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What to Do If You Are Ineligible for Auto Insurance

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If you’re a Michigan driver, state law requires you to carry car insurance. If you live near West Bloomfield, MI, our team at Agency Advantage Insurance is here to help you explore your insurance options. We’ve been assisting drivers like you since 2007.

What to Do If You Are Ineligible for Auto Insurance

Michigan law mandates that all drivers must have auto insurance. However, some drivers may find themselves ineligible for traditional insurance due to multiple traffic violations or being involved in several at-fault accidents. If this describes your situation, you’ll need to find an alternative way to obtain coverage. According to the Michigan Department of Insurance and Financial Services, the Michigan Automobile Insurance Placement Facility (MAIPF) provides an alternative solution for drivers who cannot secure insurance through standard channels.

The insurance plans offered through MAIPF provide mandatory coverage levels required by law. Additionally, every insurance carrier participating in the program charges the same premium rate. Once you apply for insurance through a participating carrier, you may receive a “binder,” which serves as proof of coverage while you wait for your official policy documents.

Call Us for an Appointment Today

Our team consists of independent agents, which means we offer a wide range of insurance policy options tailored to your needs. At Agency Advantage Insurance, we are committed to providing exceptional customer service. Drivers in the West Bloomfield, MI, area trust us for reliable support and guidance. Call us today to schedule an appointment, and let’s discuss your insurance needs.

New Home? Here’s What Coverage to Consider

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Moving into a new home is an exciting milestone, but it’s important not to let that excitement overshadow the need for proper protection. If you’re in the West Bloomfield, MI area and searching for homeowners insurance, Agency Advantage Insurance is here to assist you. We offer a variety of policy options and coverage choices from multiple insurers committed to providing quality protection. Here’s what to consider when selecting your coverage.

The Basics of Homeowners Insurance

Most homeowners’ insurance policies cover the essentials, and they tend to be similar in scope. If you have a mortgage on your new home, your lender will require you to have coverage to protect their investment in the event of a loss. While these policies generally cover the same types of risks, it’s still important to work with us to find the right fit for your specific needs.

Flooding and Natural Disasters

Even if you don’t live in a flood zone or an area prone to hurricanes, wildfires, or other severe weather events, you may still want to consider coverage for these risks. Our agents can assess the risk levels associated with your home and help you choose additional coverage options to provide extra protection.

Consider Updates and Changes

Whenever you make significant changes to your home, it’s essential to update your insurance policy. Whether you’re installing a pool, expanding your garage, or adding valuable items like a grand piano, contacting us to discuss potential policy adjustments is the smart choice.

Let Us Help You Find the Right Policy Today

Contact us at Agency Advantage Insurance today if you’re in the West Bloomfield, MI area and need homeowners insurance. We’ll help you find a policy that offers the protection and peace of mind you deserve.

Can You Get Classic Car Insurance On Imported Cars?

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Imported cars often present unique challenges when it comes to registration and car insurance, especially since they are frequently considered collector’s items. Many imported vehicles have specifications that differ from standard vehicles commonly seen in America. Collector car owners often wonder whether they can obtain classic car insurance for their imported cars.

Classic Car Insurance

To qualify for classic car insurance, vehicles—including imported cars—must meet specific criteria. Generally, the car must be at least 25 years old and cannot be used as a daily driver.

Many insurance companies impose mileage limitations to ensure that classic cars are only used for activities such as car shows or club events, thereby protecting the vehicle’s value. If you exceed the mileage limit, even if your car meets the age requirement, the insurance company may refuse to provide classic car insurance.

Additionally, some companies in West Bloomfield, MI, require proof of secure storage to protect the vehicle from risks such as hail damage. These requirements vary by insurer, and some companies may consider a car classic if it is 20 years old or older. To determine if your car qualifies for classic car insurance, speak with a professional at Agency Advantage Insurance.

Imported Cars

Insuring imported cars often involves a similar process to insuring classic domestic vehicles. Owners must provide proof of registration and, typically, a vehicle identification number (VIN). Insurance companies often insure cars for an agreed-upon value. However, some insurers may refuse to cover high-value vehicles.

We understand that finding the right insurance for your imported cars can be challenging. Agents at Agency Advantage Insurance are here to guide you through the process. Contact us today to discuss your next insurance policy. We proudly serve the West Bloomfield, MI area.

Is My Motorcycle Covered When Parked?

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Your motorcycle isn’t just vulnerable to potential hazards on the road. While most motorcycle enthusiasts purchase motorcycle insurance because it’s legally required and because they’re concerned about serious dangers that could affect them or their bikes while riding, they’re also likely aware of the various risks surrounding their motorcycles while they’re stationary. Vehicles and people could easily scratch the body, knock it over, or otherwise potentially cause significant damage to it. This raises the question: Does motorcycle insurance cover stationary bikes? Here’s what the average motorcycle insurance policy covers and what to expect when you start exploring policies with the support of us at Agency Advantage Insurance in West Bloomfield, MI.

Does Motorcycle Insurance Cover Stationary Motorcycles?

