Vehicle accidents can happen any time of the year, so it is important that you are protected in Bay City, Midland, Oscoda, Saginaw, Tawas City, and the surrounding areas. This means that you need to have adequate auto insurance to cover yourself, your vehicle, as well as anyone else riding with you. When you speak with the agents at Safeguard Insurance Agency we will be able to provide you with the details about your policy. You know that you need to have auto insurance for your vehicles and you want the best policy for the money, so put our team to work for you. Contact us today to learn more.
How Much Insurance Do You Need
This is a question that nearly every vehicle owner asks, and with good reason. While living in Michigan means that you are required to have at least a minimal level of auto insurance, you can easily get more coverage. But do you really need the added coverage, and if so, just how much additional insurance protection should you have? The right answer will vary from client to client, but generally it is accepted that the state minimums are too low for most people.
Working with an independent insurance agency like ours means that we aren’t representing just a single insurance company. Instead, we work with a number of different insurance agencies and will shop the market on your behalf to find several different quotes for your auto insurance needs. You may be surprised at the range of premiums that come back from the different insurance companies.
It is important to remember that when you are working with your insurance agent to consider what happens if you do get into an accident and the insurance isn’t enough to cover all of the different costs associated with the accident. This can include damage to vehicles, to property, as well as to people. Whatever is not covered by your auto insurance will be coming out of your pocket, and this could be substantial in some cases.
Understand How Premiums Are Calculated
While each insurance company is different in what they look at, there are always a number of different factors that come into play when you get a quote for your auto insurance. Some common things that they look at include your driving record, how many claims you have made in the past, your age, and sometimes they will look at your credit rating. When you are looking to get the best auto insurance coverage in Bay City, Midland, Oscoda, Saginaw, Tawas City, and the surrounding areas, make the call to Safeguard Insurance Agency and work with our independent insurance agents.