You can TRUST US to explain your options
and allow you to choose the INSURANCE coverage
 that fits your needs and budget!

 

When you shop for insurance do you just call and ask for a quote?  Does the agent you’re talking to ask any questions or explain any of the many choices he or she may be making on your behalf?  We get calls daily from people who are price shopping, without any idea they may be paying more for the “cheapest” policy than they would for a policy with better coverage.  We will give you the coverage you want-after we explain your options-you tell us what coverage you want and we will offer you our best available rate!

Everyday I receive calls requesting the “cheapest possible policy, because my car is old or a piece of junk”.  What I try to explain is an auto insurance policy is made up of several different coverage’s, with several different options.  Many agent’s will just quote the minimum coverage to make you legal on the road, but they also do not ask the probing questions that give you discounts.  When people take the time to answer a few questions and make a few informed decisions they end up with better coverage at a better rate-and best of all, no surprises when they need the coverage!  A good example is property damage buy-back or “mini-tort” coverage which is not required by law in Michigan.  If you call and ask for a bare bones policy the agent may not give you this coverage.  If you cause an accident you are responsible for the other person’s deductible up to $500.  This coverage is approximately $1 per month and is only covered if you purchase this option.

The same is true for all types of insurance-there are many optional coverage’s you may need and never have been offered! 

For an agent that will work with you to give you the coverage you need at the lowest possible rate contact us!