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Common Myths About Classic Car Insurance

A classic car is not just a vehicle – it is an expensive investment and possession. If you own a classic car, you should definitely understand how important classic car insurance is. If you are currently looking for insurance options for your precious possession, you should be aware of some misconceptions about classic car insurance. Here is a list of the 3 most common myths about this type of insurance prepared by Bailey Insurance LTD serving clients from Phoenix, AZ, and other surrounding towns. 

Standard Car Insurance and Classic Car Insurance Are The Same

There are differences between these two types of insurance, and the main differences are the factors that are taken into consideration. For example, classic car insurance considers the use of a classic vehicle (whether it is used for display at auto shows), storage conditions (it should be stored in a dark, dry, and clean space), and the number of times a classic car owner drivers their vehicle. Classic car insurance is more sophisticated than standard auto insurance. 

Classic Car Insurance is For Antique Cars Only 

You may not know but even the cars that are only 25-30 years old can be considered a classic car and may be eligible for classic car insurance. Moreover, there are also other vehicles that can qualify for classic car insurance. They are custom cars, motorcycles, and tractors. 

It Is Not Easy To Get Classic Car Insurance

Actually, it is pretty easy to purchase classic car insurance for your precious possession. As long as your car is at least 25 years old, it is properly stored and is not driven on a daily basis, you can get classic car insurance to cover it. 

If you are a lucky owner of a classic car in Phoenix, AZ and you are looking for a trustworthy insurance agency to get a policy for your precious vehicle, Bailey Insurance LTD serving clients in Phoenix, AZ and other surrounding areas is ready to help. Do not hesitate to give us a call to talk to one of our experienced insurance agents. 

3 Tips for RV Maintenance

Whether you’re using your RV at the moment or not, it’s important to keep this recreational toy is tip-top shape. To help, the team at Bailey Insurance LTD has put together a list of three tips to ensure your RV is always at peak performance.

1. Make Sure the Battery is Operational

You’re cruising down the interstate in Phoenix, AZ on your way to a gorgeous RV park when you stop for lunch, and afterward, the battery is dead. It’ll take hours to get it fixed, not to mention the cost. Avoid scenarios like this one by regularly checking your RV battery. While some batteries are maintenance-free, others rely on steady water levels. Either way, it’s best to keep your RV battery fully charged all the time. The lifespan of an RV battery is five years so be sure to change it up when it starts to age. 

2. Clean out Slides and Seals

One common mistake new RV owners can make is forgetting to clean the grime and dirt build up around the seals of slide-outs, windows, and doors. Forgetting this important RV maintenance task could lead to your RV not being properly sealed and letting in outside air, which is stifling during the desert day and cold at night. You may also want to use a lubricant on the rubber to keep it from cracking. 

3. Change the Oil Regularly

Even if your RV is parked more than you drive it, you still need to change the oil every three months or 3,000 miles. This will keep your RV’s engine running smoothly and avoid expensive repairs down the road. 

To learn more about RV maintenance or obtaining an RV insurance policy in Phoenix, AZ, contact the friendly team at Bailey Insurance LTD. Our agents are available right now to answer all your questions. 

Is motorcycle insurance insurance right for me?

Many people dream of spending their day riding the highway on their very own motorcycle. Beyond being fun to ride, a motorcycle can also be an efficient mode of transportation that is a good option for people that are in the Phoenix, AZ area. When you are looking for a motorcycle, you should spend time thinking about your insurance needs as well. There are several reasons why getting motorcycle insurance will be right for you. 

Insurance Gives You Important Coverage

One reason that getting motorcycle insurance will be right for you is that it will provide you with very valuable protection and coverage. When you get a motorcycle, you are going to have an asset that you want to protect and will also be taking on liability risk. Fortunately, you can protect yourself if you get a motorcycle insurance policy as it will give you the coverage you need to mitigate these risks.

Insurance is a Requirement

Beyond needing motorcycle insurance for the valuable coverage, you will also need to get it because it is often a requirement for motorcycle owners. Anyone that has taken out a loan to buy their motorcycle will be required by the lender to carry insurance. Further, if you take your motorcycle out onto a public road in Arizona, you are obligated to meet the state’s requirements for liability coverage.

Having motorcycle insurance is right for any owner in the Phoenix, AZ area. As you are searching for a new policy here, it would be a good idea to speak with Bailey Insurance LTD. When you call Bailey Insurance LTD, you can learn a lot more about how motorcycle insurance will protect you and your prized possession. The team can then help you choose a quality insurance policy. 

When is getting boat insurance necessary?

