Getting the Most Out of Your Health Insurance

Some people believe health insurance is an unnecessary expense if they’re healthy, but a health insurance policy could help you in the long run. It may cover more than you initially thought it does. In fact, Agency Advantage Insurance, serving West Bloomfield, MI, and the surrounding region, wants you to know that a health insurance policy may do more than just keep you compliant with current federal laws. 

Routine Exam 

If you don’t currently have insurance, you probably skip out on routine examinations because they’re just an extra expense, especially if you’re not experiencing any issues. Even though you may feel healthy, issues could be occurring that you don’t notice symptoms of until something significant happens. However, when you have insurance, you can go to the doctor’s for routine health screenings to detect problems early enough for intervention, possibly preventing a complication from happening. 

Vaccinations

Vaccinations are often a part of your health you don’t consider, especially if you don’t have any health coverage. However, even as an adult, vaccinations are important. Getting a flu shot can stop you from getting seriously ill and potentially landing in the hospital. The flu can even become deadly. Healthy individuals over the age of 50 may want to get the shingles vaccines. While shingles aren’t deadly, it causes pain and unsightly blisters. 

Prevent Issues in the Future 

If you’re healthy now, you want to prevent issues in the future so that you can remain healthy for as long as possible. Having insurance that covers at least part of doctor’s visits means you’re more likely to work with your physician to optimize your health. 

Contact Agency Advantage Insurance, serving West Bloomfield, MI and the nearby area, to discuss the ideal health insurance policy for you by calling 248-855-9090.

What’s Different About Your Classic Auto Insurance Policy?

Believe It Or Not, The Agency Makes All The Difference

At Agency Advantage Insurance in West Bloomfield, MI, we believe that the insurance agency you choose makes a tremendous difference in your experience. That’s why we hope you will take advantage of the quality you receive at our agency. We are the experts when it comes to the comprehensive yet flexible insurance needs that involve your classic automobile. 

Important Points To Consider

  • How often you drive your classic car – Bottom line, this is one of the most important factors in determining your insurance rate. This is also why it is so important that you speak with a professional who is knowledgeable about classic automobiles. We have the advantage. You want to have flexibility and how often you drive your classic car. You don’t want mileage constraints because you usually drive your classic car when the mood strikes or for special occasions. 
  • Where your classic car is stored – generally speaking, you don’t drive your classic car every day, so it is usually under lock and key somewhere. Because the car is very valuable both to you personally and also in monetary terms, where it is kept is critical in protecting your investment. 

These aspects are crucial considerations to ponder as it regards the type of insurance you require. The fact that you don’t drive the automobile every single day would dictate that you probably would not pay the same insurance rate as you pay for your regular everyday automobile. Let us help you weigh all of the factors involved. 

Contact any one of our caring staffers today at Agency Advantage Insurance. We serve the West Bloomfield, MI area as well as the surrounding areas. Take advantage and start getting the best mileage out of your classic car insurance policy today. 

 

Is Motorcycle Insurance Required?

For people in the West Bloomfield, MI area, spending an afternoon on a motorcycle can be a great way to enjoy the great outdoors. When you are looking to purchase a motorcycle, it is also vital that you consider your insurance needs. Similar to when you are buying a car, there are several situations in which motorcycle insurance will be required for you.

State Requirements

When you are operating a motorcycle in Michigan, you will need to comply with the state minimum insurance requirements. Michigan requires that you carry $10,000 of property damage liability insurance at all times. You also need to carry bodily injury liability coverage of at least $40,000 per incident with a $20,000 per person coverage policy. Anything less than this, and you will violate the law.

Lender Requirements

Another situation in which you will be required to carry motorcycle insurance is if you have a loan on your motorcycle. Many people today take out a loan to finance the purchase of their motorcycle. As long as the loan is outstanding, your lender will undoubtedly require that you carry a collision and comprehensive insurance policy. This will ensure they are covered if your motorcycle is damaged or stolen. 

Due to motorcycle insurance requirements that are in place for operators in the West Bloomfield, MI area, it would be a good idea to meet with a professional insurance agency when you are looking to get a new policy. Agency Advantage Insurance will be able to help you make sure that you get the right insurance in place for your situation. Agency Advantage Insurance will be able to do this by carefully reviewing your particular situation to figure out what type of policy and level of coverage is right for you. Reach out to our agents for a quote and to have your questions answered.