The good news? Yes! Motorcycle insurance does cover stationary motorcycles. Much like cars, motorcycles are susceptible to a wide range of issues while they’re parked. Someone could collide with your vehicle and cause irreparable damage, someone (or even natural causes) could topple it over, and it could get deeply scratched or face other damage from falling branches or extreme weather. Your motorcycle insurance policy will provide coverage should any of these incidents occur. If you’re the type to store it inside, remember that hazards exist there, too. Purchasing an insurance policy or insurance policy add-ons that cover your bike while it’s stored away can enhance your motorcycle ownership experience.

Ensure Your Motorcycle is Adequately Covered With Agency Advantage Insurance

We understand how costly it can be to repair or replace a motorcycle. The team here at Agency Advantage Insurance in West Bloomfield, MI helps you keep your bike protected by simplifying the process of shopping for motorcycle insurance policies. Compare quotes with us now, or contact us today if you have any questions!

Who Benefits From Umbrella Insurance? Should I Get It?

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If you’re a homeowner or car owner, you might have heard that umbrella insurance could benefit you. Understanding umbrella insurance and how it can protect you is crucial.

At Agency Advantage Insurance, serving West Bloomfield, MI, we can help consumers find the insurance policy that best suits their needs. If you have questions about umbrella insurance, we’re here to provide answers! We’re committed to helping you find the right policy for your requirements.

Defining Umbrella Insurance

Umbrella insurance is a unique liability insurance policy that can extend your home or car insurance coverage. It provides an extra layer of protection by exceeding the liability insurance limit offered in your home or car insurance policy.

To obtain umbrella insurance, you must first have a home, car, or watercraft insurance policy. Once you have one of these policies, the umbrella insurance policy will offer extended coverage.

Who Requires Umbrella Insurance?

If your assets exceed the liability limits on your home, auto, or watercraft insurance policy, you might benefit from umbrella insurance. Your insurance agent can assist you in determining if this type of insurance is suitable for you.

How to Determine If You Need Umbrella Insurance

The more you understand about umbrella insurance, the easier it becomes to decide whether this type of insurance is right for you. The professionals at Agency Advantage Insurance, serving West Bloomfield, MI, are here to help.

Contact us today to speak with one of our insurance professionals. We can answer your questions about umbrella insurance. We also collaborate with numerous insurance carriers to provide our customers with options. We’re here to assist you! Speak with one of our insurance professionals today to learn more.

Making the Most Out of Your Health Insurance Coverage

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At Agency Advantage Insurance, we strive to ensure that our policyholders understand the benefits of their health insurance. By choosing wisely when buying health coverage, you can ensure that your insurance covers your West Bloomfield, MI, gym membership, Weight Watchers, or Jenny Craig membership fees.

Understanding Health and Wellness Coverage

According to Fox Business, the insurance industry has recognized the value of keeping people healthy instead of paying for illnesses. Many plans now include a health and wellness section that covers premium items like gym memberships, nutritionists, health coaches, and weight loss programs. Some insurance plans also include counseling for non-medical factors that increase stress, such as finances and marital issues.

Identifying a Great Deal

As tedious as it might sound, read the policy documents when shopping for health insurance. The policy with a few more dollars in premiums each month might offer far more benefits that promote wellness. If you already have health insurance, read your policy. That’s how you’ll know whether it’s time to upgrade your health coverage, an activity that can save a person money in the long run.

Getting Assistance from Your Agent

It’s your insurance agent’s job to know what each policy offers, so meet with your agent to discuss your coverage needs. Mention any hereditary diseases or chronic issues that run in your family. This information helps your agent at Agency Advantage Insurance find the right policy for you. For instance, if diabetes runs in your family history, mention that so your agent can help you find a policy with a health and wellness component that lets you improve your health. It might include coverage for a West Bloomfield, MI, nutritionist, or meal planner.

Contact Us Today

Let us help you get the most out of your health insurance coverage. Call or email our office today for a health insurance review.

The Difference Between Comprehensive and Collision Coverage Explained

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At Agency Advantage Insurance, we aim to ensure you have the right coverage for your needs, and we also strive to help you understand insurance. If you’re in the West Bloomfield, MI area, reaching out to us is a smart choice for enhancing your auto insurance knowledge. Here’s what you need to know about comprehensive and collision coverage.

Understanding Comprehensive Coverage

Comprehensive coverage helps protect you from claims such as fire and theft. Most policies also include coverage for glass breakage under comprehensive limits. If you have a lien on your vehicle, you may be required to have this coverage, but it’s beneficial to have it even if you own your vehicle outright. Not only does it protect you from claims, but it also provides additional peace of mind.

The Role of Collision Coverage

Another type of auto coverage is collision, which covers exactly what its name suggests. If your vehicle collides with another vehicle or a stationary object, this part of your policy can be used to repair your car. Having this coverage is an excellent way to feel more confident behind the wheel, knowing that your insurance company will be able to assist you in the event of a claim.

