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Michigan Car Insurance

Posted on: January 17th, 2013 by admin

2 Pitfalls to Avoid When Purchasing Michigan Car Insurance

Michigan Car InsuranceYour Michigan car insurance policy is up for renewal and you decide you want to shop around to see if you can get a better deal. When calling around you are so tired of answering the same questions that you start giving shorter answer to give less detail so you can just get off the phone. Ringing a bell? It is only natural to lose focus when answering the same questions repeatedly. It is very easy to rush thru details or maybe out of frustration leave out details so you get your Michigan car insurance quote quickly and be off the phone. The problem when this happens is that those details could cost you down the road.

 Michigan Car Insurance

¬†Below are a couple of scenarios that could cost you if you don’t take the proper time to answer when initially starting your Michigan car insurance policy.

1. You live with somebody that drives your car on a regular basis. If you have a roommate or domestic partner and you share your vehicle it is important that you are both listed as drivers on your Michigan car insurance policy. The reason being is if there is another person that is driving your car on a regular basis then they needed to be rated as doing so. If you find yourself in an unfortunate situation of having the other person that is not listed on your policy as a driver involved in an accident then you are leaving yourself open to a lot of probing questions from the insurance company.

2. Your car is used for more than just personal use. When buying a Michigan car insurance policy you need to keep in mind that it is designed for personal use not for business. However in some situations you can still use it for business purposes, for example if you are a Realtor. It would just be rated for business use also. It is important to disclose this information so it can be determined if you need a commercial policy or just a personal policy rated for business use also. If you need a commercial policy but you glossed over the questions and have a personal policy you are again going to receive a lot of questions from the insurance company.

When shopping for insurance just remember to answer the questions accurately with enough detail to make sure you will be adequately insured. If you would like to speak with just one agent but still receive competing Michigan car insurance quotes then you may want to call an independent insurance agency.

For FREE Michigan Car Insurance Quote Call (888) 557-0121

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