What is Umbrella Insurance and Do I Need it?

You may have heard about an umbrella insurance policy but are unsure what this type of insurance does, and what it covers. An umbrella policy is additional liability insurance- which means it is a backup to a general insurance policy. If you live in West Bloomfield, MI and have questions about purchasing an umbrella insurance policy, Agency Advantage Insurance can help. 

What Does an Umbrella Insurance Policy Cover?

An umbrella policy will pick up additional coverage based on coverage limitations for lawsuits and injurious claims, advertising claims, product liability, defects, and more. An umbrella policy can be purchased in addition to any general insurance policy- including homeowner policies, auto insurance policies, boat, and commercial insurance policies. It can even be applied toward rental properties that you own and rent out. 

When do I Need an Umbrella Insurance Policy?

The worst realization is to experience a loss, injury or claim and find out that it isn’t covered by your general insurance policy. Hindsight is 20/20. Thus, it is proactive to have an umbrella insurance policy to cover you. Lawsuits, liabilities, judgments and legal fees can be exorbitant and cause a company or individual to go bankrupt as a result. Umbrella policies give that added assurance that you will be able to avoid being personally liable in covering these costs. Consider situations you may not think about beforehand that an umbrella policy will cover:

  • Dog bites that cause personal injury to another
  • Personal and business lawsuits, and corresponding legal fees
  • Injuries that occur in your home, rental property, or place of business

An umbrella insurance policy provides further peace of mind toward your financial security. If you are a resident of West Bloomfield, MI or its surrounding counties, and would like to explore umbrella insurance, contact Agency Advantage Insurance today.

3 Tips for Buying Health Insurance in West Bloomfield MI

By law, everyone in the United States needs to have health insurance and that includes the residents of Bloomfield MI. But with so many options out there, do you find yourself wondering where to start? At Agency Advantage Insurance, we love to help people find the right health insurance for the right price. Here are three tips for buying health insurance in West Bloomfield, MI.

Bundle

When you bundle your insurance policies with the same company, you will get savings. For example, when you bundle your home, car, health, umbrella, and any other kind of insurance all together with one insurance company, they will pass the savings on to you.

Compare Quotes

Insurance companies want your business so they will give you the best quote they can. However, as the buyer, it is important that you compare at least two, three, or even more quotes to make sure you are getting exactly the amount of insurance coverage you want at an affordable price. A reputable insurance agent can guide you through this process by answering questions and clarifying what the coverage means compared to the cost.

Work with a Reputable Agent

To have peace of mind, you need to protect your family in the event of an injury or illness. You need to have health insurance. For this reason, it’s important to work with a reputable insurance agent; someone who is knowledgeable, experienced, and has a track record of customer satisfaction.

At Agency Advantage Insurance, our agents serve Northville and West Bloomfield, MI. We are experts in our field and are ready to help you get the right health insurance policy for you and family. Contact us today for more information and any questions you may have.  

Vintage Car Protection, Keeping Your Old Spirit on the Road

Vintage cars can be extremely hard to insure because average insurance companies don’t know how to rate their value. However, Agency Advantage Insurance can help a West Bloomfield, MI car aficionado keep their beloved vehicle on the road and protected.

Old cars that become collectibles have two things working against them in the insurance world: they are not being sold on the regular car market anymore, and few people have them. That makes it extremely hard for insurance companies just to run standard charts and metrics on a vintage car because then the value becomes far more subjective, i.e., how much does a collector want for the car in replacement value versus what it’s worth in material value. Most insurance companies won’t take the owner’s estimate for a risk value, but they will acknowledge the valuation review of a licensed appraiser. Knowing how to secure one and then getting the right paperwork to the insurance provider is key to securing a protective policy for an older car.

Given it’s proximity to the car manufacturing capital of the world (Detroit), West Bloomfield, MI is a very likely place for older cars to be found. And that’s the reason why Agency Advantage Insurance has developed expert staff who are familiar with the vintage car appraisal process and how to develop the right documentation insurance providers will be comfortable with and provide a coverage policy for. Granted, people can try to strike out on their own with online options today, but many Internet evaluations will make it clear they will not consider cars older than the 1970s.

