How to prepare your car for winter

As the winter months approach now is the time to prepare your car for the cold and snow. Taking a few simple steps to winterize your vehicle can help ensure that it runs reliably and safely in winter. Here are some tips from us at America’s Choice Insurance Partners to help you get started.

  • Check your tires– Make sure that your tires are inflated correctly and have adequate tread to provide traction while driving on snowy or icy roads. If necessary, replace worn-out tires with winter-specific ones, and consider adding chains if you live in an area with heavy snowfall.
  • Change your oil– Cold weather tends to put more strain on engine oil, so make sure that yours is clean and up-to-date.
  • Check all fluids– You’ll also want to check all other fluids, such as coolant, brake fluid, power steering fluid, and windshield wiper fluid, to ensure they are topped off and still effective at freezing temperatures.
  • Test your battery– Your car’s battery should be able to handle cold temperatures without losing its charge too quickly. Have it tested by a professional if needed to ensure it lasts through the winter months without any issues.
  • Replace windshield wipers – If your wipers are cracked or torn, replace them with winter blades that won’t freeze when exposed to cold temperatures.

By taking these easy steps now, you can save yourself from having costly repairs later on down the road this winter season! For more tips, call us at America’s Choice Insurance Partners today.

Winter Storage Tips for RV Owners in Wixom, MI

If you’re an RV owner in Wixom, MI, winter storage is critical to protecting your vehicle from the extreme cold. The harsh Michigan weather can cause severe damage to your RV if it’s not properly stored and protected.

Here are a few tips from America’s Choice Insurance Partners to keep your RV safe during the off-season.

Clean and Cover Your Vehicle

The first step to ensure your RV is ready for winter storage is thoroughly cleaning it inside and out. Ensure you remove all debris from cracks and crevices, remove any tar or grease build-up outside the vehicle, use a pressure washer on the exterior surfaces, and clean out all cabinet drawers and closets. Also, cover your RV with a tarp or canvas to protect it against snow and ice.

Check All Systems and Fluids 

Before storing your RV for the winter season, it’s essential to check all systems and fluids, including tires, brakes, engine oil/coolant, and transmission fluid levels. It’s a good idea to also check all hoses and belts for any signs of cracking or leakage.

Battery Maintenance and Fuel System Protection 

Maintaining your battery during storage is essential since cold temperatures can cause it to drain faster than usual due to increased internal resistance. To prevent this from happening, disconnect the battery terminals when storing away for extended periods. Additionally, add a fuel stabilizer to your gas tank before filling up so that fuel doesn’t break down in long-term storage.

These are just a few tips for safely storing an RV during winter months in Wixom, MI, but there are many more considerations! For peace of mind knowing that you and your vehicle are covered in case of an accident or unexpected event during storage.

Contact America’s Choice Insurance Partners about getting adequate insurance coverage for yourself and your recreational vehicles today!

Why should I get commercial insurance for my Michigan business?

Being a business owner has continued to be a dream for many in the Wixom, MI area. When you own a business, it will allow you to be your own boss and build a successful career. If you choose to start a business, you must ensure it is insured. A great way to do this is by getting a commercial insurance policy. 

Reduce Business Liability Risks

A reason you should have a commercial insurance plan is to reduce liability risks for your business. Businesses will take on liability risks whenever they sell and deliver a product or service. If you are insured correctly, it can provide support in these situations. 

Protect Assets

You will also want a commercial insurance plan to protect your business assets. Today’s businesses must invest in various assets to start and run the company. Commercial insurance offers support to protect these assets. 

Improve Business Reputation

Commercial insurance can also help to protect your business reputation. Insurance will be required if you want to take out a loan, raise outside capital, or complete other tasks. Without this coverage, you can violate these agreements and jeopardize your organization’s reputation. 

If you are a small business owner in the Wixom, MI area, it would be a good idea to insure your company with commercial insurance properly. Choosing this type of coverage can be difficult, but the team with America’s Choice Insurance Partners can help. The professionals with America’s Choice Insurance Partners know the value of this coverage and will offer the support you need to cover your business moving forward. 

Updating Your Insurance When Buying a New Car

If you’re in the process of buying a new car, it’s important to remember to update your insurance policy. Your old policy may not cover a new car, or it may not provide enough coverage. At America’s Choice Insurance Partners serving Wixom, MI, we can help you find the right policy for your new car. Here are a few things to remember when updating your insurance when buying a new car.

1. Your Old Policy May Not Cover a New Car

Your old policy is not likely to cover a new car. This is because insurance companies typically only insure vehicles for their market value. If you purchase a new vehicle, your old policy will not cover the full value of your new car.

