Danielson Insurance Agency Inc, Auto Insurance, Car insurance, Home Insurance, House insurance, Motorcycle insurance, Motor home insurance, Classic car insurance, Boat insurance, Umbrella insurance, Obamacare, Obama care, Health insurance, Blue cross blue
Copyright © 2017, Danielson Insurance Agency, Inc.  All rights reserved. Website by North Country Website Design.
KINGSFORD 801 Pyle Drive Kingsford, MI 49802 Phone: 906-779-1900 Fax: 906-779-1930 Hours: M-F 7:30am-4:00pm
Danielson Insurance Agency Inc, Auto Insurance, Car insurance, Home Insurance
MENOMINEE 2719 10 Street Menominee, MI 49858 Phone: 906-864-9909 Fax: 906-864-9980 Hours: M-Th 9:00am-4:30pm; Friday 9:00am-12:00pm
Danielson Insurance Agency Inc

Less Tricks and More Treats: How To Save A Little Money on Your Michigan

Auto Insurance.

October 17, 2017 by Chad Harrison It’s October.  It was Friday. It was the 13th. It was Friday the 13th in October and it has me thinking about things that scare me.  I started asking my co-workers to help make a list of things that scare us and here is what we came up with: 1. Bad haircuts. 2. MC Hammer Pants coming back in style. 3. That moment when fat pants become your tight pants. 4. Wasting a good outfit on an insignificant day. 5. That dream when Justin Bieber and Miley Cyrus are my parents. 6. My spouse before coffee. 7. Running out of data / having no Wi-Fi. 8. Certain retail stores, especially on a holiday, or any day ending in “Y”. 9. Losing my phone, cracking my phone, dropping my phone. 10. Paying my Michigan Automobile Insurance Premium. If you live in Michigan, there is a pretty good chance that you will agree with us on at least one of those items being absolutely terrifying.  As we wait on the latest attempt of Michigan Auto Insurance Rate Reform (Fingers crossed Beau Lafave) to run its course, we thought we would pass on a few ideas that might help lower the cost of your Michigan Auto Insurance rates. Here are a few cost saving tips that you might be well aware of:  1. Bundling multiple policies  (Home and Auto) 2. Raising Deductibles on Comprehensive and Collision 3. Group Discounts (Ex. Alumni, Credit Union Members, Occupation, etc.) There are other options that could help bring the cost down as well, and it has to do with the type of Collision coverage you may be carrying in Michigan. If I asked you what the difference between Comprehensive and Collison coverage is, how would you answer?  If you are like some, there is a good chance you could tell me easily.  However, most people I work with day in and day out would struggle to tell me what their deductibles are, let alone the difference between the two types of physical damage coverages.  I get it, I really do,  our lives are  busy, and you have more important things to deal with than to worry about  how your insurance works.  In the spirit of October and Friday the 13th , …. Do You Want To Play A Game? Try to answer correctly whether these scenarios are a Comprehensive Claim or a Collision claim:        You’re driving in your car and a deer jumps out of nowhere…bye bye Bambi COMPREHENISIVE OR COLLISION?        You’re driving in your car, a deer jumps out, you swerve to miss the deer, but roll your vehicle instead. COMPREHENISIVE OR COLLISION? (Answers are found at the bottom) Collision coverage is used when your insured vehicle hits another object (other than an animal-that would be Comprehensive) or vehicle; or the overturn of a vehicle.  If you choose to carry Collision coverage in the state of Michigan, or your lending agency requires it) you should know that you have three options that work three different ways and cost three different amounts.  