Why go through all that trouble? If you have a vintage car that needs insurance give the folks at Agency Advantage Insurance a call today.

Who Needs Additional Motorcycle Insurance in West Bloomfield MI?

In Michigan, motorcycle insurance and car insurance basic requirements are similar. However, since the likelihood of an accident is far greater when riding a motorcycle, you’ll want to protect yourself, your passengers, and your bike in the event of a collision.

Your liability and collision policies cover other vehicles involved. So, you need to make sure that you take precautions for underinsured motorists and hit-and-run drivers. Your Agency Advantage Insurance agent in West Bloomfield, MI can help you understand the different types of motorcycle insurance available.

Michigan Mandatory Motorcycle Insurance

To meet the state’s mandatory motorcycle insurance law, you need the following types of coverage:

  • bodily injuries for other drivers in an accident you cause
  • bodily injuries for passengers in a vehicle you hit in an accident you cause
  • property damage to another vehicle in an accident you cause

Why Do You Need More Coverage?

When you are shopping around for insurance, make sure your agent knows the right questions to ask. The mandatory requirements do not cover you, your motorcycle, or passengers in an accident you didn’t cause. You can protect yourself by purchasing additional policies that do. Additional policies that protect you against uninsured or underinsured motors and hit-and-run drivers include:

  • personal injury insurance for you 
  • uninsured property damage for your motorcycle 
  • personal injury insurance for your passengers

Motorcycles aren’t protected by Michigan’s no-fault law, and if you are financing your motorcycle, the lender may require additional coverage. Contact your representative at Agency Advantage Insurance in West Bloomfield, MI today to find out more about your motorcycle insurance needs or to set up an appointment for a quote.

Umbrella Insurance: Worth The Investment?

For some people, umbrella insurance is a necessity. For others, umbrella insurance is an expense that you don’t really need to worry about. Before you call Agency Advantage Insurance, it’s worth considering which camp you fall into.

Umbrella insurance provides additional coverage beyond what you have on the policy for any individual item, your home, your car, etc. With umbrella insurance, rather than buy additional coverage for your house in West Bloomfield, MI, and then also buy additional coverage for your business, and also additional coverage for your motorcycle, you simply buy one big plan, and you can dip into that should you need to make any claims that go beyond what is covered on those individual policies.

The question then is what you stand to lose without umbrella insurance, and what you need to cover. If your boat is worth close to seven figures, but your home isn’t worth anywhere near that, then you don’t really need an umbrella policy so much as you need additional boat coverage. If you know exactly where your risks lie, then you’ll want to do a little bit of number crunching and see if additional coverage or umbrella coverage would be more cost-effective.

On the other hand, if you’re juggling a lot of valuable assets, then umbrella coverage will almost always be the smart choice, offering you a safety net no matter where your risks lie. If you want to make sure that your home, your car, and everything else has a fallback plan, and you don’t want to go through the hassle of buying additional coverage for each item individually, then you should give Agency Advantage Insurance a call right away and see what they can do for you.

Take Care Of Your Insurance Needs With A Health Insurance Policy

Everyone in the United States has a legal obligation to have health insurance. When you think that you do not need this insurance because you are young and never sick, you could become the victim of an accident or a devastating illness. Then you become everyone else’s burden. Health insurance is not only for the elderly, or those with existing illnesses, it is a responsibility for all. If you have a problem deciding what insurance plan is best for you, then you should contact the experts at the Agency Advantage Insurance in West Bloomfield, MI. They will advise you of all options available for you, with or without pre-existing issues.

Agency Advantage Insurance is not just an insurance company, but a network of different insurance providers, so there is always a policy and a plan for everyone. They will act as your advocate and will assess your risks, and give an analysis of the insurance market. The experienced agents will do all of the work, and investigative research of insurance carriers for you, but they let you make the final decision based on your needs. Agency Advantage Insurance is dedicated to rendering high-quality service to their clients. We go above and beyond the ordinary to maintain a positive relationship with customers as well as communities.

Whether you need health insurance for yourself or your family, you will find all available possibilities with Agency Advantage Insurance. It is better to have insurance and not need it for a while than to need insurance and not have it. If you live in West Bloomfield, MI, your insurance needs are in knowledgeable hands. Reach out to our agents to learn more.