2. You May Need More Coverage

When you buy a new car, you may need more coverage than you had on your old car. This is because new cars are usually more expensive than older cars. If you have a loan on your new car, your lender will require that you have full coverage insurance.

3. Your Rates May Go Up

New cars are usually more expensive to repair or replace than older ones. If you have a loan on your new car, your lender will require that you have full coverage insurance, which is usually more expensive than liability insurance. If you don’t have a loan, you may still want to consider full coverage insurance.

4. You May Need Special Coverage

Classic, high-end luxury, and antique cars often require special coverage. If you have a new car that falls into one of these categories, be sure to speak with your insurance agent about the right coverage for your vehicle.

Get Your New Car Insured Today

Remember to update your insurance policy if you’re buying a new car. At America’s Choice Insurance Partners serving Wixom, MI, we can help you find the right coverage for your new vehicle. Contact us today to get started.

Why longtime RV owners may need to update their insurance

America’s Choice Insurance Partners is the team that Wixom, MI area residents can rely on for all of their insurance needs. If you have questions about your RV policy, we are here to help. Contact our office today to learn more. 

Is it time to update your RV policy?

With most insurance policies, consumers renew their policies year after year. While this may feel convenient, and you may not think that your insurance needs change too much year after year, waiting too long to upgrade a policy can be a mistake. If it’s been years since you have taken a close look at your RV policy, now is a great time to do so. 

Vehicle values change, as do liability protection needs. And just these two examples could be enough to warrant an upgrade. If you want to know if your current policy still provides the protection you need, we can help. By sitting down with a local agent, you can gain a greater understanding of your policy and if there are any gaps in your current coverage.

There’s no reason not to review every insurance policy upon renewal thoroughly. This critical step often falls by the wayside as we all have busy lives. If you haven’t been able to thoroughly review your policy in a while, let us help. After a comprehensive review, you will know what additional coverage you may need and take any necessary steps to put the right policy in place.

Call or stop by our office today!

RV owners in Wixom, MI and the surrounding area can count on America’s Choice Insurance Partners for all of their insurance needs. We are here to help! Give us a call or stop by today.

Required Insurance for Missouri Motorhomes

Recreational vehicles like motorhomes are a traditional American way to travel. Whether touring the country or heading off to weekend fish camp, motorhomes provide comfort and convenience on the go. And while we all enjoy a motorhome, these part house/part automobile units come with different regulations than the classic tent and car — including insurance. America’s Choice Insurance Partners serves Wixom, MI by guiding motorhome insurance policies.

Here are the facts you need to understand about Missouri Motorhome Insurance.

Missouri Motorhome Insurance Requirements

Motorhome owners must have proof of liability insurance on every vehicle to cover medical and physical damages in the event of an accident. Liability insurance is separate from other comprehensive coverage that can protect your physical vehicle from theft or damage, as well as different policies that insure you against losing items inside the motorhome, such as phones, wallets, or TVs. The liability coverage is legally required, but the extra coverage is highly recommended.

If you choose not to have liability insurance, there are three legal ways you can provide legal proof of financial responsibility — a law for operating a motorhome in Missouri. You may provide a surety bond, real estate bond, or deposit of cash or negotiable securities like stocks along with a signed legal affidavit. If this sounds complex, it is why most motorhome owners prefer to connect with a good insurance agent and get the policy they need. 

Learn more about motorhome insurance requirements for Missouri and beyond. America’s Choice Insurance Partners serves Wixom, MI, and is ready to provide you with your custom quote today.

What Does Home Content Insurance Cover in Michigan?

Have you ever wondered how you would replace your new TV or favorite jewelry if you lost them in a home invasion or fire? Content insurance is also called personal property insurance. It covers items you lose after a fire, theft, or other insured events at your home. Examples include personal belongings, such as expensive jewelry, electronics, and anything not fixed in the house. If you want to review or increase your current content coverage, reach out to a dedicated America’s Choice Insurance Partners in Wixom, MI.

Are Family Members Covered?

Content insurance covers anyone on your home insurance policy, including children and dependents. If your spouse is on your policy, they are also insured for contents lost in a covered event. If you aren’t sure who is on your current policy, contact your agent to check.

Depending on your home insurance policy, this type of coverage can also cover personal property belonging to living employees or guests. However, it does not cover long-term tenants not related to you.

What’s Included in Content Insurance?

Since these policies vary significantly from one insurance company to another, it’s essential to know if your most precious belongings are covered. If your property is already insured under another policy, such as a car, it isn’t included in content insurance.

If you have content insurance, it may cover jewelry and precious metals, cell phones, and other electronics. However, content insurance does not cover animals, carpeting, fixtures, HVAC systems, or the property of non-family members staying at your home.

