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.