Our Agents Are Here to Assist with Your Policy Needs

Contact us today at Agency Advantage Insurance if you’re in the West Bloomfield, MI area and looking for auto insurance. Whether you want to update your current policy, explore options for a new one, or have questions, our agents are here to help you. Insuring a vehicle doesn’t have to be complicated when you have the right people on your side. Let us guide you through the options so you can choose what meets your needs.

Options For Insuring A Home-Based Business

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Understanding Insurance Needs for Home-Based Businesses

In recent years, the line between work and home has blurred for many people as they increasingly work full—or part-time from home or run various home-based businesses. These changes necessitate recognizing that the typical home insurance policy offers limited coverage for business assets, so many home-based businesses need commercial insurance coverage. If you live in the West Bloomfield, MI, area, consider allowing the Agency Advantage Insurance team to create your home and business insurance plan.

Home Insurance and Working from Home

Most home-based businesses rely on office electronics, furniture, tools, and supplies. Others carry inventories or other assets. As the value of your business grows, the protection provided by commercial insurance becomes increasingly important.

Home insurance policies protect personal assets; most offer only $2,500 in business asset coverage. Without some form of commercial insurance, business assets exceeding the $2,500 limit are effectively uninsured.

Small home businesses with few assets can supplement their home policy with a business property endorsement, which commonly doubles the coverage to $5,000. Businesses with more assets should acquire a separate commercial policy and may also need professional or business liability insurance.

In-home business insurance meets the needs of many companies with less than $250,000 in revenue. Policies can include property, liability, and other commercial insurance elements businesses need.

A Business Owner’s Policy (BOP) applies to businesses with $250,000 or more in revenue. It combines the core elements of sophisticated commercial insurance policies and can include Workers’ Compensation and liability coverage.

Working with Agency Advantage Insurance

The Agency Advantage Insurance team serves homeowners and businesses in the West Bloomfield, MI, area. Let us create an insurance plan for you by calling (248) 855-9090 to schedule an appointment or stopping by the office today.

Protecting Your Classic Car Investment

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Classic cars can make for great investments, and they’re especially popular in Michigan, the home of America’s automobile manufacturing industry. If you have a classic ride, ensuring your vehicle is well-protected is important. Otherwise, it could end up damaged, reducing its value and perhaps causing personal anguish. The right classic car insurance plan will protect your investment, and you can take many other steps. If you’d like to explore car insurance policies in West Bloomfield, MI, get in touch with Agency Advantage Insurance.

Ensuring Your Investment is Safe

Firstly, you want to limit exposure to the weather, especially in Michigan, where the ware rather harsh. A garage is the best choice, but not everyone has access to one. If not, even a heavy tarp can provide some protection. UV radiation from the sun alone can cause a lot of damage, so keep your vehicle wrapped up as much as possible.

Some folks like to put a fair number of miles on their classic car. Enjoying your ride can enrich your life, but check the weather before heading out for a drive. You’ll want to avoid driving in the rain. Driving your classic car in the winter is also a bad idea. Not only could the roads be slick, but salt can do a lot of damage, especially to classic cars.

Many classic cars lack modern security systems. Steering wheel locks and other measures can help discourage criminals, however. Make sure you’re not lax about using such measures. Motion sensor lights in your driveway and around your property can also discourage criminals. Otherwise, criminals will be more likely to target your vehicle.

Of course, no matter the measures you take, you should ensure you’re adequately insured. Agency Advantage Insurance is here for you if you’re looking for classic car insurance providers serving West Bloomfield, MI.

How Different Riding Styles Affect Your Insurance Coverage: Touring vs Sport vs Cruiser

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When it comes to motorcycle insurance, understanding how your riding style influences your coverage is crucial. At Agency Advantage Insurance in West Bloomfield, MI, we’re here to guide you through the nuances of insuring different types of bikes—whether you’re touring the countryside, speeding on a sports bike, or cruising down the boulevard.

Touring Bikes: The Long-Haul Companion

Touring motorcycles are built for comfort and long-distance travel. They’re often equipped with advanced safety features and larger frames, which can lead to lower insurance premiums due to their stability and the typically cautious nature of their riders. However, the increased value of these bikes might require higher coverage limits to protect your investment fully.

Sport Bikes: Speed and Agility

Sport bikes are designed for speed and performance. While they offer thrilling rides, they also come with higher insurance premiums due to their increased risk of accidents and theft. Riders tend to be younger and more adventurous, which can also affect rates. Considering comprehensive coverage to protect against potential damages or losses is essential.

Cruisers: Style and Relaxation

Cruisers, known for their classic designs and relaxed riding style, often fall between touring and sport bikes regarding insurance costs. These bikes are generally cheaper to insure than sport bikes but might have higher premiums than touring models. The leisurely pace and mature rider demographic usually translate to fewer claims, benefiting your insurance rates.

Call Us For a Motorcycle Insurance Estimate Today

Choosing the right motorcycle and understanding its impact on your insurance is vital. At Agency Advantage Insurance in West Bloomfield, MI, we specialize in tailoring policies to fit your unique riding style. Contact us today to ensure you’re fully covered.