Buying a new car is exciting. Choosing the options you want, the make and model, and of course, the color. You have your financing all lined up, and the only thing left is to get your auto insurance. A new car is unique in many ways, but there are auto insurance requirements that everyone has to meet in Michigan. At Dalessandro Agency Inc. in Grand Rapids, MI, we are your trusted independent insurance agency. We are committed to our community and our clients.
Michigan is a no-fault state and has been since 1973. You are mandated to carry no-fault overage. If you don’t, you not only won’t be covered for injuries and lost time, you may be fined up to $500 and placed in jail for up to a year or both. Why would you want to risk that? You will no be able to register your vehicle without proof that you have the required coverage. You need to have no-fault coverage, and additionally, your need residual liability coverage to protect you from the results of the exceptions to no-fault protection. These coverages are for everyone. But as a new car owner, you may have other requirements.
If you have a car loan, your lender will require that you have collision and comprehensive insurance. These protect the vehicle if you are the at-fault driver. Collision covers damage as the result of a vehicle accident. Comprehensive coverage covers events beyond your control like floods, high winds, hail, vandalism, and theft. Glass coverage is usually included with your comprehensive coverage.
You may want to consider road-side assistance converge as an add-on to your policy.
Contact Dalessandro Agency Inc. in Grand Rapids, MI for your auto insurance needs and a no-obligation quote. Let us give you the advantage of our 25 years of experience.
A bad driving record can negatively impact your insurance premiums in Michigan. However, there are things you can do to reduce your chances of getting into an accident. Contact Dalessandro Agency Inc. in Grand Rapids, MI for information on your car insurance and follow the tips below to avoid an accident.
Tips to Avoid an Accident (and Insurance Claim)
These tips can keep you and your passengers safe and help you avoid an accident.
Drive Defensively not Offensively
Teens and adults alike are usually in a hurry to get where they’re going. Rather than driving aggressively, try to follow traffic rules and stay under the speed limit. In short, focus on arriving alive and pay attention to what’s going on around you.
Wear Your Seatbelt
Wear a safety belt and ensure your passengers do too. This may not prevent an accident, but it’s an essential habit for responsible drivers.
Whatever you do in your own life is your business. However, when you get behind the wheel after a few drinks or taking drugs, it puts others at risk. It may also impact the viability of an insurance claim you file after driving under the influence.
Limit Your Passengers
New drivers should limit their passengers to avoid distractions.
Train for Driving in Bad Weather
Practice slowly on local roads or an empty parking lot during a light rain shower. This helps you understand how driving conditions change in poor weather and may prevent an accident.
Pull Over to Answer Texts and Calls
If you can’t turn your phone off, pull off to the side of the road to answer texts, or take emergency calls.
These tips and tricks may be obvious, but it’s very easy to set them aside when they aren’t convenient. Follow up with your Dalessandro Agency Inc. representative to make an appointment to get a car insurance quote in Grand Rapids, MI today.