The Phoenix, AZ area offers people with warm weather and plenty of great recreational activities. One thing that you can do in this area of the state is to take advantage of the variety of local lakes and waterways. To ensure that you are able to enjoy the warm weather as much as possible, you should consider getting a boat. If you do get a boat, you should also get the proper insurance as it could be necessary for many situations. 

When Taking Out Boat Loan

One situation when getting boat insurance will be necessary is when you take out a loan to buy the boat. Buying a boat is a very big purchase and investment. To ensure that you are able to pay for the boat, taking out a loan could be necessary. If you do take out a boat loan, the lender is going to require that you carry insurance as long as the loan is outstanding.

When Using Certain Waterways

Depending on where you intend to use your boat, there is a chance that you will be required to carry a full insurance policy. There are certain marinas and local waterways that will want all of their boat owners to carry insurance. This ultimately helps to protect you and all other people that are going to be in the area. 

Getting a quality boat insurance policy is a very important factor for boat owners in the Phoenix, AZ area. When you are looking for a new policy here, you should call the team at Bailey Insurance LTD. If you do call Bailey Insurance LTD you can be given the guidance and support that you need to choose a new policy. This will help to ensure that you are properly covered by insurance at all times. 

What Does Umbrella Insurance Cover?

Umbrella insurance provides you with the extra protection you need for peace of mind. It goes beyond the limits of insurance policies you probably already have in place by offering additional coverage for incidents, such as property damage, certain types of lawsuits, injuries from accidents, and personal liability incidents that you could find yourself involved with someday. Umbrella insurance offers added protection in two ways: more coverage and additional coverage options.

Examples of Umbrella Insurance Coverage

Bodily injury: Your dog is loose in your yard but suddenly bites your neighbor as they walk past your house. An umbrella insurance policy can cover your neighbor’s medical expenses and even time off of work if necessary.

Property damage: You have business insurance but your worker at your construction business drops a hammer on a passerby from the top of a building, giving the person a head injury and they decide to sue. Your umbrella policy will kick in to pay medical and legal expenses that surpass the amount of coverage you already have through your commercial business insurance policy.

Slander or libel: You are a reporter and someone sues you for libel. Your umbrella policy can help you pay your legal expenses to defend yourself in court against this type of suit.

These are just a few examples of situations in which an umbrella insurance policy will come in handy. To create an umbrella policy for you and your situation, you will need to enlist the help of an experienced insurance agent. The trusted and knowledgeable agents at the Bailey Insurance LTD in Phoenix, AZ are ready to meet with you to create your umbrella insurance policy. Call for an appointment today!

Why do I need motorcycle insurance in Arizona?

If you live in the Phoenix, AZ area, a great mode of transportation to consider getting is a motorcycle. When you purchase a motorcycle, you will have a vehicle that is efficient and fun to drive. While there are significant parts that come with owning a motorcycle, there are some tasks that you need to care about as well. This will include your need to get a motorcycle insurance policy. There are several reasons why you will need to have this insurance coverage. 

Required by State Law

One of the reasons why you will need to get a motorcycle insurance policy in Arizona is that it is required by state law. In this state, you need to have liability insurance whenever you drive your vehicle in public, which includes motorcycles. This coverage ensures other drivers on the road that you will be able to pay for damages if you are at fault in an accident. Those that do not have this coverage could face penalization. 

Lender Requirements

Another reason why you may need to get a motorcycle insurance policy is that your lender could require it. There are a lot of motorcycle owners that will take out a loan when they buy the motorcycle. If this is the case for you, it is essential to read the loan agreement. Many lenders will have direct provisions that state how much coverage you need.

As you are shopping for insurance coverage in the Phoenix, AZ area, it is vital that you speak with the team at Bailey Insurance LTD. When you call Bailey Insurance LTD, you are going to receive guidance and support that you need to pick a new policy. This will ensure your motorcycle is adequately covered at all times. 

Should I get auto insurance for my car in Phoenix?

Phoenix, AZ is a trendy area for people to move to. This area is well known for having a lot of sunny days, a good economy, and a variety of other benefits. If you do move here, owning a car is normally a practical necessity. When you do own a car in this area of the state, you do need to make sure that you get the right insurance coverage. There are several reasons why you should get auto insurance coverage.

Required by Law

One of the most important reasons to get the appropriate auto insurance coverage when you are in Arizona is that it is required by law. Those that are in this area need to make sure that they comply with the state law when it comes to insurance. If you do not have the minimum level of liability insurance required by law, you could face some severe penalization. 

