Rick Tovar - American Family Insurance Agent

10/26/2021

Rental Car Shortage:

As you may have heard, car rentals are in high demand and in short supply. If you've selected rental car reimbursement as an option on your Insurance policy please review your limits. You can use the daily allotted limit towards a rental car, or if none are available, towards Uber/Lyft or other paid transportation. Most current policies have $25 to $45 a day which will probably not be enough to cover daily costs, so check with your Agent (or carrier if you purchase online) about increasing that limit temporarily.

08/26/2021

08/17/2021

Hope everyone affected by last night's Microburst is safe and not too impacted. Those that were are probably finding out the limits and restrictions in Home Insuranc coverage now. Reviewing your policy options and coverage at least once a year is a good idea. Finding out after a weather event not so much. Don't be that guy/gal.

06/14/2021

Useful tip from an AZ Auto Body Shop. With Valley temps and expected to reach hellacious levels this week, every tip helps.

Most all vehicles have a recirculation button with the AC controls in their cars. But many of us are unsure when to use it.

Well, the easy answer is to use it in the summer and turn it off in the winter.

The recirculation button simply takes the air from inside the car and recirculates it in the cabin instead of pulling fresh air from outside. On days like today when it is miserably hot outside, if you do not recirculate the cooler air in the cabin, than your AC system is pulling hot air from outside and trying to cool it. Using the recirculation feature will get your car cooler and will decrease the wear and tear on your AC system.
- Side note, if your car has been baking in the sun, its better to roll the windows down and turn recirculate off for the first minute or so to get rid of the super hot air inside the car before turning the recirculate on.

Also, any time you are stuck in traffic ( summer or winter) be sure to use the recirculate. If you are pulling air from outside, then you are pulling in all the pollutants and carbon monoxide from all the traffic. Studies show that recirculating your AC can cut down on the pollutants entering your vehicle by 20% when stuck in traffic!

06/10/2021

AMFAM has a new FREE program for helping protect you from wildfire risk. It Arizona, its hot, it's dry and it can happen anywhere. Let us know if you'd like more information.

05/26/2021

A funny little meme, but we take your coverage seriously here at our Agency and we constantly reinforce to our associates to not use the term with our valued clients. Car Rental or Towing, Medical Expense, Full Glass, and other features are really a matter of need or preference. Your idea of “full” may not be the same as ours, and we believe in a comprehensive approach to finding the best coverage package at the best price for you is the smart way to go.

I guess you can ask a lizard if you have 15 minutes to spare, but I’d recommend reaching out to one of our specialists to find if your policy is “full” of benefits, and not “full” of waste.

05/19/2021

The Tovar Agency is proud to announce American Family Insurance was voted Best Homeowners Insurance by Forbes Advisor. Let us help protect your home with the BEST protection.

04/19/2021

because we all need a little

04/14/2021

Insurance tip for the week:

If you do your Insurance shopping online, try and not use quoting aggregators. They sell your request to scores of brokers and Agents and you will be inundated with quote offers until the internet goes away (hint: never). Instead, go directly to your preferred carriers or Agent website to request a quote. Pick 4 or five that you trust and compare there.

Or you can just call your boy Rick and he'll hook you up!

05/21/2020

I work for the best Insurance company in the world! Keep your ears out for some exciting news!