Why basic auto insurance may not be the right choice

When it comes to auto insurance, you have lots of choices. What you choose for your coverage begins with the amount of coverage you need and what is required.

At CG Insurance Agency in Williamston, MI, we help our customers to make the choice that is best for them. 

What is basic auto insurance?

In Michigan, the amount of basic auto insurance that you as a driver are required to have is 20/40/10. This means that you must have coverage of $20,000 for injuries sustained by a single person in an accident where you are the responsible party. $40,000 for the total amount of personal injury in any accident. An additional $10,000 is allowed for property damage. 

Is basic insurance enough?

It isn’t enough if you have a car loan or are leasing a vehicle. The bank or leasing company requires that you have more than basic insurance. They want you to protect the vehicle in which they have a stake. If you use your car every day to go about your daily activities, having your car is important. You may want to consider more than basic insurance. 

Additional coverage options

Collision is exactly what it sounds like, protection for your vehicle if you are involved in an accident and are at fault. It will pay to repair or replace your vehicle after you pay the deductible. 

Comprehensive coverage covers non-collision damage to your vehicle or theft. It protects you from weather events, vandalism, and large animals. 

Gap coverage is very valuable if you have a new car and don’t want to lose money if you have an accident that totals your new car. 

Get The Right Coverage For Your Needs

Contact CG Insurance Agency in Williamston, MI, if you have questions about the right auto insurance for you. We are glad to help!

Take the time to fully review your auto policy before renewing

Residents in the greater Williamston, MI area can turn to the team at CG Insurance Agency for all of their insurance needs. We find that our clients benefit from a regular review of all of their insurance, including auto insurance policies. Call or stop by today to learn more. 

It’s a smart idea to review your auto policy at least once a year

If you are like many people in our area, you simply renew your auto insurance policy year after year without giving it a careful review. While this is understandable due to the hectic environments in which we live and work, it’s a bad habit to fall into.

Most auto insurance policies renew after six months. This means that it’s necessary to review your policy at least once during the year. Of course, always reviewing every policy prior to renewal is the best practice to adopt, but it isn’t always possible to take the time to do so.

By carefully reviewing your auto policy at least once a year, you are more likely to notice any gaps in coverage. Our insurance needs can change year after year, so it is important that our insurance policies meet our current needs. If you are unsure what to look for during your review, your local insurance agent can be a helpful resource. Don’t let too much time go by before you take a close look at your current auto policy.  

We are here to help!

CG Insurance Agency is proud to help residents in the greater Williamston, MI community with all of their insurance needs. If you have questions about auto insurance, we are here to help. Give us a call or come by our office today to learn more. 

Tips for Preventing Car Accidents

Every year, millions of people are involved in car accidents. While some of these accidents are minor fender-benders, others can be much more serious, resulting in injuries, property damage, and even death. Fortunately, there are steps that everyone can take to help prevent car accidents from happening in the first place. CG Insurance Agency in Williamston, MI offers auto insurance coverage for your protection. Also, by following the tips below, you can help make the roads safer for everyone.

Tips for Preventing Car Accidents

1. Obey the Speed Limit

One of the most common causes of car accidents is speeding. When you’re driving too fast, you have less time to react to potential hazards on the road, and you’re more likely to lose control of your vehicle. Even if you’re an experienced driver, it’s important to obey the posted speed limit and to slow down even further if the road conditions are less than ideal.

2. Don’t Drive Distracted

Texting, talking on the phone, eating, drinking, changing the radio station. All of these activities take your attention away from the task of driving. And when you’re not paying attention to the road, you’re more likely to be involved in an accident. If you need to do any of these things while you’re driving, pull over to a safe location first.

3. Don’t Drive Impaired

Never get behind the wheel if you’ve been drinking alcohol or taking drugs – prescription or otherwise. Impairment dulls your reflexes and makes it more difficult to make split-second decisions on the road. If you’re going to be drinking, designate a sober driver ahead of time, or take a cab or public transportation home.

4. Wear Your Seatbelt

Seatbelts are one of the simplest and most effective ways to stay safe on the road. Wearing a seatbelt greatly reduces your risk of injuries in the event of an accident. Make sure you and all your passengers buckle up before you start driving.

5. Drive defensively

Defensive driving is a technique that can help you avoid accidents by anticipating dangerous situations and taking action to avoid them. When you’re driving defensively, you always keep your eyes on the road and look for potential hazards. If you see a driver behaving erratically, for example, you may choose to change lanes or slow down to give yourself more time to react.

Invest In Insurance

Even if you follow all the tips above, accidents can still happen. That’s why it’s important to have adequate auto insurance coverage. If you are involved in an accident, your insurance will help pay for repairs to your vehicle and any medical bills you may incur. Make sure you know what your policy covers, and talk to your agent about increasing your coverage if necessary.

Are you looking for a reputable and affordable auto insurance provider? CG Insurance Agency serving Williamston, MI offers a variety of options to meet your needs. Contact us today for a free quote.

What Type of Car Insurance Protects My Vehicle From Hail and Lightning Damage in Williamston, MI?