Other parts of your home insurance probably cover items fixed to the home, such as HVAC systems, carpeting, and appliances. However, if you rent out your property, you’ll need landlord insurance, and your tenants will need renter’s insurance to cover their belongings.

Contact America’s Choice Insurance Partners in Wixom, MI, today to review or improve your content or home insurance!

What Does Auto Insurance Cover?

If you need auto insurance but are unsure what your coverage options are, the agents at America’s Choice Insurance Partners in Wixom, MI are here to help you out.

Auto Liability Insurance

First of all, auto liability insurance is required for all drivers to have in place before they can operate any motor vehicle on public streets, roads, or highways. This type of insurance will cover a certain amount for bodily injury to anyone involved in an accident you caused as well as any damage that occurs to someone’s property due to the accident.

Underinsured and Uninsured Motorist Coverage

This type of insurance coverage will benefit you if you are involved in an accident with someone driving the vehicle without insurance or not enough insurance to cover the damages they caused.

Comprehensive Insurance

Comprehensive insurance is critical since it will help you repair or replace your vehicle if it becomes suddenly damaged or even destroyed by some incident. These types of incidents include any natural disaster, a fire, or some vandalism. Also, it can help you replace your vehicle if it is stolen.

Collision Insurance

Collision insurance is essential to have in place if your vehicle is damaged from colliding with another vehicle or even an object that is not moving at all, such as a telephone pole or parked car.

Suppose you still owe a lender for the money you used to purchase your vehicle. In that case, both collision and comprehensive insurance will probably be required by your lender to have as part of your auto insurance policy.

To create an auto policy with adequate insurance for your situation, contact the auto insurance agents at America’s Choice Insurance Partners in Wixom, MI.

How to Find the Best Motorhome Insurance Policy for Your Needs

There’s nothing quite like hitting the open road in a motorhome. The freedom to go where and when you want is unparalleled. However, before you can set off on your adventure, one crucial task must be taken care of: finding the right insurance policy. But don’t worry, we’re here to help. This article will give you everything you need to find the best motorhome insurance policy for your needs.

1. Define Your Needs

The first step in finding the best motorhome insurance policy is to define your needs. What are you looking for in a policy? Do you need full coverage or just liability? Are you planning to use your motorhome for full-time living or occasional trips? Answering these questions will help you narrow down your options and make searching for a policy much easier.

2. Compare Different Policies

Once you know what you’re looking for in a policy, it’s time to compare different options. There are a few different ways to do this. The first is to contact different insurance companies and ask for quotes. This will give you a good idea of how much each policy will cost.

Another way to compare policies is to read the fine print. This may seem daunting, but it’s important to understand what you’re getting with each policy. Pay close attention to the coverages and exclusions in each policy. This will help you make an informed decision about which policy is right for you.

3. Choose a Policy

Once you’ve compared different policies, it’s time to choose the one that’s right for you. Be sure to consider all of the factors discussed in this blog post. And don’t be afraid to ask questions if you’re unsure about anything.

Get Motorhome Insurance in Wixom, MI

We hope this blog post has been helpful in your search for the best motorhome insurance policy. America’s Choice Insurance Partners is here to help you every step of the way. Contact us today for more information about our motorhome insurance policies. We’re always happy to answer any questions you may have.

What RV Owners Need to Know about Insurance Plans for Summer

If you’re planning on hitting the road this summer, protect your RV with America’s Choice Insurance Partners. We have a wide variety of plans to choose from, all of which are designed to give you the coverage you need at a price you can afford. What plan is best for your needs? Let’s take a look.

America’s Choice Insurance Partners: Types of RV Insurance Plans

Basic liability coverage is the minimum level of protection required by law in most states. If you’re looking for more comprehensive coverage, we offer various options that can be tailored to your specific needs. Our team can help you better understand which of these policies is the right fit for you. 

What Coverage Do I Need?

If you’re a resident of Wixom, MI, you’ll need to have at least the minimum level of liability coverage required by law in your state. You may also want to consider additional coverage options, such as collision and comprehensive insurance if you plan on doing any traveling this summer. 

How to Get the Most Out of Your RV Insurance Plan This Summer

You can do a few things to make sure you get the most out of your RV insurance plan this summer. First, read your policy carefully to understand what is and isn’t covered. Next,  keep your RV in good working condition. Finally, familiarize yourself with the area you’ll be traveling in. The weather and road conditions may differ from your home base of Wixom, MI.

America’s Choice Insurance Partners has you covered no matter what type of RV insurance plan you need. We’ll work with you to find the right plan. Contact us today to get started.