Four considerations when you purchase auto insurance

There are quite a few different considerations you’ll need to consider when purchasing auto insurance. At Agency Advantage Insurance, we can help you address this when trying to find a policy to meet your needs as a driver in West Bloomfield, MI. 

The following are four considerations you need to make when you want to purchase auto insurance. 

How much do you want your deductible to be?

Auto insurance providers will typically give you a few deductible options to choose from. If your priority is getting lower premiums, you should choose a higher deductible option. If your priority is minimizing costs when you have to file a claim, you should choose a lower deductible option. 

What types of coverage do you purchase?

The three main types of insurance coverage are liability, collision, and comprehensive coverage. While you will be required to have liability insurance in Michigan, you can add collision and comprehensive coverage to your policy. 

How high do you want your liability coverage limits to be?

In Michigan, you’ll need to purchase at least $40,000 in injury coverage per accident and $10,000 in property damage coverage for out-of-state accidents. You can go beyond these limits to enjoy more financial protection.  

Do you need to have additional drivers covered?

You will need to notify your auto insurance provider if anyone else, such as your spouse, son, or daughter, is regularly driving a vehicle you’re insuring. 

Call us or explore our website for more information about auto insurance from Agency Advantage Insurance. We’re here for West Bloomfield, MI motorists looking for insurance coverage to protect their finances and give them peace of mind when they’re behind the wheel.