Comprehensive auto insurance coverage may pay for damage due to wind, fire, hail, smoke, theft, falling objects, vandalism, and lightning. However, every policy is different, and it’s a good idea to talk with your agent at CG Insurance Agency in Williamston, MI. We can help you understand what your current policy covers and make any needed adjustments to ensure that you are covered for hail and lightning damage.

Coverage for Dings and Dents Related to Hail Damage

When hail falls, it can be anywhere from the size of a pea to the size of a grapefruit or larger. Quarter-sized hail measures about one inch in diameter and can cause dents, dings, broken glass, and other damage that impacts your vehicle.

Comprehensive insurance often pays for severe weather events, including hail. It may also cover you for events such as hitting a large animal or falling branches that can damage your vehicle.

Comprehensive Insurance for Lightning Strikes

You can purchase optional comprehensive insurance to help cover damage to your car due to a lightning strike. Comprehensive coverage provides extra protection that can help prevent out-of-pocket losses. If your insurance includes lightning and hail damage, you may get reimbursed for damages minus the deductible.

Without comprehensive coverage, you may not receive reimbursement for repairs needed due to a lightning strike. You can receive a check for the damages for hail and lightning damage to your vehicle once your claim has been approved. It’s also important to understand how your payout works if your vehicle is a total loss.

Contact the pros at CG Insurance Agency in Williamston, MI to schedule an in-person meeting to receive a quote for comprehensive insurance covering your vehicle. We can also look at your auto policy to make sure that you’re covered for other potential events.

Auto insurance FAQs

In Williamston, MI, CG Insurance Agency has been bringing residents the benefits of an independent insurance agency since 2015. When it comes to auto insurance, you need to make sure that you have the right coverage. Not every person or even every vehicle needs to have the same auto insurance. Sitting down with your agent can end up saving you money while making sure that the coverage you have is correct. Independent agents are able to provide their customers with more choices and you should take advantage of that. 

Do I need to have auto insurance if I don’t have a loan on my vehicle?

In the state of Michigan, yes you do. You need to have a basic auto insurance policy, which means having liability coverage. The required amount in Michigan is 50/100/10. 

What type of auto insurance will cover my vehicle if it is stolen?

If you carry comprehensive coverage on your vehicle, it will be covered in the event that it is stolen. 

How many vehicles can I have on one auto policy?

Most auto policies are good for 4 or 5 vehicles. That is not a hard and fast rule, a lot will depend on the size of your family and the number of drivers. 

I need to rent a car. Will my auto insurance cover me?

Maybe. Whether or not your auto policy covers a rental car depends on exactly what type of auto policy you have. If you have a basic policy, then no, you won’t have the necessary coverage for the vehicle. If you have complete coverage, you will likely be covered in a rental vehicle. If in doubt, give your insurance agent a call. 

When you are in the market for auto insurance or need to review your coverage, call CG Insurance Agency in Williamston, MI. 

Why Does Auto Insurance Not Cover These Things?

Are you confused why insurance companies like us at CG Insurance Agency don’t cover certain problems for your Williamston, MI vehicle? Please read on to learn more about why you have some policy limitations and (if applicable) ways that you may work around them.

Performance Cars 

High-quality performance or exotic cars are not covered by a standard car insurance policy. Instead, they must be protected with specialized insurance plans designed specifically for them. Make sure you talk to your insurance provider to learn more about this facet and what to expect from it. 

Wear and Tear Damage 

Your insurance provider does not cover wear and tear problems because they are considered a natural part of your car’s use. And if your negligence causes any troubles with your vehicle, they are likely to not cover these repair costs, so make this fact in mind before finding a policy. 

Other People Driving Your Car 

Insurance companies set up your policy with the assumption that you’ll be driving it. They set their prices and their coverage to suit specific people. So, if someone else is driving your car and damages it, your policy does not cover the problem because it does not apply to them. 

Ridesharing Situations 

Providers often refuse to cover ridesharing because it is another scenario in which you are sharing your vehicle with others. You may need to get specialized commercial auto insurance for this type of protection, though you may have limited choices in some situations. 

Get Your Car Protected 

Working with us at CG Insurance Agency will help to keep your Williamston, MI automobile protected and secure. By getting high-quality coverage, you can ensure that you don’t end up experiencing real problems and can avoid the long-term complications that you may otherwise experience. 

Tips for Parents Teaching Their Teens How to Drive

The time has come, and your teen is starting to learn how to drive. The time you teach your teen how to drive can be a bonding experience. Being prepared to teach your teen how to drive in Williamston, MI is key to avoiding any potential dangers while on the road. 

It is essential to keep your teen safe while teaching good driving abilities. Keeping your teen safe while driving is why you need to give us a call at CG Insurance Agency to learn more about insuring your teen as they learn how to drive. Until then, here are some tips to help you teach your teen how to drive: 

Determine If They Are Ready to Drive

Before you head out and go driving with your teen, determine if they are ready to learn how to drive. You know your child more than anyone else and would be able to determine if your teen is mature enough to understand how to drive. 