Let us explain the differences between these options and how you could possibly save some money on your premium. Broad Collision Coverage (Could be titled differently with your carrier): This is the highest form of collision coverage that you can carry in the state.  If you are unsure what type of collision coverage you have, odds are that you have broad, here’s how it works: The insurance company will pay for collision damage to the insured vehicle, regardless of who is responsible for the accident.  Yes, even though Michigan is a No-Fault State, the officers still assign fault in every accident they report, HOWEVER,  if the driver of the insured vehicle is less than 50% at fault (check your carrier’s terms and conditions) than the company will waive the deductible.  That’s right, if you’re sitting legally at a red light and you have broad form collision, and all of the sudden the guy behind you that is texting his girlfriend  smashes into you (clearly at fault), the insurance company will waive your deductible no matter how high it is.  If you are more than 50% at fault in an accident, the insurance company will still pay for the damage but you will be responsible for the deductible.  Broad form is the most costly form of collision due to the potential of not having to pay for a deductible.  If you have broad form collision there is a good chance this is either the first or second (Thanks Personal Injury Protection) most expensive part of your auto insurance. Regular Collision Coverage (Could be titled differently with your carrier): This is the middle of the road option when it comes to collision coverage.  Regular collision works very similar to broad collision coverage, with one small but important difference.  With regular collision you will ALWAYS pay your deductible regardless of who is responsible for the accident. Regular collision coverage cost less than broad form coverage and will decrease the amount you pay monthly, semi-annually or annually. Limited Collision Coverage (Could be titled differently with your carrier): This is the lowest level of collision coverage in the state of Michigan.  With limited collision coverage the insurance carrier will pay for collision damage to the insured vehicle when the driver of that vehicle is not more than 50% of the cause of the accident.  What happens if the driver of the insured vehicle is more than 50% at fault?  If the driver is more than 50% at fault in a collision the insurance company will NOT pay for the damage. Limited collision is by far the least costly but it definitely comes with more exposure and risk on your part. We recommend you take a moment and talk to your local, independent agent about the options available to you when it comes to collision coverage.  You might be willing to take on a little more risk and bring the cost of your premium payment down.  If you have any questions feel free to contact me chad@danielsoninsurance.com and I will be more than happy to discuss further options with you.   We believe that auto insurance should be less tricks and more treats, stay safe out there and know that when you need us we are always here. Oh, you want the answers to the scenario’s?   Scenario 1 is a Comprehensive claim and Scenario 2 is a Collision claim.  
What’s The Difference Between a Captive Agent, Direct Writer, and an Independent Agent?
Copyright © 2017, Danielson Insurance Agency, Inc.  All rights reserved. Website by North CountryWebsite Design.
KINGSFORD 801 Pyle Drive Kingsford, MI 49802 Phone: 906-779-1900 Fax: 906-779-1930 Hours: M-F 7:30am-4:00pm Map & Directions
MENOMINEE 2719 10 Street Menominee, MI 49858 Phone: 906-864-9909 Fax: 906-864-9980 Hours: M-Th 9:00am-4:30pm; Friday 9:00am-12:00pm Map & Directions
Danielson Insurance Agency Inc, Auto Insurance, Car insurance, Home Insurance, House insurance, Motorcycle insurance

