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Q?
What is the best insurance company to have insurance with?
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A.
The one that provides you as an individual, the best value for the best coverage. It is not all about price. When buying insurance, be sure that you compare coverage and options from more than one carrier before selecting a choice. Sometimes cheaper is not better.
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Q?
Why is life insurance so expensive?
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A.
In most cases, life insurance is not expensive at all. You may be surprised what $1 per day can buy when it comes to life insurance. All you have to do is ask.
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Q?
Can I get insurance the same day?
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A.
In most cases, yes. But it is best to call ahead and discuss what you need. It gives the agency the option to search for the best carrier for your needs.
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Q?
How long is typical grace period for payments?
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A.
It is always best to expect to pay your payment on time. Many carriers have eliminated grace periods and add on hefty fees for payments which are late. Consider using EFT as a payment option to save money on monthly fees and to avoid late charges.
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Q?
Is it hard to insure a home?
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A.
Hard is not the right term. But it is more challenging today than in years past. Insurance companies typically send out inspectors to verify the condition of the home and to check for things like missing siding, damaged or deteriorating roofs, decks in need of handrails, pets, etc. Another key point is electrical service. It is very difficult to insure a home with any system other than circuit breakers.
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Q?
What does Michigan No Fault mean when it comes to auto insurance?
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A.
The term “No Fault” is a poor choice when it comes to describing the state’s auto insurance code. It would be more appropriately termed, “Regardless of Fault”. When selecting coverage for your auto policy, in many cases you are selecting coverage that applies to you regardless of who is at fault in the accident.
