Insurance

What You Need To Know Before Choosing Classic Car Insurance

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Your classic car deserves the best, which is why you’ve begun exploring insurance options in the West Bloomfield, MI, area. If this is your first time insuring a classic car, the experts at Agency Advantage Insurance will tell you everything you need to know.

Insurance Eligibility Requirements

Michigan has specific criteria for classifying vehicles as classics. They must be at least 25 years old, and cannot be used as your primary vehicle. Further, you must use some form of storage for the vehicle, and it must be driven for exhibition, everyday, or enjoyable purposes. 

Classic Car Insurance Features

While every plan is different, there are a few features of classic car insurance that are essential for protecting your investment:

  • Restoration coverage is helpful if you’re renovating a classic car, as your vehicle should still be covered.
  • Storage coverage is essential if your classic car spends much of the year in a garage or another protected spot.
  • Spare parts coverage is especially valuable for classic cars; many of the parts are rare and older, thus making them harder to find.
  • Roadside assistance specific to classic cars is also valuable, as you can usually get out of a jam without having to pay out of pocket. 

Other Considerations 

Beyond the above factors, it helps to keep the following in mind

  • Some insurance providers will request a professional appraisal of your vehicle to determine its value. \
  • You will need full documentation for your classic car.
  • If you’re in a car club, you might be able to shave off some insurance costs, as some providers have special discounts

Our insurance agents are available to speak with you whenever you’re ready to explore coverage options for your classic vehicle. We’re currently serving West Bloomfield, MI.

Buying a Bike in the Off-Season? Insurance Tips for West Bloomfield Riders

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Winter hits, dealerships clear space, and prices on motorcycles start to drop. It’s the perfect time to buy. But while you’re admiring the chrome and calculating your payments, there’s one thing most West Bloomfield riders forget until spring: insurance.

Off-season motorcycle purchases still carry year-round risks. If you buy the bike now and wait to insure it, you’re gambling with theft, damage, and liability you didn’t plan for.

At Agency Advantage Insurance, we help West Bloomfield, MI riders lock in smart motorcycle insurance the moment they sign the title, not six months later.

Why You Still Need Insurance Even When the Bike’s Parked

You’re not riding it. It’s in the garage. No harm, right? Wrong. Here’s what can still happen before spring:

  • A fire damages your garage and the bike with it
  • A break-in leads to theft
  • You move or trailer the bike and cause damage in transit
  • A friend “just wants to try it” and crashes
  • You finance the bike, and the lender requires full coverage regardless of riding season

Your risk doesn’t vanish when the engine’s off. If it’s titled in your name, it needs protection.

What to Include in Your Off-Season Policy

Agency Advantage Insurance works with West Bloomfield, MI riders to build policies that make sense even when the bike’s not moving.

Consider coverage for:

  • Comprehensive protection to guard against theft, fire, and vandalism
  • Collision coverage if you plan to transport the bike
  • Liability coverage in case someone else touches it
  • Custom parts and equipment coverage if your bike has aftermarket upgrades
  • Lay-up options that reduce premiums during non-riding months while still keeping essential protections active

Skipping coverage now might save a few dollars, but it could cost you thousands later.

The best time to insure your bike is the day you buy it. Call Agency Advantage Insurance in West Bloomfield, MI and get motorcycle insurance that protects your ride before the road even warms up.

Unique Things Umbrella Insurance Protects Against

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At Agency Advantage Insurance in West Bloomfield, MI, we believe that feeling secure is just as important as the coverage itself. Most people understand the basics of auto and homeowners insurance, but umbrella policies are often overlooked. These policies can go far beyond the usual coverage, stepping in when things take an unexpected turn.

Protection Against Major Lawsuits

One of the most surprising things umbrella insurance covers is legal defense and settlements. If someone sues you for slander or libel, your standard insurance may not help, but umbrella insurance can. It also steps in when you’re liable for a serious accident and the costs exceed your existing auto or homeowners policy limits. In today’s world, lawsuits can be financially devastating. Having extra coverage can protect your savings, home, and future income.

Coverage for Incidents Not on Your Property

Umbrella insurance also protects you from incidents that don’t even happen at your home. For example, if your dog bites someone at the park or your child accidentally damages school property, you could be held financially responsible. These situations might seem minor, but they can add up to thousands in damages. An umbrella policy can provide coverage where your other policies stop.

Support for Uncommon Scenarios

There are also unique situations that people rarely think about. If you rent out property or serve on a nonprofit board, you could be exposed to liability. Even volunteering can sometimes lead to a claim. Umbrella insurance helps cover these less common but very real risks.

At Agency Advantage Insurance in West Bloomfield, MI, we’re here to help you understand the full value of umbrella insurance. It’s more than extra coverage; it’s protection for the unexpected.

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.

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.

What is covered by an Umbrella policy?

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An Umbrella insurance policy will cover you if you are liable for considerable damage beyond what most insurance policies will cover. For instance, if someone is injured on your property, you could be liable for medical bills and other costs that could reach millions of dollars. A slip and fall could wipe out your retirement savings. Contact Agency Advantage Insurance in West Bloomfield, MI to get a complete rundown of what an umbrella policy would cover.

Understanding Umbrella Insurance

A slip and fall is perhaps the most common reason people get sued, but there could be many other situations where you could be sued and be held liable for millions of dollars. An Umbrella policy will cover basically anything that causes significant harm to different people.

There are policies for businesses and individuals. General and professional liability are covered. Worker’s Comp, business interruptions, and cyberattacks are just a few things a business policy would cover. Landlord liability is another business-related situation where an umbrella policy could be needed.

Legal fees can also be covered under such a policy if you are taken to court. Slander and Libel cases could also result in big damages and an umbrella policy would protect you there. Automobile accidents are another big area where you could suffer significant losses if you are held liable for a serious accident.

An umbrella policy covers you if you are held liable for just about anything and is beyond regular insurance’s limits. The policies are not very expensive because they are rarely needed. If you have significant assets, it is an excellent idea to protect them with an umbrella insurance policy.

Visit or call the Agency Advantage Insurance agency today in West Bloomfield, MI, to get all your questions answered about liability coverage and a possible umbrella policy to ensure you have the protection you need.