Less Tricks and More Treats: How

To Save A Little Money on Your

Michigan Auto Insurance.

October 17, 2017 by Chad Harrison It’s October.  It was Friday. It was the 13th. It was Friday the 13th in October and it has me thinking about things that scare me.  I started asking my co-workers to help make a list of things that scare us and here is what we came up with: 1. Bad haircuts. 2. MC Hammer Pants coming back in style. 3. That moment when fat pants become your tight pants. 4. Wasting a good outfit on an insignificant day. 5. That dream when Justin Bieber and Miley Cyrus are my parents. 6. My spouse before coffee. 7. Running out of data / having no Wi-Fi. 8. Certain retail stores, especially on a holiday, or any day ending in “Y”. 9. Losing my phone, cracking my phone, dropping my phone. 10. Paying my Michigan Automobile Insurance Premium. If you live in Michigan, there is a pretty good chance that you will agree with us on at least one of those items being absolutely terrifying.  As we wait on the latest attempt of Michigan Auto Insurance Rate Reform (Fingers crossed Beau Lafave) to run its course, we thought we would pass on a few ideas that might help lower the cost of your Michigan Auto Insurance rates. Here are a few cost saving tips that you might be well aware of:  1. Bundling multiple policies  (Home and Auto) 2. Raising Deductibles on Comprehensive and Collision 3. Group Discounts (Ex. Alumni, Credit Union Members, Occupation, etc.) There are other options that could help bring the cost down as well, and it has to do with the type of Collision coverage you may be carrying in Michigan. If I asked you what the difference between Comprehensive and Collison coverage is, how would you answer?  If you are like some, there is a good chance you could tell me easily.  However, most people I work with day in and day out would struggle to tell me what their deductibles are, let alone the difference between the two types of physical damage coverages.  I get it, I really do,  our lives are  busy, and you have more important things to deal with than to worry about  how your insurance works.  In the spirit of October and Friday the 13th , …. Do You Want To Play A Game? Try to answer correctly whether these scenarios are a Comprehensive Claim or a Collision claim:        You’re driving in your car and a deer jumps out of nowhere…bye bye Bambi COMPREHENISIVE OR COLLISION?        You’re driving in your car, a deer jumps out, you swerve to miss the deer, but roll your vehicle instead. COMPREHENISIVE OR COLLISION? (Answers are found at the bottom) Collision coverage is used when your insured vehicle hits another object (other than an animal- that would be Comprehensive) or vehicle; or the overturn of a vehicle.  If you choose to carry Collision coverage in the state of Michigan, or your lending agency requires it) you should know that you have three options that work three different ways and cost three different amounts.  Let us explain the differences between these options and how you could possibly save some money on your premium. Broad Collision Coverage (Could be titled differently with your carrier): This is the highest form of collision coverage that you can carry in the state.  If you are unsure what type of collision coverage you have, odds are that you have broad, here’s how it works: The insurance company will pay for collision damage to the insured vehicle, regardless of who is responsible for the accident.  Yes, even though Michigan is a No-Fault State, the officers still assign fault in every accident they report, HOWEVER,  if the driver of the insured vehicle is less than 50% at fault (check your carrier’s terms and conditions) than the company will waive the deductible.  That’s right, if you’re sitting legally at a red light and you have broad form collision, and all of the sudden the guy behind you that is texting his girlfriend  smashes into you (clearly at fault), the insurance company will waive your deductible no matter how high it is.  If you are more than 50% at fault in an accident, the insurance company will still pay for the damage but you will be responsible for the deductible.  Broad form is the most costly form of collision due to the potential of not having to pay for a deductible.  If you have broad form collision there is a good chance this is either the first or second (Thanks Personal Injury Protection) most expensive part of your auto insurance. Regular Collision Coverage (Could be titled differently with your carrier): This is the middle of the road option when it comes to collision coverage.  Regular collision works very similar to broad collision coverage, with one small but important difference.  With regular collision you will ALWAYS pay your deductible regardless of who is responsible for the accident. Regular collision coverage cost less than broad form coverage and will decrease the amount you pay monthly, semi-annually or annually. Limited Collision Coverage (Could be titled differently with your carrier): This is the lowest level of collision coverage in the state of Michigan.  With limited collision coverage the insurance carrier will pay for collision damage to the insured vehicle when the driver of that vehicle is not more than 50% of the cause of the accident.  What happens if the driver of the insured vehicle is more than 50% at fault?  If the driver is more than 50% at fault in a collision the insurance company will NOT pay for the damage. Limited collision is by far the least costly but it definitely comes with more exposure and risk on your part. We recommend you take a moment and talk to your local, independent agent about the options available to you when it comes to collision coverage.  You might be willing to take on a little more risk and bring the cost of your premium payment down.  If you have any questions feel free to contact me chad@danielsoninsurance.com and I will be more than happy to discuss further options with you.   We believe that auto insurance should be less tricks and more treats, stay safe out there and know that when you need us we are always here. Oh, you want the answers to the scenario’s?   Scenario 1 is a Comprehensive claim and Scenario 2 is a Collision claim.  
What’s The Difference Between a Captive Agent, Direct Writer, and an Independent Agent?