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.

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.

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.

Most Common Auto Insurance Claims And How To Avoid Them

Regardless of the amount of care that you take when you are driving in Wixom, MI, sometimes accidents can still happen. Auto insurance is crucial to protecting you, your family, and your assets when an automobile accident does take place. However, every time you file a claim it can have an impact on your insurance. Therefore, at America’s Choice Insurance Partners, we feel that it is important to become aware of some of the most common auto insurance claims and how you can avoid them.

Intersection Accidents

Some busy intersections are confusing. You cannot count on all of the other drivers on the road to obey stop signs and traffic lights. Before attempting to leave an intersection, take a moment to look in both directions in case there is another vehicle approaching that is not preparing to stop. This is especially important when your traffic light has just turned from red to green.

Rear-End Accidents

Another common insurance claim is for rear-end accidents. You should always allow plenty of room between you and the car ahead of you so you will have time to react to any sudden stopping. This type of accident has increased in the age of cell phones. It is never safe to text and drive. Also, take advantage of any hands-free options available on your vehicle to further avoid distractions when driving.

Other Common Claims You Can Avoid

Several other common auto insurance claims can be avoided by paying attention to the road, avoiding driving under the influence, and taking the necessary precautions. These claims include:

  • Single car accidents
  • Parked car damage
  • Break-in and theft
  • Backup accidents

Windshield Damage

Unfortunately, there is little that you can do to avoid a windshield damage claim. The best thing you can do is to never follow too closely to the car ahead of you, especially when traveling on roads with a loose surface.

Not every accident in Wixom, MI can be avoided. The experts at America’s Choice Insurance Partners are available to address any concerns you have regarding your auto insurance. Call us today!

3 Major Types of Auto Insurance Explained

There are different types of auto insurance, with some offering coverage against property damage and others covering injuries and related damages. Such factors influence the type of auto insurance you buy as the type of car you drive, your neighborhood, and any other existing insurance policies you have, among others. America’s Choice Insurance Partners offers auto insurance to residents of Wixom, MI.

Three Major Types Of Auto Insurance Explained

Every type of auto insurance is unique, with some extending the coverage to theft. It’s important to know the difference between all types of auto insurance to decide best which one is ideal for you.

Liability Coverage

Most states require car owners and drivers to have liability coverage which offers protection against damage to other people and property. If you are sued and found at fault, this coverage acquits you from financial losses in case of bodily injury and repair costs and replacements of property.

Collision Coverage

Collision coverage is crucial as it helps cover costs for car repairs and replacement when you are involved in a traffic accident or collide with another car. If you hit a static object such as a tree, collision coverage will pay up to your car’s value minus deductibles. It helps avoid incurring financial losses in the event of an accident, and it is optional coverage in most states.

Uninsured and Underinsured Motorist Coverage

This coverage is necessary for when you are involved in an accident with an uninsured or underinsured motorist. When you file a claim, and the at-fault driver doesn’t have the necessary insurance to cover repairs and medical expenses, this coverage helps. In some states, the other driver has to be considered legally at fault for this coverage to work.

Auto insurance is designed to protect you against financial losses when involved in an accident. There are different types of car insurance, so if you are a resident of Wixom, MI, consult with America’s Choice Insurance Partners to determine which one suits you best

Why Auto Insurance Is an Asset

Need auto insurance in Wixom, MI? Irrespective of where you reside in Wixom MI America’s Choice Insurance Partners can help in safeguarding you and your automobile. Ranging from liability protection to comprehensive coverage, we professionally customize your Michigan auto insurance, so you only pay for what you desire. Auto insurance acts as a safeguard for financial wellbeing and your car if an accident strikes, theft, or other incidents that are out of your control. Your auto insurance policy will cushion against loss from injuries, medical costs, repairs, and injuries that you inflict on other parties.

Is auto insurance mandatory in Michigan?

The state of Michigan requires all drivers to carry minimum no-fault auto insurance, comprising residual liability, personal injury protection(PIP), and property damage policies. Failure to abide by these prescribed regulations by the state, you are liable for dire consequences ranging from fines to suspension of your license.

