Archive for the ‘Uncategorized’ Category

Important Facts You Should Know About Auto Insurance

Friday, August 24th, 2012

Recurring Hot Insurance Topics: Auto Policies & CondosWhen it comes to purchasing auto insurance, there are many things to consider. You want to make sure that you are purchasing a policy that will offer proper coverage, and it helps to take some time to conduct a little research on various insurance companies. You can compare rates as well we read user reviews in order to make an informed decision, and by being aware of some common facts and misconceptions regarding insurance you can also save yourself time and money.

Collision and liability insurance on their own are rather expensive, and a comprehensive insurance coverage plan will cover a great deal of categories with a small price increase. It is actually cheaper than collision and liability, and with comprehensive insurance a driver will be covered against theft and damage, including damage done by a family member, as well as any type of issue caused by improperly maintaining your automobile.

There are a variety of ouside factors that can cause an insurance rate to be in the high range, as well as positive factors that can allow for motorists to receive good driver discounts and cheaper coverage. For high insurance rates, some factors include age, previous claim history, driving record and accident history, and even the make or model of the car. If a driver is considered a higher risk, they can be locked into a certain price for up to three years. Drivers that have a good driving record, zero speeding tickets, and no previous insurance claims are often offered cheaper rates and discounts.

Lapsed policies can sometimes cause problems for drivers as well. The rules vary from state to state, but the bottom line is that a driver can be subject to fines and even have their driver’s license taken away if they happen to be pulled over and it is found that their insurance has lapsed. (more…)

No Fault Car Insurance in Michigan

Thursday, March 31st, 2011

One topic of interest that a lot of people are starting to look into more isĀ  no fault insurance. Under the no fault insurance law in this state, it basically says that when you get into an accident, whether or not your rates go up is not determined by who caused the accident. A lot of people like this because they won’t have to pay more money out of pocket for repairs to their car or even medical bills. It also means that your monthly rate will not go up either.

In Michigan you absolutely need to have car insurance when you are driving anywhere at any time no matter what type of vehicle it is or how old you are. The younger you are however, the harder insurance companies go on you. Younger drivers almost always have higher rates because they are considered to be more at risk than someone who is older and more experienced. The amount you pay for your insurance each month also has to do with the type of car you drive and the amount of tickets and accidents you have been in. (more…)

Personal Injury Car Insurance Requirements in Michigan

Wednesday, March 23rd, 2011

One very important thing you need to be aware of if you are a driver of any age is Michigan car insurance personal injury protection. Essentially, when you start driving in michigan and get an insurance plan, whether it is basic or more detailed, you will have a feature that pays your medical bills in the event of an accident. Any kind of personal injury that you suffer as a result of the accident, whether or not you were at fault, is covered and taken care of by this plan.

A lot of drivers are happy to know that they are protected from having to pay their own medical bills in case of an accident, however just because this is covered by a basic plan, it doesn’t mean that you have to settle for it. There are many other types of vehicle insurance plans you can get that cover a whole range of things. The thing of the matter is that you should be prepared for just about any type of situation on the road, as bizarre or unlikely as some of them may seem. (more…)

Obtaining Michigan Car Insurance Quotes

Wednesday, March 23rd, 2011

Getting Michigan car insurance quotes is as easy as making a few calls and doing some research online. Most people don’t even know where to start when it comes to getting information regarding car insurance. This is why so many people have only basic coverage plans required by their state and end up paying way too much money when they get into an accident. While a basic plan in Michigan does cover quite a bit, you will still need something more to protect you and your vehicle. (more…)

Understanding Michigan Car Insurance Rates

Wednesday, March 23rd, 2011

A lot of young people who are just starting to drive are wondering aboutĀ  Michigan car insurance. There are a lot of aspects to car insurance that you will need to know about if you are a driver. Some people don’t even know the basics, such as that car insurance is required to legally drive on the road in any state, including Michigan. This article will review important information that you have to know before getting behind the wheel. It is especially important for younger people to know these things.

One thing that most people are aware of is that when you get into a car accident, your insurance rate usually goes up, whether or not you caused the accident. Every company is different in this sense though, because some of them will actually look at the police report and make a decision as to whether or not to up your rate accordingly. Not all companies are that way though. Some people raise your rates just because they can, and that is exactly what you will try to avoid in choosing one. (more…)