If you own a vehicle, you should own an auto insurance policy. Have you ever wondered how the cost of your policy is determined? There are a number of different factors that impact the cost of your auto insurance. While not all companies use the same parameters, we will help you understand what commonly determines the bottom line of your auto policy.
First, your driving record – The better your record, the lower your premiums. If you have been in accidents or had serious traffic violations, it is likely you will pay higher premiums. How much you use your car is also considered while determining the cost of your premium. The more miles you drive, the more chance for an accident. Even where you park is taken into consideration. Do you park in a secure garage? Or do you park on a street?
Other factors taken into consideration while determining your auto insurance costs are: your age, the car you drive, and the amount of auto insurance you wish to carry. Mature drivers generally have fewer accidents than beginners. The cost of your car and the amount of insurance coverage you want to carry are major factors in the cost of your policy as well.
There are many different factors that go into determining the cost of your auto insurance policy. Some factors can vary from one area or state to another. To get the best idea of the cost you will pay for auto insurance, contact our agency to request your free auto insurance quote!
Choosing the appropriate auto insurance coverage isn’t just about choosing between liability, comprehensive, collision, and full coverage. Every insurance policy is different. Many policies include coverage of situations and items in your vehicle that most policyholders don’t even realize they have. This could cause them to supplement their coverage when it is not required.
The following are three things most policyholders don’t realize are covered:
1. Pothole Damage
There is no shortage of potholes in Berville, MI. These can wreak havoc on your vehicle’s suspension and tires over time. Nobody wants to pay for the exorbitant bills that come with repairing a suspension or an axle from something as avoidable as pothole damage. Did you know collision coverage generally covers damage from running over a pothole? Be aware that the claim could increase your monthly premium.
2. Attorney Fees
If the other party sues you after an accident, your insurance could cover the costs associated with hiring a lawyer. Inform your insurance company right away if you are sued. Time is of the essence in any legal proceeding. The quicker you hire a lawyer, the better your chance of getting a favorable result.
You might need an accident if you are out of town when you get into a car accident. In many cases, your insurance policy will cover this cost. You will need to at least have comprehensive coverage if you want your lodging covered after an accident. Check your policy because each one provides a different ceiling for expenses and how long you can stay.
Mitten Heritage Fraternal Society of Insurance Is Here To Help
If you are looking for the ideal car insurance policy for your needs, contact us at Mitten Heritage Fraternal Society of Insurance for guidance. We will design the best car insurance policy for you as we have been doing in Berville, MI for years. We will also strive to keep your insurance costs within your budget.
Having a car that is running like it did when you first bought it can seem like an impossible task. But, with the right maintenance and care, you can keep your car running like brand new for years to come here in the Berville, MI area. Here are a few tips from us at Mitten Heritage Fraternal Society of Insurance for keeping your car in top shape.
Tips to keep your car running like brand new
1. Make sure to change your oil regularly
The oil in your engine helps reduce friction and keeps all parts moving smoothly. To ensure this keeps happening, make sure you’re changing your oil every 3,000-5,000 miles (or as recommended by the manufacturer).
2. Keep a close eye on fluid levels
In addition to oil, there are other important fluids that need to be maintained in order for optimal performance. This includes coolant, brake fluid, transmission fluid, power steering fluid, and windshield washer fluid. Check the levels monthly and top them off if needed.
3. Replace air filters
Replacing the air filter can help keep your engine breathing properly and prevent dust and debris from clogging up important components. It’s recommended to replace it at least once a year or more often if you drive in dusty conditions.
4. Get regular tune-ups
Scheduling regular tune-ups with a certified mechanic can save you time and energy down the line by catching small problems before they become bigger issues. This should include checking all belts, hoses, spark plugs, and ignition wires as well as checking the compression in each cylinder of the engine.
Keep Your Auto Insurance Updated
For more tips, give us at Mitten Heritage Fraternal Society of Insurance a call today. We are proud to serve the Berville, MI area and would be happy to help.
Most people take driving for granted as a right they have. But the reality is, driving is not a right, it is a privilege, and it comes with some legal requirements. It is up to you to know the law and to abide by it. At Mitten Heritage Fraternal Society of Insurance in Berville, MI we take our responsibility to our customers seriously, and we will make sure that you have the mandated auto insurance.
Documents you should always have in your vehicle
Your vehicle registration
When you own a vehicle, it is mandated that it is registered. Most states require that if you live there, you must register your vehicle in that state. Michigan offers the option to do automobile registration renewals at a self-serve station. It couldn’t be easier, you just scan your registration renewal, pay and print out your registration and license plate tab. You can renew it even without the notice by putting in other information. Vehicle renewals are paid every year.
Your auto insurance card
When you renew your auto insurance, you get a card that shows that your auto insurance premium is paid. If you get your renewal policy in the mail, the cards will be included. As a matter of fact, usually, they send you two copies. You can go to the carrier’s website and print a set of insurance cards anytime you need them.
Your driver’s license
You must always have your driver’s license to prove you have the right to drive. You don’t need to leave it in the vehicle. As a matter of fact, it should probably be in your wallet with you at all times as a form of identification.
Contact Us Today
Give our office a call at Mitten Heritage Fraternal Society of Insurance, or stop in at our office in Berville, MI to discuss your auto insurance.
Auto insurance provides financial protection in the event of an accident. Therefore, it’s important to understand car insurance and what it covers to make an informed decision. Fortunately, we are dedicated to meeting all your insurance needs at Mitten Heritage Fraternal Society of Insurance in Berville, MI. Read on for the must-know details of auto insurance.
Meeting Minimum Coverage Requirements
Liability insurance is the most basic type of auto insurance and provides “bare-bones” coverage. Most states mandate it, and it offers two types of coverage.
- Bodily injury. If the accident is your fault, this covers the costs related to injuries and the death of others.
- Property damage. This reimburses expenses associated with damage to vehicles and the property of others if you’re at fault.
Types of Auto Insurance
Besides third-party liability coverage, your options also include:
- Collision coverage. It covers costs related to damages as a result of colliding with another vehicle or object.
- Comprehensive coverage. It covers costs associated with damage to your vehicle due to theft, falling rocks, fire, vandalism, and other incidents besides collision.
More options include uninsured and underinsured motorist coverage, personal injury protection, medical payments coverage, and other insurance extras. It’s essential to speak to an experienced insurance agent to better understand how the different types of car insurance work.
Choosing the Best Auto Insurance
Picking the right car insurance depends on your unique situation. Generally speaking, there are several factors to consider to arrive at the right decision.
- First, review your state coverage requirements
- Consider the age of your car, financial situation, and driving skills
- Determine the best coverage for you
Trying to find the right auto insurance for your needs can be tricky. But it doesn’t have to be when you’ve experienced independent agents at Mitten Heritage Fraternal Society of Insurance in Berville MI, for guidance. Contact us to learn more.