When is auto insurance needed in Michigan?

For people that are all over the state of Michigan, owning a car is a practical necessity, as it will make it much easier for you to get around town. For those that are in the Wixom, MI area, it is crucial to understand your auto insurance needs and requirements fully. There are several situations when you will need to have an auto insurance policy when you are in the state of Michigan. 

When Driving on Public Roads

If you intend to drive your car on a public road in Michigan, you will be obligated to carry auto insurance at all times. Similar to other states, Michigan requires that all drivers have a liability insurance policy in good standing. This insurance will ensure that you can pay for any damages you cause when you are driving. If you do not have this insurance, you could face severe penalization if you are caught without it. 

If You Have a Loan

You are also going to need to get an insurance policy if you have a car loan. If you have taken out a loan to finance the purchase of your vehicle, you are going to be required to carry auto insurance at all times. When you have a full collision and comprehensive insurance policy in place, it will help to protect the lender’s collateral. For a lot of car owners, providing evidence of this insurance will be required when the loan is funded.

If you are going to purchase a car in the Wixom, MI area, it is vital that you get the right auto insurance. The insurance professionals at America’s Choice Insurance Partners can help you to find a policy that works for you. America’s Choice Insurance Partners will do this by providing you with a personalized assessment to understand your requirements. 

Why should someone in Michigan get auto insurance?

Owning a car in the Wixom, MI area usually is a necessity. When you are going to buy a car in this area, it is vital that you get the proper auto insurance in place before you take your vehicle out on the road. There are several reasons why someone that has a car in Michigan needs to make sure that they have auto insurance at all times. 

Ensures Legal Compliance

The first reason why someone in the Wixom, MI area should get auto insurance is that it is required by law. Those that are anywhere in Michigan are going to be required to carry auto insurance at all times. The minimum requirements will require that you at least have a certain level of liability insurance, which will allow you to pay restitution if you are at fault in an accident. 

Protects Your Car

Beyond ensuring that you comply with the law, having auto insurance is also a good idea because it will protect your car. If you have a vehicle that can be expensive to repair or replace, or if you have an auto loan, you are going to want a full collision and comprehensive auto insurance policy. This will ensure that you have coverage if your car is stolen or damaged. 

If you do have a car in the Wixom, MI area, it is very important that you carry auto insurance at all times. When you are looking for your next car or auto insurance policy, you should call America’s Choice Insurance Partners as soon as you can. The insurance professionals at America’s Choice Insurance Partners can help you find a policy that provides the right type and level of coverage for your needs. 

Top 3 Things That Drive Your Auto Insurance Rates Up

Do you dread getting that annual renewal notice from your auto insurance company? Are you worried that your rates have gone up? Unfortunately, you can’t avoid the inevitable by burying that letter under another pile of mail.

No one likes to see their insurance rates go up, but there might be something you can do to lessen the blow. If you have an idea of what drives the rates up, maybe you can actively try to keep them from rising.

Your auto insurance rates might increase if you make voluntary changes to your policy. For instance, if you add a new driver to the policy, then you will need to pay for their coverage, as well. For more information on adding someone to your current policy in Wixom, MI or around the state, be sure to contact America’s Choice Insurance Partners.

Here are a few other reasons your insurance rate might go up:

  • Driving History – The insurance company will take into consideration your driving history, including your driving record. If you have had convictions or driving violations, then your rate may increase. They will also consider your claim history (i.e., how many claims you have made over the last year, etc.)
  • Change of Address – When you move into a new area, your rate might change, as well. Some locations are considered higher risk, which means that insurance in that area is more expensive. This could be due to a larger population of drivers or higher traffic areas.
  • Change of Employment – If your employment situation changes, your insurance might be subjected to an increase. For example, your former employer may have provided a group discount or professional discount; without the discount, you will have to pay the full rate.

Contact America’s Choice Insurance Partners in Wixom, MI

If you are looking to make changes to your current auto insurance policy or have questions regarding an increase in rate, do not hesitate to reach out to America’s Choice Insurance Partners. An agent will be able to help you out and guide you in the right direction.

What Is the Difference Between Collision and Comprehensive Auto Insurance

America’s Choice Insurance Partners specializes in all types of auto insurance. It is state-mandated in Wixom, MI that all drivers must have their vehicle properly insured before taking to the road. If you are uncertain as to what type of insurance is best for your needs, call and speak to an agent. They can clarify what each type of policy covers and which one would be best for your individual needs.

Collision Insurance

If your vehicle is paid off and you want to protect your investment, collision insurance may be just what you need. With collision insurance, your car will be repaired if it is involved in an accident. Collision policies meet or exceed the state minimum requirements in terms of personal injury and property damage liability. It will protect you from devastating financial loss if an accident occurs.

Comprehensive Insurance

Comprehensive insurance covers everything that a collision policy does but it goes a few steps further and covers theft, vandalism and other types of damage. Basically,  a comprehensive policy covers a wider array of possible events than an accident between two or more vehicles or another object. With comprehensive coverage, the premiums and deductibles will be higher than most other types of policies simply because there is a much higher risk of damage.

In Wixom, MI, residents can always call the agents of America’s Choice Insurance Partners if they are concerned about their auto coverage. If you are buying a vehicle or have just paid one off, call and schedule a review of your policy. This will ensure you have the right type of coverage and aren’t paying for coverage you may no longer need. 

 

 

Things to Discuss With Your Teen Before Adding them To Your Insurance

Teenagers bring their own special set of worries to the road. Whether it be learning how to drive or driving on their own, it can be a stressful situation. If you are in the process of raising teen drivers now, or if their time to drive is soon approaching, here are a few things you should discuss with your teen before adding them to your insurance with America’s Choice Insurance Partners serving Wixom, MI and surrounding areas.

Driving is a Privilege

You should make sure that your teen fully understands that driving is not their right, but rather their privilege. They should understand that individuals who do not respect the rules of the road, and the rules of your house, cannot continue to be granted that privilege. Make sure that your teen understands your rules very clearly so that there is no confusion about what is expected of them.

Driving is Costly

You should also make time to explain to your teen the costs that are involved in driving. There is the cost of the vehicle and its maintenance, the cost of insurance, and the costs of tags. Your teen should be well aware of how expensive it can be to break the rules as well. Traffic violations can carry a hefty price tag in addition to the fact that they will also affect your insurance rates. Young people need to understand the truth about the costs of driving.

Poor Driving Practices Have Consequences

Your teen should be well aware of the consequences that are set in place for breaking the rules or getting a ticket. Having a clear consequence in front of them is often a great way to discourage bad driving behavior.

If you would like to learn more about adding teen drivers to your insurance, call our friendly staff at America’s Choice Insurance Partners serving Wixom, MI and surrounding areas.