Protects Asset

Another reason to get an auto insurance policy is that it can protect your valuable assets. A car is one of the most significant assets that someone will ever own. If you do own your vehicle, it is vital that you protect this investment as well as you possibly can. By getting a full auto insurance policy, you will receive the coverage you need as it will allow you to repair or replace your car in situations that result in a loss.

When you are shopping for auto insurance in the Phoenix, AZ area, you should reach out to the team at Bailey Insurance LTD. When you work with Bailey Insurance LTD to discuss your insurance needs, you will receive the guidance that you need to pick the right policy. This will ensure you and your vehicle are adequately covered. 

Does Home Insurance Cover Lawn Equipment Stored In A Garage?

If you own a home or are considering making a home purchase soon, you likely know the importance of having reliable home insurance protection. Home insurance not only protects the structure itself, but also protects contents and other structures connected to the home, or even separate buildings on the same property.

Cover Your Belongings

Your garage is probably going to have several items inside that can be worth a significant amount. For example, lawn equipment such as mowers, edgers, and weed eaters can be quite an investment and is necessary to maintain the home and property adequately. If there is an incident such as damage or theft, most home insurance policies will cover contents inside of the garage, including the lawn equipment. Be sure to keep detailed records and receipts for these purchases, which can include photographs to help expedite the claims process.

Work With an Agent

When you start shopping for a home insurance policy, one of the first points to consider is which agency you want to work with to obtain coverage. This is very important because a top insurance agency with have licensed and skilled agents who can guide you through the process to help you get the right type of coverage, so you don’t have gaps and issues if there is a claim. Anyone who lives near the Phoenix, AZ area can rely on Bailey Insurance LTD to help them with this process and even after the policy is purchased. 

Complete protection from home insurance can help a homeowner feel more secure about their investment year-round. Residents of Phoenix, AZ should call or stop by Bailey Insurance LTD today to find out more about the available coverage options. 

A Renters Insurance Review Can Help Protect Your Belongings

If you’re living in a rental home, or you’re looking for a rental to move into, one of the most important things you’ll want to consider is your renter’s insurance policy. If you aren’t sure what you need to cover or how strong of a policy you need to have, we can help. At Bailey Insurance LTD, we want all of our Phoenix, AZ area customers to be covered so they can have peace of mind. When you have insurance as a renter, you’re not covering the actual dwelling you’re living in. That comes with a landlord policy, and you don’t have to worry about that part of the coverage. Instead, you want to make sure you’re protecting your own belongings from harm.

In the case of a fire, flood, theft, or other problem, you want to be able to replace the things you lost. An insurance policy can help you do that without experiencing too much hardship, so you can get past the incident and start living your life once again. Fortunately, getting this type of policy is usually relatively easy and straightforward. But it’s not something you want to ignore or put off for later. You need to feel secure in your rented space, and insurance is a big part of what will help you do that. Don’t settle for less than a quality policy from trusted agents, so you know you’ve got the right kind of coverage for your belongings and specific situation.

Your renter’s insurance policy is an integral part of taking good care of your present and your future. Reach out to us today at Bailey Insurance LTD, and let us help you choose the policy that’s right for you. We care about all of our Phoenix, AZ area customers, and will be happy to answer any questions you have about the type and level of coverage that would be best for your needs.

Do I need to carry collision and comprehensive coverage?

Driving in Phoenix AZ can be challenging. When you are on the road it is important that you are confident that you have all the auto insurance coverage that you need. What that coverage looks like will depend a lot on your particular situation and the age and value of your vehicle. Sitting down with an experienced agent is important for your peace of mind and at Bailey Insurance LTD  we have that experience and since we are independent agents we offer products from the best companies available. 

In Arizona, the only auto insurance that you need to carry is a liability. You are mandated to have a minimum of $15,000 bodily injury per person with a max of $30,000 per accident and $10,000 in property damage. This protects others from you, but what about your vehicle? In order to be protected in an accident where you are at fault, you must have collision coverage. 

Comprehensive coverage is for damage to your vehicle that is beyond your control. This includes things like hail and wind, fire, flooding, flying stones and large animals like deer. It also covers you from theft and vandalism. 

When deciding whether you need these coverages, ask yourself, "Could I live without my vehicle? Can I pay to repair or replace my vehicle on my own?" If the answer is no to one or both of these questions, you need collision and comprehensive coverage. 

When it comes to deciding what types of coverage best meet your needs, it is important that you have an insurance agent who you can trust to have your best interests at heart. At Bailey Insurance LTD in Phoenix, AZ, our clients become our friends, and we will make sure that you have the auto insurance that you need. You can use our rating tool online or call our office to make an appointment to talk to a member of our team.