Checked Your Car Insurance Rates Lately?
When the car insurance renewal comes in the mail, what do you do with it? If you are anything like most Americans, you’ll toss that envelope in the pile of mail and not give it another thought. After all, the payments come directly out of your bank account, so you hardly notice them, right? But, checking in with your car insurance provider, now and then, is a good idea to keep them honest, and to ensure your car insurance premiums are still competitive. In fact, you can get a couple of quotes to compare. Maybe it’s time for a change, or at least an adjustment on your policy to better reflect your driving habits today. Need quotes for auto insurance in Sterling Heights, Michigan? Let us do the work and find you better rates for auto insurance in Troy, Birmingham, Rochester, Rochester Hills, Royal Oak, Sterling Heights, Shelby Township and Macomb.
Your Car Insurance Premiums Could Soon Go Down
With the recent reforms to no-fault auto insurance in Michigan, drivers may see their premiums fall slightly in the future. Certainly, if you choose to reduce the amount of personal injury protection (PIP) coverage you pay for, you can save a few dollars per month. There are even some situations where you can opt for the lowest amount of PIP coverage or opt-out entirely. It all depends on your situation and the alternative health insurance and life insurance coverage that you have. We are would be happy to discuss the options with you and determine what is best for you.
Is Reducing PIP for Auto Insurance Really Worth It?
Getting into a serious accident, whether you are at fault or not, can be devastating to you and your family. Immediate medical costs and ongoing costs for yourself or your passengers can add up in a hurry. Once they are exhausted, you are on the hook for any additional costs. So deciding to reduce your PIP when renewing your auto insurance policy may seem like a good idea to save some money, but it could have long-term consequences. At E&Y Insurance Agency We advise you to put a lot of thought into the decision and to continue paying for unlimited PIP if you can afford it. The smaller monthly cost now could save you thousands of dollars in the future, should you be involved in an accident.
Working From Home is Changing Your Driving Habits
You used to drive to work every day, sitting in rush hour traffic and dodging hurried, stressed-out drivers along the way. Now you work from home, and the car sits in safely in the garage all week. Some auto insurance providers are giving clients a break on their insurance rates due to the changes in their driving habits. Contact them to ask if you qualify, or contact us an ask about reducing car insurance rates with usage-based auto insurance policies. Give E&Y Insurance Agency in Bloomfield Hills a call at (248) 362-1313 to find out more or to make an appointment for a consultation. We can find you the best auto insurance rates in Bloomfield Hills, Michigan, with the right type of coverage for your needs.
