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.

Insurance Where You Live

Oct 14

How to Get Your Car Insurance Ready for Winter in Michigan

Don’t let the snow sneak up on you – get both you and your car ready for another Michigan winter with these easy tips to maintain all around coverage for the long months ahead.

Is Your Car Hibernating this year?

If you plan to park your car for the winter and not drive it, you can certainly change over your insurance and remove your collision coverage. If your car is truly not going anywhere, then you can set up your policy to maintain just comprehensive coverage. It is important to talk with your agent on the specific guidelines for removing levels of coverage from your car. Plan ahead and start this process early.

The Best Car Insurance for WinterBy changing this coverage, you can save yourself some money on your policy during the months that your car isn’t on the road. However, make sure that you plan to truly keep that car tucked away safe for the winter. If you drive that car out for any reason without upgrading the policy, you can put yourself at significant risk if you have an accident.

Changing or reducing coverage is a much smarter move than allowing the policy to lapse. A lapse in coverage can cause damage to your rates over time, which can reduce the chances of benefits and bonuses offered for customers with consistent insurance coverage. Don’t allow yourself to fall into that trap, make sure you plan for the seasonal changes.

A Car Braving the Winter Needs Special Attention

Just like you, your car needs to be prepared for the winter weather. A lot of the time that starts with having the right coverage on your car insurance policy. Remember even if you are the best winter driver of all time, you cannot assume the other drivers on the road are too. Protecting yourself with insurance is a good way to avoid winter weather financial travesties.

Great Winter Car Insurance Coverage Options

Broad Collision – If you currently have no collision or standard collision, broad collision would be a great upgrade for the winter months. Broad collision makes it so Michigan drivers do not pay the deductible when they are not at-fault. This protects you from paying out of pocket expenses when a careless or out of control vehicle hits your vehicle.

Roadside Assistance – Lots of Michigan residents have been there at some point in time, stuck on the side of the road in blizzard like conditions. Save yourself some money by adding on this usually very inexpensive coverage for the winter months.

Car Rental – Would you be hurting if your vehicle is in the shop for repairs? If you do not have an alternate vehicle, car rental coverage can save the day after a car accident.

Accident Forgiveness – Let’s face it, it can happen to any of us. Sliding on ice and hitting another vehicle or guard rail can seriously raise your insurance rate. Consider adding accident forgiveness to avoid steep insurance rate hikes this winter.

Before you head out this winter, check in with your agent to make sure you have the right coverage for your winter driving. Sometimes changes in driving patterns can mean that you need to change the way you are covered. Any time that you change jobs start school, add a new driver in your household, or the season changes it is a good idea to check in with your insurance agent to make sure that you are covered from hood to bumper.

Michigan Winters need Preparation

Whether it is the mental preparation of surviving another winter, or the preparation that it takes to ensure that you will be able to get to go where you need to go this winter, do not let the winter weather catch you by surprise; plan ahead with your agent by doing a winter weather “check-up” on your policy.

Checking in with your local agent to make sure that you have what you need to make it a great winter for both you and your car is the perfect way to welcome in the new season.

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Is Home Insurance Required? Penalties for No Car Insurance In Michigan No License, No Problem

Aug 14

7 Tips for Getting Car Insurance after a DUI

Just the sheer humiliation of getting a DUI conviction may seem like the worst thing, but it is far from over at that point. The cost of time and money in paying fines, doing community service and the suspension of your driving privileges can pale in comparison to both finding and being able to afford car insurance again. It can haunt you for up to three years after a conviction.

There are a few things you can do to prepare yourself for the journey and make getting car insurance after a DUI possible.

