Car, Home, Toys, and Life Insurance Resource Center

Welcome to the best Michigan insurance resource! Michigan has the most unique insurance laws in the United States. Learn about what it takes to be insured properly as a Michigander. Get saving tips, mandatory coverage amounts, and answers to many frequently asked questions.

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19
May 14

Michigan Insurance Quotes 101

Car insurance quotes can be confusing and somewhat stressful to obtain if you do not know what to expect. Michigan can be a tricky state when it comes to car insurance. Prepare for getting lots of useful Michigan car insurance quotes by reading up on great quote tips.

  • How to Get a Car Insurance Quote: Knowing how to get car insurance is the first step in saving money on car insurance and driving a car in Michigan legally. Learn what information you need, what coverage to consider, and where to get car insurance quotes.
  • Best Time to Get a Car Insurance Quote: Timing is everything. Sure you can switch car insurance anytime, but do you know when the best time to get a quote is? Learn what time makes getting a quote the easiest and the most cost effective.
  • Free and Fast Car Insurance Quote Tips: Your time is valuable. Use your time wisely and find out how to get car insurance quotes not only fast but free too.
  • 5 Reasons to Get a Car Insurance Quote: Are you wondering if it is time to start shopping for car insurance? Knowing when it is time to start looking for a new insurance carrier is half the battle. Learn the top five reasons people get car insurance quotes.
  • How to Compare Insurance Quotes: It is time to get educated about car insurance. It could save you lots of money! Take a look at how to accurately compare car insurance quotes. The better you understand the quote, the better you will be at selecting the best car insurance policy for you and your family.

20
Feb 14

How to Get a Home Owners Insurance Quote

Purchasing a home is a huge step and can be a stressful process. Your overall stress can be reduced by researching ahead of time. It can save you a whole lot of hassle if you learn about home insurance coverage and the information you will need to get a quote. Get a grasp on the quote process and get some great tips along the way.

What info you need for a home quote:

  • Names, Current Address, Birth dates, and Social Security Numbers of the Home Owner’s
  • What is the address of home to be insured?
  • What year was the home built?
  • Is it a one or two story home?
  • Does the home have a full or partial basement? Is the basement finished?
  • What is the square footage of home?
  • Type of siding?
  • How many bathrooms?
  • Is the garage attached or detached?
  • Does the home have a deck? What is the square footage?
  • Is there a fireplace or wood burning stove?
  • Do you want to schedule any items such as jewlery?
  • How much liability coverage do you want?
  • What deductible are you interested in?

How to Get a Home QuoteThese are the basic questions used to determine the replacement cost of your home. More questions will be asked to complete the application if you choose to purchase the policy. You can find most of this information on the Realtor listing of the home if it is a new purchase. Probably the most important question is the square footage of the home. It is also the most often unknown information. It is important to be as accurate as possible to ensure your home replacement cost is calculated properly. Image: Vichaya Kiatying-Angsulee / FreeDigitalPhotos.net

Standard Home Insurance Coverage

Section 1

  • Coverage A – Dwelling Protection This is the amount the home structure itself is insured for.
  • Coverage B – Other Structures Protection This coverage is automatic whether you have a detached building or not. It is there for future use and includes coverage for fencing.
  • Coverage C – Personal Property Protection All of your contents fall here. It includes contents in detached buildings. It also extends to items off your home premises up to a certain percentage of coverage.
  • Coverage D – Loss of Use Protection Can’t live in your home due to a claim? This coverage will put you up in a hotel or other living arrangement until your home is back to normal. Many policies offer an unlimited dollar amount up to 12 months, but some use a percentage or fixed dollar amount.

Section 2

  • Personal Liability – Each Occurrence This coverage is only good for people injured on your property who do not live in your household. Personal liability can payout for things like dog bites and slip and fall accidents.
  • Medical Payments to Others This coverage comes in handy for minor accidents which occur on your property. It is also only available to people who do not live in the household. Medical payments payout before personal liability. This coverage is intended to reduce personal liability claims.

Other things to consider when getting a home owners insurance quote:

  • Deductible: It is up to you to choose your deductible. The most important thing about choosing a deductible is remembering what it is so you can plan for it. Michigan home insurance policies often offer deductibles in increments of $500 or sometimes even $250. Most policies nowadays start at $500 and some have even increased to $1000. Just remember, the higher your deductible, the lower your insurance cost.
  • Other Coverage: Ask about other coverage including backup of sewer and or sump pump, increasing jewelry or firearm coverage, and identity theft coverage. Many home insurance policies can vary on other specific coverage such as trees falling on your property and food spoilage. Ask about these types of coverage. Some might be included in your home owner’s policy package and some may need to be added on if you want it.

Hopefully you will have an experienced insurance agent to guide you through the home owner’s insurance quote process. If this is your first home purchase, there is a lot you are going to need to learn. Home insurance is not something you want to be passive about. Spending a little extra time now to go over everything regarding protecting your home, can save you big time in the future. The more you know about your policy, the more likely you are to be covered properly.

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04
Sep 13

What Do I Need to Get Car Insurance?

Knowing what you need to get car insurance is a good start to purchasing a policy. Getting car insurance is not all that difficult if you do a little planning in advance. Get your insurance information in order before you start making calls for insurance quotes. The more organized you are, the less hassle getting car insurance will be.