Check Insurance

Call your insurance company to learn more about coverage for your teen as they learn how to drive. You may have to add your teen to your policy when they have their learner’s permit or once they receive their driver’s license. 

Explore the Vehicle

Take a moment in the driveway with your teen sitting in the driver’s seat. Discuss the different instruments and how to use them. Additionally, teach your teen how to adjust seats, mirrors, and other features in the car. Also, take time to discuss what the different lights mean, such as check engine light and low tire pressure. 

Once you and your teen are ready to go out on the road in Williamston, MI remember to be patient and take deep breaths. Closely watch your teen and explain why they should be doing certain things while behind the wheel. Don’t forget to give us a call at CG Insurance Agency to learn more about insurance coverage when your teen starts to drive. 

The ABC’s of Auto Insurance

The questions around auto insurance center not so much on whether to have it—it’s mandated by state law, required by your lender, and serves to protect your assets—but what kind of coverage you should purchase.

Types of Coverage

There are several forms of coverage that a car owner may purchase, some of which are required, others of which may be optional.

The coverage requirements in all states include:

  • Bodily injury liability (pays for the cost of injuries you cause to another individual), and
  • Property damage liability (pays for the damage you cause to another’s car or to objects or structures you hit).

Some, but not all, states will require that you have coverage for:

  • Uninsured and underinsured motorists (covers the costs associated with being hit by an uninsured or underinsured driver, or in the case of a hit-and-run accident), and
  • Medical payments or personal injury protection (PIP) (pays for medical treatment for you and your passengers). PIP coverage is available in “no-fault” states and may also cover lost wages and funeral costs.

If you borrowed to purchase your car, the lender may require collision and comprehensive coverage.

Collision coverage reimburses you for damage to your car resulting from a collision with another car, object, or structure; a pothole; or from flipping over.

Comprehensive coverage is designed to pay for car damage not arising from a collision, e.g., theft, hail, windstorm, flood, fire, and hitting animals. This coverage may also pay for windshield repairs.

If you own your car outright, you may want to consider purchasing collision and comprehensive coverage if your car has a significant market value. You may find that the potential economic loss is sufficient to warrant the cost of collision and comprehensive protection.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright 2021 FMG Suite.

Risks of Not Having Auto Insurance

The primary purpose of auto insurance is to protect drivers. However, many drivers decide to take a huge risk and drive without car insurance. People decide not to purchase auto insurance for many reasons, but the main is money. If you are one of them and you do not want to buy car insurance, CG Insurance Agency prepared a list of certain risks you should be aware of:

Risk of Being Arrested or Ticketed

If you live in Williamston, MI, or any other town in Michigan, you should know that driving without car insurance is illegal. It is a misdemeanor offense and can result in a fine or even arrest. 

Risk of Being Financially Responsible For All the Repairs in Case of an Accident

If you are involved in a car accident without auto insurance and are at fault for causing it, you will have to pay for all the repairs yourself. It might be a lot of money, depending on the amount of damage. Moreover, there is a risk that other drivers and passengers will sue you for physical injuries.

Risking Lives of Other People

If you decide to drive without insurance, you should understand that you are putting yourself at risk and other people, as well. If many people need medical help in case of an accident, you will have to pay for it. 

Therefore, if you are still thinking about whether to buy auto insurance or not, you should definitely get it. If you live in Williamston, MI, or any other surrounding towns and you are looking for a trustworthy insurance agency, CG Insurance Agency is here for you. Our team of professional and experienced insurance agents is ready to answer all the questions you may have and help you find a perfect policy based on your budget and personal preferences. All you need to do is to give us a call or visit our website. 

Required Auto Insurance in Michigan

Like other states, Michigan has laws about the type of auto insurance that drivers must carry. And, you must carry proof that you have this insurance. If you need auto insurance or want to increase your coverage, call us at CG Insurance Agency LLC in Williamston, MI to talk with an agent about the coverage you need.

Coverage for Injuries

Michigan has a “no-fault” law that leaves each person responsible for paying for their injury claims no matter who caused the accident. This also means that drivers lose some of their rights to file suit for damages. This makes it especially important to have your own coverage in place. The state mandates that you have a specific amount of bodily injury coverage for one person injured in an accident. It has another amount required to cover two or more people who have been injured in an accident. However, both of these amounts are relatively low, and many people choose higher coverage amounts to meet today’s high medical bills. There is also required personal injury coverage with an unlimited payout, and you choose between a few deductible amounts.

Other Required Insurance Coverage

There is also a set amount required for property damage liability. This set amount pays for damage done to another vehicle, but not to your own. There is also coverage for bodily injury for an uninsured motorist. Technically, this coverage is not mandatory, but your insurance agent is required to offer it to you, and if you don’t want it, you must reject it in writing. It is, however, smart coverage to have.

Get Your Vehicle Covered

If you don’t have auto insurance or don’t have enough coverage, don’t wait even a day. Call us at CG Insurance Agency LLC in Williamston, MI to make your appointment with an agent.