By law, everyone in the United States needs to have health insurance and that includes the residents of Bloomfield MI. But with so many options out there, do you find yourself wondering where to start? At Agency Advantage Insurance, we love to help people find the right health insurance for the right price. Here are three tips for buying health insurance in West Bloomfield, MI.

Bundle

When you bundle your insurance policies with the same company, you will get savings. For example, when you bundle your home, car, health, umbrella, and any other kind of insurance all together with one insurance company, they will pass the savings on to you.

Compare Quotes

Insurance companies want your business so they will give you the best quote they can. However, as the buyer, it is important that you compare at least two, three, or even more quotes to make sure you are getting exactly the amount of insurance coverage you want at an affordable price. A reputable insurance agent can guide you through this process by answering questions and clarifying what the coverage means compared to the cost.

Work with a Reputable Agent

To have peace of mind, you need to protect your family in the event of an injury or illness. You need to have health insurance. For this reason, it’s important to work with a reputable insurance agent; someone who is knowledgeable, experienced, and has a track record of customer satisfaction.

At Agency Advantage Insurance, our agents serve Northville and West Bloomfield, MI. We are experts in our field and are ready to help you get the right health insurance policy for you and family. Contact us today for more information and any questions you may have.  

Vintage cars can be extremely hard to insure because average insurance companies don’t know how to rate their value. However, Agency Advantage Insurance can help a West Bloomfield, MI car aficionado keep their beloved vehicle on the road and protected.

Old cars that become collectibles have two things working against them in the insurance world: they are not being sold on the regular car market anymore, and few people have them. That makes it extremely hard for insurance companies just to run standard charts and metrics on a vintage car because then the value becomes far more subjective, i.e., how much does a collector want for the car in replacement value versus what it’s worth in material value. Most insurance companies won’t take the owner’s estimate for a risk value, but they will acknowledge the valuation review of a licensed appraiser. Knowing how to secure one and then getting the right paperwork to the insurance provider is key to securing a protective policy for an older car.

Given it’s proximity to the car manufacturing capital of the world (Detroit), West Bloomfield, MI is a very likely place for older cars to be found. And that’s the reason why Agency Advantage Insurance has developed expert staff who are familiar with the vintage car appraisal process and how to develop the right documentation insurance providers will be comfortable with and provide a coverage policy for. Granted, people can try to strike out on their own with online options today, but many Internet evaluations will make it clear they will not consider cars older than the 1970s.

Why go through all that trouble? If you have a vintage car that needs insurance give the folks at Agency Advantage Insurance a call today.

In Michigan, motorcycle insurance and car insurance basic requirements are similar. However, since the likelihood of an accident is far greater when riding a motorcycle, you’ll want to protect yourself, your passengers, and your bike in the event of a collision.

Your liability and collision policies cover other vehicles involved. So, you need to make sure that you take precautions for underinsured motorists and hit-and-run drivers. Your Agency Advantage Insurance agent in West Bloomfield, MI can help you understand the different types of motorcycle insurance available.

Michigan Mandatory Motorcycle Insurance

To meet the state’s mandatory motorcycle insurance law, you need the following types of coverage:

• bodily injuries for other drivers in an accident you cause
• bodily injuries for passengers in a vehicle you hit in an accident you cause
• property damage to another vehicle in an accident you cause

Why Do You Need More Coverage?

When you are shopping around for insurance, make sure your agent knows the right questions to ask. The mandatory requirements do not cover you, your motorcycle, or passengers in an accident you didn’t cause. You can protect yourself by purchasing additional policies that do. Additional policies that protect you against uninsured or underinsured motors and hit-and-run drivers include:

• personal injury insurance for you 
• uninsured property damage for your motorcycle 
• personal injury insurance for your passengers

Motorcycles aren’t protected by Michigan’s no-fault law, and if you are financing your motorcycle, the lender may require additional coverage. Contact your representative at Agency Advantage Insurance in West Bloomfield, MI today to find out more about your motorcycle insurance needs or to set up an appointment for a quote.

For some people, umbrella insurance is a necessity. For others, umbrella insurance is an expense that you don’t really need to worry about. Before you call Agency Advantage Insurance, it’s worth considering which camp you fall into.

Umbrella insurance provides additional coverage beyond what you have on the policy for any individual item, your home, your car, etc. With umbrella insurance, rather than buy additional coverage for your house in West Bloomfield, MI, and then also buy additional coverage for your business, and also additional coverage for your motorcycle, you simply buy one big plan, and you can dip into that should you need to make any claims that go beyond what is covered on those individual policies.

The question then is what you stand to lose without umbrella insurance, and what you need to cover. If your boat is worth close to seven figures, but your home isn’t worth anywhere near that, then you don’t really need an umbrella policy so much as you need additional boat coverage. If you know exactly where your risks lie, then you’ll want to do a little bit of number crunching and see if additional coverage or umbrella coverage would be more cost-effective.

On the other hand, if you’re juggling a lot of valuable assets, then umbrella coverage will almost always be the smart choice, offering you a safety net no matter where your risks lie. If you want to make sure that your home, your car, and everything else has a fallback plan, and you don’t want to go through the hassle of buying additional coverage for each item individually, then you should give Agency Advantage Insurance a call right away and see what they can do for you.

Everyone in the United States has a legal obligation to have health insurance. When you think that you do not need this insurance because you are young and never sick, you could become the victim of an accident or a devastating illness. Then you become everyone else’s burden. Health insurance is not only for the elderly, or those with existing illnesses, it is a responsibility for all. If you have a problem deciding what insurance plan is best for you, then you should contact the experts at the Agency Advantage Insurance in West Bloomfield, MI. They will advise you of all options available for you, with or without pre-existing issues.

Agency Advantage Insurance is not just an insurance company, but a network of different insurance providers, so there is always a policy and a plan for everyone. They will act as your advocate and will assess your risks, and give an analysis of the insurance market. The experienced agents will do all of the work, and investigative research of insurance carriers for you, but they let you make the final decision based on your needs. Agency Advantage Insurance is dedicated to rendering high-quality service to their clients. We go above and beyond the ordinary to maintain a positive relationship with customers as well as communities.

Whether you need health insurance for yourself or your family, you will find all available possibilities with Agency Advantage Insurance. It is better to have insurance and not need it for a while than to need insurance and not have it. If you live in West Bloomfield, MI, your insurance needs are in knowledgeable hands. Reach out to our agents to learn more.