Licensed drivers are required for car insurance. Normally, the vehicle owner is also one of the drivers. Some insurance carriers will allow a person to insure a vehicle they do not own. It really depends on the insurance carrier. Preferred insurance carriers typically require the person who insures a vehicle to own it.

Start with all drivers’ basic information:

  • Name
  • Birth Date
  • Address
  • Driver’s License Number
  • Driving Record

Know your vehicle. Get the information before contacting an insurance agent for a quote. Do not be that person who refers to their vehicle as a red car. Find your vehicle info on your title if you are unsure of the details.

Know the basic information about the vehicles you want to insure:

  • Year
  • Make
  • Model
  • VIN for accuracy (optional)

If you have prior car insurance you will need to know a little about your current policy.

Prior insurance information:

  • Limits of Liability
  • Effective Dates

Suggested Reading


01
Sep 13

Do I Need Car Insurance to Buy a Car?

Generally speaking, you should have car insurance in place before you actually buy a car. As it is with almost all insurance matters there are some exceptions. Understanding the rules when it comes to making a new car purchase will ensure you do not break any laws. Take a look at some circumstances when you do and do not need to have car insurance in place to buy a car.

When Do I Need Car Insurance

  • Buying a Car from a Dealer

    Buying a car from a dealer is the number one time when you will need car insurance to buy a car. Most car dealers will not allow you to drive off the lot without a copy of your proof of insurance. Many car salesmen will actually call your insurance company and add the vehicle to your policy on your behalf. It can be helpful, but you ought to verify the coverage is listed the way you want it and any other changes are made properly. If you pay cash, the dealer may not verify your insurance, but it is certainly still a good idea.

  • Buying a Car from an Individual

    Buying a car from an individual means you are on your own. It is your responsibility to get the vehicle insured as soon as possible.

  • When is it ok to delay insuring a newly purchased vehicle?

    • Antique / Not Driveable
    • Your current insurance policy offers automatic 30 days of coverage for newly purchased vehicles

    An antique or a vehicle which cannot be driven does not need to be insured if towed and stored in a garage. Of course that means you will not have any coverage if any damage occurs to the vehicle while towed or stored. Homeowner’s insurance policies never cover automobiles in Michigan.

    Most preferred insurance carriers offer 30 days of automatic coverage for a newly purchased vehicle. The coverage extended is that of which vehicle has the most coverage currently on your policy. Meaning if you only have liability coverage on your current policy, that is all that will be extended to your new purchase. Plus, you could still have a difficult time filing a claim on a vehicle which has not yet been added to your policy. Proof of purchase will need to be supplied and delays are possible. It is definitely recommended to ask your insurance agent about any kind of automatic coverage. Never assume anything when it comes to car insurance.

    To legally drive in Michigan, the state minimum coverage is required on all vehicles. To get a vehicle titled proof of insurance is required. Get the vehicle identification number of the vehicle you are purchasing and call your insurance agent. Let them know you are in the process of purchasing the vehicle. If the deal falls through, notify your agent and the vehicle can be removed as if it never happened. Add car insurance when buying a car as soon as possible to ensure you are protected in case of a loss.

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22
Jul 13

Do I Need Comprehensive Coverage in MI?

A lot can happen to your car in the state of Michigan. Comprehensive coverage can really come in handy on almost any vehicle. Most operating autos are at least worth a windshield replacement and replacing a windshield can get expensive. Comprehensive coverage is a great coverage to have because it covers so many different causes of physical damage. Here are some things to consider if you are trying to determine if you need comprehensive coverage in Michigan.

1. Comprehensive coverage is not a state requirement. You only need comprehensive if it is required by your lender. Tip: Most all lenders require comprehensive and collision coverage at all times.

2. Comprehensive is a required coverage if you want collision coverage.

3. Comprehensive covers anything other than a collision and that is a lot!

4. What is your likelihood of damage? Do you seem to hit a deer every year? Are you constantly getting chips in your windshield from driving on the highway daily? Do you park outside where your car is susceptible to storm damage? All of these things put you at a higher risk of needing comprehensive coverage.

5. What is the cost of comprehensive coverage? Comprehensive tends to be a relatively inexpensive expense on your car insurance policy. Of course, it does vary depending on your driving risk. Get a quote on the cost of comprehensive from your insurance agent.

6. What is the value of your vehicle? One of the perks of driving an old beater car is you get to drop your car insurance down to minimum coverage. Consider keeping comprehensive coverage on your vehicle if paying the low monthly rate is easier for you than coming up with the cash to replace the windshield on your own. Keep in mind though comprehensive usually comes with a deductible. You do not want to have a $500 deductible on a vehicle which is only worth $500.

7. Insurance carriers typically require photos of the vehicle if it is over 20 years old and you want comprehensive coverage. Insurance carriers do this to protect themselves against insuring a vehicle with prior damage. Any damage sustained to the vehicle before the coverage is purchased is not covered.

I would encourage most Michigan residents to keep comprehensive coverage on their vehicles especially in the fall months. Deer are plentiful and can cause a lot of damage. A good threshold to keep in mind is if your vehicle is valued over $3000 it is probably worth keeping comprehensive coverage on, especially if you are a good driver. Young drivers and drivers with bad driving records would benefit more to go without comprehensive coverage.

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