Sometimes, as a driver who must have auto insurance, you debate whether it is worth the extra cost to have more than basic auto insurance. Not everyone is a good candidate for basic auto insurance. The first thing you need to know is that basic auto insurance coverage is 20/40/10. This is $20,000 for the first person injured, with a total for the entire accident of $40,000. The final $10,000 is for property damage. At Great Michigan Insurance in Marshall, MI, we provide our customers with the customized service they want and deserve.
If you have a car loan or leasing, you need to have additional insurance to protect the vehicle that the lender or lessor has an interest in. You will need to have collision and comprehensive insurance which covers the vehicle. You don’t have a choice.
If you are like most people who own a car, you use it almost every day. It is hard to imagine your life if you didn’t have it available. How would you get to work if your car was damaged and didn’t have insurance to fix it? Would you be able to afford to pay for the repair yourself? If your answer is no, you need to consider the insurance you need.
Two types of coverage protect your vehicle. Collision will take care of any damage that has been done as a result of a collision. If you are the responsible party in an accident, if you have a one-car accident or your vehicle is hit by someone who runs, you will be able to get it repaired or replaced.
Comprehensive insurance covers non-collision damage and theft. It will cover weather-related damage, vandalism, and damage to your glass.
Contact Great Michigan Insurance in Marshall, MI when you are looking for a no-obligation quote.
In the state of Michigan, every car owner is required to carry car insurance, meaning that driving without car insurance is illegal. Therefore, it is important to get a proper car insurance policy before getting on the road. If you are currently shopping for insurance but do not know how to choose it, Great Michigan Insurance serving clients in Marshall, MI, and other surrounding towns, prepared a list of things you should know about it:
What Should You Know About Car Insurance?
- There are certain factors that may affect the cost of your car insurance. They are your driving experience, your driving habits, deductibles you decided to choose, the car’s make and its model, your gender, location, and credit score.
- There is a difference between collision and comprehensive coverage. Over 68% of Americans believe that comprehensive and collision coverage is the same. Yes, they both are optional insurance, but there are some differences. Comprehensive coverage pays for the damage caused by an incident other than a road accident. It can be fire, theft, hail, flood, vandalism, and others. Collision coverage reimburses damage caused by a collision with another car or object.
- There are ways to save money on your car insurance. You can do it by raising your deductible, reducing optional insurance on your other car, taking a defensive driving course, and other methods.
Great Michigan Insurance – We Make Insurance Easy For You
Having car insurance is a must in Michigan – whether you live in Marshall, MI or any other surrounding town. Therefore, if you do not have a proper policy, it is the right time to get it. Great Michigan Insurance is ready to help you find a perfect policy that fits your needs and budget. Do not hesitate to give us a call to get more information.
The process of becoming a driver in Michigan is not always smooth. There are many steps to take and numerous paperwork to be done whether you are a young driver or a veteran. The process starts from learning, which involves going through the Driver Education System to determine if you can drive. If you are looking to be a driver in Marshall, MI, Great Michigan Insurance recommends finding an expert to take you through the process. Here is what you need to become a driver in Michigan.
A valid driving license
Driver’s license applications vary based on age. It is also different if it is your first time. The government will require you to prove your identity, lawful presence in the US, Social Security number, and residency in Michigan. You will also need to read the Michigan Driver manual and take an online practice exam. Next, you can apply for a Temporary Instruction Permit by submitting all the required documents, passing the road sign test, written test, and vision test.
Michigan law also requires you to have no-fault insurance, which pays for your medical expenses, replacement services, wage-loss benefits, and property damage. This insurance does not cover your damaged car, and it doesn’t matter who caused the accident. Basic no-fault insurance has three primary coverages—personal injury protection, property damage liability, and bodily injury liability.
Other things to keep in mind
If you add a motorcycle endorsement or commercial driver’s license, you must pass the written test, obtain the learner’s permit and pass the driving skills test. Additionally, only US citizens and residents with permanent or temporary legal presence can apply for Michigan Driver’s license.
Need help becoming a Marshall, MI driver? Our insurance experts at Great Michigan Insurance can help simplify the process for you. Feel free to call us for a chat.
If you are in the Marshall, MI area, there is a good chance that owning a car is going to be a practical necessity. When you do own a car here, there are a variety of responsibilities that you will have to protect the vehicle and yourself. One thing that you must do is take your auto insurance needs seriously. There are several reasons why you should get auto insurance when you are in this area of Michigan.
Required by Law
One reason that you will need to get insurance for your vehicle here is that it is required by law. Similar to other states, Michigan has basic auto insurance requirements that need to be met. At a minimum, you are going to need to have liability insurance. Having this coverage will ensure that you can pay for damages if you cause an accident while driving.
Beyond complying with state law, having insurance is also beneficial because it will protect your vehicle. Anyone that owns a car will have made a significant investment to own and care for it. If you want to protect this investment, you need to get proper insurance. An auto insurance policy can ensure that you can repair or replace your vehicle when it is necessary to do so.
As you are looking for auto insurance in Marshall, MI, you need to make sure that you speak with someone that can guide you and answer your questions. The team at Great Michigan Insurance can help you to understand your insurance options and how it can protect you. Great Michigan Insurance can help you build a policy that will give you the proper protection and meet your needs based on your personal situation.
Most parents have a handle on their insurance needs. But when teen drivers are involved, the questions seem a little less straightforward. Here are some things that you need to know about teen drivers and insurance from Great Michigan Insurance in Marshall, MI.
Some insurance companies require that you notify them when your teen gets a learner’s permit, while others only want to know about teens with a regular license. It never hurts to give your insurance company a call when the driver’s status in your family is about to change. You may want to do this before your teen gets a restricted license just to avoid any surprises.
Comprehensive Coverage Vs. Liability Coverage
All drivers in Michigan are required to have at least liability insurance, the type of insurance that only pays for repairs to the other party’s vehicle in case of an accident. However, some people opt for comprehensive coverage, which will repair both cars involved. Liability insurance is less expensive than comprehensive insurance. However, whether you want to pay for comprehensive coverage depends on several factors. Will your teen be driving a newer vehicle that will be costly to replace or an older model that can be less expensively replaced? How often will your teen drive? Do you have savings to replace or repair the car if they were to damage it in an accident severely? Your agent can help you determine the answers to these questions and decide which option makes sense for your family.
It’s always best to ask all of your teen driving insurance questions before your teen gets his or her license. You can avoid unpleasant or expensive surprises by knowing ahead of time what the cost will be. If you have questions about teen driver insurance, contact Great Michigan Insurance in Marshall, MI.