Auto insurance is a requirement in every state. All drivers are required to carry auto liability insurance coverage. However, there are situations where drivers are required to carry more than auto liability insurance. Our team at Great Lakes State Agency is committed to helping Lansing, MI drivers understand auto insurance and get the coverage they need. 

What is full coverage auto insurance?

Full coverage auto insurance includes both collision and comprehensive insurance in addition to the state minimum required auto liability coverage. Auto liability covers damage and injuries to others when you’re found at fault for an accident. However, auto liability insurance will not cover your injuries or any damage to your car. Both collision and comprehensive auto insurance cover damage sustained by your car, your injuries, non-moving accidents or damages, and theft and vandalism. All of these components comprise full auto insurance coverage. If you have a car loan, it’s likely that your lender requires you to carry full coverage auto insurance. Even if you decide not to carry full coverage auto insurance, auto liability insurance is still required in the state of Michigan. 

I just paid off my car. Should I drop full coverage auto insurance?

It depends. If you paid off your late-model car, it is probably wise to continue to invest in full coverage insurance. It’s likely that any damage your car might sustain in a wreck wouldn’t exceed the value of the car. This means that your insurance would likely pay for the repair or replacement of your car. Conversely, if your car is substantially older or old, the value has diminished substantially. As a result, your insurance premiums should guide whether you continue to invest in full coverage insurance. If your premiums exceed the value of your car, it’s likely your car will be totaled, deemed a total loss if you were in a significant accident. This means that your insurance company would be unwilling to pay for the repair or replacement of your car. Investing in full coverage insurance in this scenario wouldn’t be wise.

If you have questions about full coverage auto insurance, call us at Great Lakes State Agency in Lansing, MI. We’d be happy to help you explore your options. 

In the fast-paced world of today, owning a vehicle is a necessity for many. But along with the convenience comes responsibility, especially when it comes to insurance. Unforeseen accidents can happen, and that’s where uninsured and underinsured motorist coverage steps in as a crucial shield.

Protecting Yourself and Your Wallet

Accidents can strike at any moment, and not every driver on the road is adequately insured. Uninsured motorist coverage ensures that if you’re hit by a driver without insurance, your medical bills and property damage can still be covered. Similarly, underinsured motorist coverage kicks in when the at-fault driver’s insurance falls short of covering your expenses. Let Great Lakes State Agency, serving the greater Lansing, MI area, tell you why it’s essential.

The Hidden Dangers

Many assume that all drivers are insured, but the reality is different. According to recent data, a significant number of drivers either carry insufficient insurance or none at all. Without uninsured and underinsured motorist coverage, you could find yourself in a tough spot, footing the bill for someone else’s mistake.

Peace of Mind on the Road

Imagine driving with the reassurance that you’re protected from the unexpected. Uninsured and underinsured motorist coverage not only shields you financially but also provides peace of mind. Knowing that you won’t be left hanging in a difficult situation can alleviate stress.

Consult With Us

Uninsured and underinsured motorist coverage might not be a legal requirement, but it’s a safety net that every responsible driver should consider. It safeguards your finances, shields you from potential pitfalls, and offers the peace of mind you deserve. If you’re ready to learn more about obtaining an auto insurance policy with this type of coverage in Lansing, MI, reach out to Great Lakes State Agency today.

When it comes to rental cars and auto insurance, there’s more to the story than meets the eye. Understanding the intricacies of coverage is essential to ensure you’re fully protected on the road. At Great Lakes State Agency, serving the Lansing, MI metroplex, we offer valuable information to help you make informed decisions about auto insurance and rental cars.

Rental Car Coverage: What’s Included?

Before renting a car, knowing what your existing auto insurance policy covers is crucial. Many policies provide coverage for rental vehicles, including liability, comprehensive, and collision coverage. However, it’s always best to review your policy or speak with our insurance agent to determine the extent of your coverage.

Additional Coverage Options

While your existing auto insurance may cover rental cars, you might want to consider additional coverage options for added peace of mind. Rental car agencies typically offer supplementary protection such as Loss Damage Waiver (LDW), Supplemental Liability Protection (SLP), and Personal Accident Insurance (PAI). These extra coverages can help fill gaps in your current policy and safeguard against potential financial losses.

Credit Card Benefits

Many credit card companies provide rental car insurance benefits as part of their cardholder agreements. The benefits may include collision and theft protection. Check with your credit card issuer to understand the specific coverage offered and any applicable limitations or exclusions.

Understanding the Fine Print

Read and understand the rental agreement carefully to avoid unexpected expenses and complications. In addition, keep an eye out for terms and conditions related to insurance coverage, such as deductibles, limitations, and exclusions. This knowledge will help you decide better about your insurance needs when renting a car.

Take Charge of Your Auto Insurance Needs

Don’t let confusion or uncertainty about rental car coverage slow you down. Instead, equip yourself with the knowledge you need to make informed decisions and enjoy peace of mind on the road. Reach out to us today at Great Lakes State Agency in Lansing, MI to discuss your auto insurance and rental car needs, and let’s work together to find the perfect solution for you.

For many teenagers, driving is a right of passage and an expression of freedom. The same is true for folks who start driving later in life. A vehicle offers mobility and can open up many avenues. That said, it’s important to exercise safe driving habits and also to carry car insurance. If you’d like to discuss auto insurance, get in touch with Great Lakes State Agency, serving Lansing, MI.

Safety Driving Tips Everyone Should Know

The most obvious driving safety tip is to follow the laws. This includes posted speed limits, traffic lights, passing rules, and more. By following the law, new drivers can avoid mishaps. If a driver breaks the law and is ticketed, it might cause many problems, including rising auto insurance premiums.

Wearing a seat belt may seem overly cautious to some. However, seat belts have saved hundreds of thousands of lives so far. If you do get into a car accident, you’ll be thankful that you were wearing a seat belt.

It’s smart to practice driving in different road conditions, such as during rainstorms or on snowy streets. When you’re learning, you’ll want to take it slow so that you can get used to how the vehicle handles in such conditions.

Further, drivers should be defensive, meaning they should watch out for other drivers and risk factors. They should also maintain a considerable amount of distance between their vehicle and the car in front of them.

Auto Insurance Increases Safety Too

Car insurance provides protection. If you get in a car accident, your insurance plan may cover some of the costs, such as medical and repair costs. The insurance company might also cover legal costs if someone tries to sue a driver. That said, make sure you examine each individual plan to see what is covered. Contact Great Lakes State Agency, serving Lansing, MI, to discuss auto insurance options.