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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. 

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.

Why you need to get motorcycle insurance?

Those that are in the Phoenix, AZ area will benefit from great sunny weather most of the year. Along with this, owning a motorcycle for both fun and a mode of transportation could be a great option. If you are going to get a motorcycle in this area of Arizona, you need to consider your insurance needs. There are several reasons why someone needs to have motorcycle insurance in place. 

Ensures You are in Legal Compliance

One of the many reasons why you need to have motorcycle insurance is because it will allow you to stay in compliance with your legal requirements. Those that operate a motorcycle in Arizona are required by law to carry liability insurance at all times. This will ensure that they are able to pay restitution if they are found liable for damages caused in an accident. 

Protects the Asset

Additionally, you need to get motorcycle insurance if you want to have your asset protected. Collision and comprehensive coverage will provide protection when you are involved in incidents that are your fault or out of your control. When you purchase a motorcycle, you are going to be making a big purchase and investment. If the bike is stolen or damaged, it can be expensive to repair or replace it. With a full motorcycle insurance policy, you will have the insurance coverage and means to replace your motorcycle.

If you own a motorcycle in the Phoenix, AZ area, it is very important that you find a reliable insurance policy. Those that are looking for motorcycle insurance in the area should call Bailey Insurance LTD. When you speak with Bailey Insurance LTD about your motorcycle needs, our agents can help you find a policy that benefits your lifestyle. The team can also help you find a policy that provides you with the right type and level of protection. Contact our office to get a quote.


Motorcycle Safety Tips

Operating a motorcycle in Phoenix, AZ is different than driving a car. It’s important to understand motorcycle safety tips to make sure your ride is safe. Below are a few tips from Bailey Insurance LTD:

  • Always Wear a Helmet and the Appropriate Gear: Wearing a helmet is the easiest way to protect against any head injuries. You also want to wear protective clothing and gear that can minimize the injuries caused by a skid or accident. Consider reflective tape for clothing to make it easier for drivers to see you.
  • Follow the Traffic Rules: Obey the speed limit and remember the faster you go, the longer it takes for you to stop.
  • Ride Defensively: Drivers may not see you, and about two-thirds of bike accidents are caused by a driver infringing on the rider’s right of way. Ride with your headlights on, stay out of blind spots, and signal in advance.
  • Keep Your Riding Skills Honed: Complete formal riding education programs and take riding courses to develop techniques that can sharpen street riding strategies. Check with your agent at Bailey Insurance LTD to see if you are able to get a discount by taking these types of classes.
  • Ride Sober and Awake: Don’t drink and drive, which not only causes harm to yourself in Phoenix, AZ but also others. Drowsiness and fatigue can also impair the ability to react, so make sure you are well-rested.
  • Prepare to Ride: Make sure that your motorcycle is fit for the road. If something goes wrong with your bike, it’s in your best interest to figure it out before getting on the road. Check the tires, under the motorcycle, turn signals, and taillights to make sure everything is in working order.
  • Watch for Road Hazards: Since a motorcycle has more contact with the pavement than a car, it’s important to look out for sand, pebbles, or wet leaves that can cause you to slide unexpectedly.

Contact Bailey Insurance LTD to get a quote on motorcycle insurance. 

Can Roommates Share a Renters Insurance Policy?

If you are renting a home, condo or apartment, it is important that you purchase a renters insurance policy. Many people assume a homeowners insurance policy will protect their belongings in the event of fire, flood or theft, but homeowners policies do not cover renters. This is why it is so important to have your own policy. One of the questions that we at Bailey Insurance LTD, serving the greater Phoenix, AZ area, are asked is whether roommates can share a renters insurance policy. 

Can Roommates Share a Renters Insurance Policy? 

Roommates can share a renters insurance policy. However, most insurance companies require the roommates who are sharing policy to all be listed on the lease. This means that if you have someone crashing on your couch and not listed on the lease, they will likely not be covered by your insurance policy. If you have roommates who are not listed on the lease but want to be on the renter’s insurance policy, you may need to draw up a sublease with the individual. 

Can You Pick and Choose Who is Covered By the Policy? 

Many insurance companies require each person listed on the renter’s insurance policy to be listed as an included party, and those not covered to be listed as an excluded party. Most included and excluded parties must sign a form so that they understand that they are included or excluded. This is important, as you may have a roommate who wishes to carry their own renter’s insurance policy, or who doesn’t want any coverage at all. This gives every party in your rental home the ability to decide which type of insurance is best for them. 

Are you looking to purchase a renters insurance policy in the greater Phoenix, AZ area? Contact Bailey Insurance LTD to get started or to obtain a free price quote.