Types of auto insurance policies in Michigan

Collision insurance: It covers damage to your car after an engagement in an accident with another vehicle and other stationary objects like a post, fence, tree, or post. It might help to repair or replace your covered automobile.

Comprehensive insurance: It provides an additional level of protection in the instance of a given accident that is non-collisional. It might help pay for physical damage to your car due to vandalism, certain weather events, and contact with an animal.

Uninsured and Underinsured motorist insurance: This policy combination can cushion you and your car after hit-and-run accidents with drivers who are at fault and might not possess sufficient liability coverage or are entirely uninsured.

Medical payments coverage: Sometimes, medical expenses can be massive after a given accident. This policy can help settle for medical bills related to a covered accident irrespective of who is found to be legally culpable.

Gap insurance: The value of a car can depreciate steadily, so an auto insurance settlement may not be sufficient to cover the cost of a loan. Gap insurance might help motorists settle the outstanding amount owed on a car loan after a total loss or theft.

If you don’t possess auto insurance currently in Wixom, MI it’s imperative to acquire coverage as soon as possible to avert out-of-pocket settlements. Call or visit us today at America’s Choice Insurance Partners to get a free quote on auto insurance coverage.

Is It Time to Update Your Auto Insurance Policy?

When it comes to having the right auto insurance, one of the things you want to do frequently is see about any needed updates. That’s because your coverage needs can change. As they do, you want to make sure you’re keeping up with them to avoid putting yourself or others at risk. If you’re in the Wixom, MI area, America’s Choice Insurance Partners can help with your auto coverage needs so you can have security and peace of mind. Don’t settle for anything less than the strong level of coverage you want and deserve.

There are some specific reasons that could signal a need to update your car policy. Those could include a new driver, a new vehicle, a change of address, and more. Even if you haven’t had any major events happen in your life recently, it’s a good idea to go over your policy with your agent at least once per year and see if there are any changes needed. It’s often easier to make smaller changes as they come around, instead of having the same policy for years and then realizing that you need to make a lot of adjustments all at once.

Reach out to us today at America’s Choice Insurance Partners if you’re in the Wixom, MI area. We’re here and ready to help you find the auto insurance policy you need so you can have adequate coverage. Our dedicated agents will take a look at your current policy and see what types of updates might be right for you. Then you can have a policy you feel good about, so you won’t have to worry about your coverage or miss out on any valuable changes that could help you have a more comprehensive level of protection for your vehicle.

Required Auto Insurance in Michigan

Auto Insurance

In Michigan, you are required to have several different types of coverage in your auto insurance policy. To make sure that you get the right auto insurance, call us at America’s Choice Insurance Partners in Wixom, MI to make an appointment to talk to an agent. An agent can go over various coverage types and help you to get the insurance that you need.

Michigan Coverage

There are three main parts that make up the requirements of a Michigan auto insurance policy. These are property protection, personal injury protection, and residual liability. If a policy has all three of these parts in at least the mandatory minimum amounts, their auto insurance is legal for them to drive. 

Personal Injury Protection

This type of auto insurance coverage is the medical part of a Michigan auto policy. There are several options that customers can choose from in their PIP. Each of the choices offers a specific amount of coverage as well as offering wage protection in case you can’t work due to injury. 

Property Protection

This coverage typically requires having a large amount of property damage coverage. However, this is good only in Michigan. It doesn’t pay for damage to someone else’s property that is out of state. This coverage does pay for any damage done to other cars that are properly parked, but it doesn’t cover other damage to vehicles.

Residual Liability Coverage

This type of coverage covers a mandatory minimum amount of damage that you do to a vehicle outside of Michigan. It also provides liability coverage if someone is injured or killed in an accident. 

Getting Your Insurance

To stay legal, call us about your auto insurance needs. At America’s Choice Insurance Partners in Wixom, MI, we’re here to help. 

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.