  1. Understand there is no overnight cure. It may be a struggle to complete all of the demands of the court and locate a car insurance company that is willing to insure you after the conviction. There will be many companies that will not cover you for at least 3 years with a clean record.
  2. Understand that the process will be expensive. High risk insurance is not cheap, no matter who you can find coverage from. The combination of insurance costs, mandatory alcohol treatment and fines can be quite costly.
  3. Fight the DUI charge. You need to get a good lawyer involved quickly, especially if there is a chance that you can get the charges dropped or reduced. The faster you can do this the chances are great that your insurance company will never even know about it. If the charges are simply reduced, it will most likely show up on your record. It is best to be honest about it unless the charges are quickly dropped.
  4. Get coverage with a nationally recognized carrier if possible. The coverage will generally be better and the rates will at least be competitive. You will be looking at a high price tag no matter who you go with, but at least you can be sure the coverage will be good.
  5. Follow through with all of the court obligations. Do not miss hearings, complete all community service and pay all fines. If you are seen as cooperative it makes it easier to get car insurance after a DUI.
  6. Know your SR-22 and make sure it fits the requirements of liability for your state. Make sure that the paperwork is done correctly and that it is accepted by your state agency. You normally have about 6 months to get this done, but that really depends on how restricted your driving is made and when you can get your privileges back.
  7. Do comparison shopping. It is not always about who is the least expensive. You want to make sure that the company will help you with the paperwork for the SR-22 and that they will do it timely. You want the best coverage, the most help and the best price in that order. It will be indicative of whether you want to stick with them once your DUI can be taken off the table and you can have normal car insurance once again.

Getting Out from Under

It may seem like a lot of work and expense to regain your driving privileges and get insurance coverage again. But if you steer clear of any more DUI’s, keep up your premium payments faithfully and follow through with your court commitments, you will be back to a sense of normalcy before you know it.

It is not a pleasant lesson to learn, but it is designed to make people feel enough financial impact and bother that the idea of drinking and driving will never cross your mind again. Just don’t do it!

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Jul 14

How to Get Insurance Without a License in Michigan

Getting car insurance without a driver’s license in Michigan might seem impossible. Getting your insurance license suspended or revoked is a difficult time. You’re always needing someone to drive you somewhere. Your car is ready to go, but your insurance dropped you because of your suspended license. Many agents may be sending you away, maybe they are even telling you it is impossible. Well, I’m here to tell you with a little persistence it is possible.

Start by approaching the right insurance companies.

No License, No ProblemIf your driver’s license has been suspended or revoked, you are a high risk driver. Insurance carriers are concerned that even though you are not supposed to be driving, you will anyways and they will be stuck covering any losses you incur. You need to look for an insurance carrier who specializes in high risk auto insurance.

Popular High-Risk Insurance Carriers in Michigan(in no specific order)

Other carriers handle high risk insurance too. Some preferred carriers like State Farm offer high risk insurance coverage too. Calling an agent who only handles high risk auto policies is going to make things easier for you. They will be very familiar with your situation and will want your business. One of the problems high risk drivers face, is that preferred insurance agents are looking for preferred drivers and often do not want to handle policies involving high risk drivers.

So, How Does It Work?

Even though you are looking to insure your car, does not mean you are going to be allowed to drive it. Obviously with a suspended or revoked license you are not allowed to drive. An insurance carrier is going to protect itself by requiring you to be an excluded driver. Excluded drivers are not covered even if they choose to drive.

Example: An excluded driver chooses to drive in an emergency situation. While driving another vehicle rear-ends the excluded driver’s vehicle. The excluded driver’s auto insurance policy will not payout any damages, even though the accident was not his fault. The policy is basically void because he was not covered under the policy.

Ok, so if you are not driving your vehicle who is? In order to get a car insurance policy, you will need a licensed driver listed on the policy. Usually a blood relative or spouse would be the first choice, someone living in your household would be the next option. You would be listed as the named insured and excluded as a driver. The primary driver would be listed as a driver on your car insurance policy.

No luck finding an agency who allows being a named insured and excluded driver? Try finding an insurance carrier who will allow your primary driver to insure your vehicle in their name. Many insurance carriers only allow the person on the title to purchase an insurance policy. However, some carriers do not make it a requirement. That is another reason to stick with insurance agents who specialize in high risk insurance. Many high risk agents are independent agents, which means they sell several different insurance carriers and will have one that will work for you.

Tried both option one and two and you’re still having problems? Last resort, title your vehicle over to the person you trust the most. They can insure it and title it back over to you once you get your license status in order.

Don’t let a couple of agents turning you away get you down. Keep looking and I’m confident you will find the coverage you need. Keeping your vehicle insured is the responsible thing to do. You do not want to add more violations like driving without insurance to your record. Remember to always be honest with your insurance agent. You really can’t hide a suspended or revoked license anyways. Lying to try and get a cheaper rate will most likely end in your claim not being paid out. Be honest about your situation, and get the policy you need to be legal and truly covered.

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