you must invest in RV insurance to drive or park your RV in public spaces. If you are found without RV insurance, you could face stiff penalties and fines, including license suspension. But is it worth it, yet you can get affordable coverage from INW Insurance Solutions?

RV insurance can protect your personal items

Unlike your auto insurance, RV insurance can protect the items inside your vehicle. Since your RV acts like your home, you probably have many assets inside your RV. For this reason, you need coverage that can cover the contents in your vehicle to cushion you from losses and damages.

RV insurance covers you if you live in your RV fulltime

Living in your RV 99% of the time? You can get coverage similar to home insurance. This RV insurance protects your RV, personal assets and covers you against personal liabilities.

RV insurance has numerous coverages

Just like your auto insurance, RV insurance isn’t a one-size-fits-all coverage. It’s offered in numerous coverages — so you only choose coverages that suit your needs and budget.

Buy RV insurance today!

Need to invest in RV insurance in Mesa, AZ? Please get in touch with INW Insurance Solutions for affordable coverage.

Who Needs Boat Insurance in Arizona?

Unlike car insurance, you are not required to purchase boat insurance in Arizona. However, if your boat is financed, your lender may require you to purchase boat insurance. But whether boat insurance is mandatory is compulsory or not, INW Insurance Solutions advises all boat owners to consider this coverage because it can save you when you least expect it.

Why do you need boat insurance?

Yes, you may not be required to buy boat insurance in Arizona, but you still need it. Here are reasons you need boat insurance:

  • To protect your asset: Your boat is a significant investment that needs protection. Boat insurance is the best protection you can think of because it covers your boat against unexpected risks that may reduce your boat into rubble.
  • For liability protection: When accidents occur, you could be liable for property damage and bodily injury to other people. Luckily, you have boat insurance to thank when facing liability claims.
  • Medical payments: When boat accidents occur, you and your passengers can suffer injuries that could be costly to treat. Luckily, boat insurance pays for your medical expenses no matter who was at fault for the accident.
  • For peace of mind: Whether cruising, sailing, or fishing with your boat, time in the water should be fun-filled. Unfortunately, your time in the water can be worry-laden if you don’t have protection to back you up when mishaps happen. Luckily, boat insurance can take care of your worries in the water because you know your risks are well taken care of.

Boat insurance in Mesa, AZ 

Are you looking for boat insurance or simply want to review your coverage? INW Insurance Solutions can help. Our team of qualified agents can help you purchase a boat insurance policy that suits your budget and other needs. If you are looking to renew your coverage, we will look at the gaps in your policy and advise you on ways to fix them.

Why Do I Need Motorcycle Insurance?

How are you getting to the table this Thanksgiving? If you’re riding into town on a motorcycle have you made sure that you’re properly protected against all the possible risks?

Your INW Insurance Solutions team loves motorcycles. We understand how motorcycles are more than a hobby, it is an experience. If your motorcycle is your pride and joy, you know the countless hours you put into taking care of your motorcycle. You wouldn’t just buy cheap motorcycle parts for your beloved motorcycle, so why would you get motorcycle insurance that is not up to the quality and care that you’ve invested into your ride?

While riding a motorcycle is more freeing and exciting than a car, it can be very dangerous. Motorcyclists face hazards like being less visible to other motorists or losing stability on roads with poor maintenance. Not only is motorcycle insurance required, there are also a variety of coverages you can choose and customize including collision, your personal belongings, motorcycle equipment. Considering the heightened hazards, it would make sense to better protect yourself before an accident were to happen.

You can call INW Insurance Solutions today to begin discussing your premiums. There are a variety of factors that may impact your pricing. In some instances, it might even be cheaper than insuring a car!

If you are looking for some ways to share your love of motorcycles with other riders and get some extra cash before the gift giving season, you can list your bike on Twisted Road, a motorcycle rental company. As a Twisted Road member, you could even qualify for a 5% discount with one of our carriers, Foremost Insurance Group. If this sounds like something you are interested in and would like more information on, you can contact our office. Our agents can discuss what coverage options Foremost Insurance Group offers and even additional policies to find you better savings.

INW Insurance Solutions finds you the best options for the challenges you may come across when searching for the perfect motorcycle insurance. Don’t take a risk when a riding a motorcycle. Wear your helmet and be protected against the risks on the road and liability.
Enjoy the road. Enjoy the ride. Enjoy knowing INW Insurance Solutions has your ride protected with motorcycle insurance.

4 Questions You Should Ask Your Agent About RV Insurance

When you go to get RV insurance, you may want to know about some specific things. Even if this isn’t the case, it’s important to know what is involved and what to expect. The following are questions you can ask your Mesa, AZ area agent from INW Insurance Solutions. 

1. Do I need special coverage for a new motor home or trailer? 

It might be a good idea to secure some optional coverage so that you protect your investment. There are companies that lease protection in the instance that you have a total loss accident, so you get enough coverage for the gap between the depreciated value and what you still owe on your loan. 

2. How many days of usage do I get with an RV insurance policy? 

This is something that varies on the company. Many insurance agencies offer policies that provide seasonality coverage. You can enjoy hitting the open road with coverage and back off when it’s the off-season. This way, you might only have to pay for comprehensive coverage for the time when your RV is stowed away somewhere for a consecutive period of time. 

3. Can I get assistance if I have a mishap while on the road? 

There are numerous companies that offer roadside assistance services as an add-on, just like they would for an automotive insurance policy. It may cover things like having someone come to open your door if your keys are locked inside, or if you have flat tires. 

4. What if I want coverage for my personal property?

If you have your valuables and other personal possessions on your RV, you’re in good company. You’ll want to talk to an independent agent about setting up personal property coverage that is adequate for the amount you’d like to recover in the event of a total loss situation. You might also get coverage for extra custom things you’ve added on such as a stereo system, awning, and custom wheels. 

You can get your RV insurance questions answered by a professional at INW Insurance Solutions. Serving the greater Mesa, AZ area, we’re happy to assist new customers. 

Boat Insurance Coverage Options

While there are no boat insurance requirements in the state of Arizona, it is still highly recommended that you protect the investment you have made in your boat by having it insured. The boat insurance professionals at INW Insurance Solutions in Mesa, AZ know and understand the importance of boat and watercraft insurance.

There are several options you can choose from when it comes to insuring your boat. Also, if you have borrowed the money to purchase your boat, it may be a requirement by your bank or lender that you do have a boat insurance policy in place to protect the investment your lender has made in your boat.

Boat and Watercraft Insurance Coverage Options

Liability Boat Insurance

Liability boat insurance is extremely important and will help pay for the medical bills if someone is injured due to an accident involving you and your boat. This type of policy will cover people who are injured in another boat involved in a crash that is determined to be your fault as well as your own passengers in your boat. 

Comprehensive Insurance

Comprehensive coverage is a type of coverage that will protect your investment in your boat or other watercraft if it is damaged or destroyed by an act of vandalism, a fire, or even a natural disaster, such as a hurricane or tornado. It will also help to pay for the replacement of your boat or watercraft if it is stolen. This type of policy is also the one that a lender may very well require you to have since it best protects the investment they made in your boat or watercraft.

Collision Insurance

If you have a collision with another boat or an object, such as you back into a dock, this type of coverage will assist in paying for repairs to your boat or to a boat belonging to another boat owner involved in a collision with you and your boat. It will also help pay for any damage to the dock or any other object you collide with while driving your boat or operating your watercraft.

To obtain a quote and get your boat insurance policy started, contact the insurance agents at INW Insurance Solutions in Mesa, AZ today.

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!