#car insurance in South Lyon and Ann Arbor

[follmerinsuranceservicesinc]

Tips To Buy Car Insurance in South Lyon and Ann Arbor, MI

Buying a car for self-use or use by a family member is a reason to celebrate. It is equally important to consider the other to-dos on the list before driving. Buying the basic coverage related to car insurance in South Lyon and Ann Arbor, MI, is necessary in almost all states nationwide. Failing to do so will increase the risks of accidents and damage to the automobile, and the driver and owner may be severely penalized, too.

Another thing to keep in mind is that sticking with basic coverage is not enough to save on insurance. Giving up on some of the severe coverage can be foolhardy. The auto owner is likely to pay hugely for the vehicle's repair and medical treatment of the other car involved in the accident.

All is not lost, however. On the contrary, checking the available information and comparing rates of at least three carriers can help one to arrive at the right decision. Shopping for auto insurance needs to be meticulous, too. The auto owner would be well advised to do the following before signing the dotted line:

Information

It is essential to have the required information handy with supporting documents when applying for auto insurance. Most carriers ask for the following without fail. It would thus save time to be prepared by providing the following information as needed:  -

· Personal information such as name, birth date, and address

· Vehicle details, including the vehicle identification number (VIN), make, model, year, mileage, and safety features

· Driving history related to the driving record for the last 3-5 years with information provided about tickets and at-fault accidents

· Present insurance information that includes the name of the carrier, coverage levels, and birth dates of people listed on the policy

· Additional information on the driver's license number and names of people who would be using the car

Extent of Coverage

The basic coverage includes liability for at-fault accidents, medical expenses, and property damage to the people in the other car. Only basic insurance will not suffice to eliminate the financial risks in the aftermath of an accident. It is essential to consider buying the following coverage once the automobile is ready to be driven: -

· Liability insurance

· Collision insurance

· Comprehensive insurance

· Underinsured/uninsured motorist coverage

· Medical payments coverage (MedPay)

· Personal injury protection (PIP insurance)

It would not be wise to pick the minimal coverage, though. The lender may insist on complete insurance coverage to release the funds

Apart from comparing the quotes and going with an affordable policy, the auto owner can hope to keep the costs down by doing the following: -

· Inquiring about discounts

· Bundling of auto and homeowners' insurance when possible

· Buying insurance for multiple vehicles from the same insurance company

· Paying an annual premium or a six-monthly premium at once

· Having multiple safety features installed in the automobile

Buying the right homeowners' insurance in Ann Arbor and Howell, MI, can help protect the most significant asset during times of distress, especially in the wake of natural disasters.

[follmerinsuranceservicesinc]

Follmer Insurance Services offers personalized homeowners insurance in Ann Arbor and Howell, MI, and affordable car insurance in South Lyon and Ann Arbor, MI. Protect your assets with our expert solutions.

[follmerinsuranceservicesinc]

Follmer Insurance Services, Inc. offers a wide variety of business insurance products, including professional liability, property, auto, and more. We also offer coverages suited to fit your budget.