Category: Auto Insurance

When Flushing, MI residents are in need of valuable tips and pointers, they contact Bachmann Insurance Agency. Our team of experienced insurance agents is able to take all of the guesswork out of finding the best auto insurance policy. This is especially crucial for parents who are looking to ensure their teenage drivers. Thanks to this guide, you are able to find the best policy for your future driver far more easily than ever before.

Consider Bundling Policies

By choosing the same carrier for all of your policies, you are able to avoid many of the usual difficulties and obtain the best possible policy for your young driver. The average teenager is not going to be able to get a policy on their own, and that’s where parental research comes into play. A Flushing, MI homeowner may even be able to bundle their residential policy with their auto insurance policy to make life even easier for themselves.

Change Coverage As They Age

Let’s say that a parent has decided to obtain coverage for their teenagers while they are in high school. This is a great place to start, and coverage should be changed as the child grows older. This is a crucial step to take for parents whose children will not be driving regularly while they are at college. If the child is only driving on school breaks, the policy should be tweaked accordingly.

Carefully Consider The Vehicle Choice

This should go without saying, but the car that you choose for your young driver should be reflective of their level of experience. Clunkers are always going to be easier to insure than the more flashy options that are available.

Flushing, MI, parents who are looking to find out more about auto insurance policies for their future motorists are more than welcome to contact Bachmann Insurance Agency. We have the experience and know-how that you need in your corner.

Winters can be rough in Michigan, and snow is usually not in short supply. Being prepared when you are out on the road is essential when the weather can be unpredictable. At Bachmann Insurance Agency in Flushing, MI, we are independent insurance agents, and we will make sure that you are prepared for winter with the right auto insurance to protect you. 

What to have in your vehicle for winter

A shovel

Having a folding shovel can come in very handy if your vehicle gets buried in the snow.  Throwing it in your trunk or the back of your vehicle can save you from being stuck. 

A blanket

If you do get stuck in your vehicle for a few minutes or even a few hours, it is nice to have a warm blanket to cuddle up with to keep the cold Michigan winter out. 

The correct documents

No matter what the weather, you need to have the correct documents in your vehicle. This includes your vehicle registration, your current insurance coverage card, and your driver’s license. 

Sand/salt

If you are out, and it snows while you are at work or in the store, having sand or salt or a combination can help you get the traction you need to be able to get going. Especially if it is icy, the salt can melt the ice. 

A Halo

A Halo can give you a charge if your battery is objecting to the cold; it also can inflate your tire if the cold has caused it to lose pressure.  

Water and snacks

Having water and snacks in your vehicle can be a lifesaver if you are stuck in a traffic jam due to the ugly winter weather.  Make sure you choose snacks that have some shelf life, not fresh fruits or cookies. 

Get Insurance Coverage For Your Needs

Contact Bachmann Insurance Agency in Flushing, MI for all your auto insurance needs. 

As a new driver, you’ll appreciate the independence that driving offers in getting you where you want to go. Before taking off in your new car, however, you’ll need to make important decisions concerning auto insurance. Auto insurance is mandatory in Michigan, and the right policy will ensure you have adequate protection on the road. If you live in Flushing, MI or nearby communities, you can turn to Bachmann Insurance Agency for help in obtaining the coverage you need.

Importance of Insurance Coverage

Auto insurance isn’t one-size fits as different drivers have different protection needs. Oftentimes, new drivers are more prone to accidents due to their lack of experience on the road. Poor weather conditions, heavy traffic, lack of driving skills, and even nervousness can lead to an accident, resulting in injury or property damage. The right auto insurance coverage will ensure you’re protected against any eventuality, so you don’t have to pay for damages out of pocket.

Must-Have Auto Coverage for New Drivers

As a new driver, you want to ensure you have adequate coverage to protect you against accidents you may cause.

By law, Michigan requires that all drivers carry the following coverage:

• minimum liability coverage to cover injuries to others in accidents you cause
• personal injury protection (PIP) to cover your medical expenses in the event of an accident
• property protection insurance (PPI) to cover damage to the property of others in accidents you cause

In addition to this coverage, you may want extra protection in the form of collision or comprehensive insurance to protect your vehicle or vehicle assistance in case of breakdowns on the road. We’ll review your coverage options with you and customize your insurance package to suit your unique protection needs.

We Are Here To Help

For quality auto insurance coverage you can trust, contact your Bachmann Insurance Agency agent in Flushing, MI today.  

As winter approaches here in the Flushing, MI area, it’s important to make sure your car is in top shape, so you’re prepared for the colder weather. Bachmann Insurance Agency is happy to assist.

Here are a few tips from us on how to get your car ready for winter:

1. Check the battery:

Cold weather can affect the performance of your car battery, so make sure to test it ahead of time. If you find that it’s low on power or needs to be replaced, do so as soon as possible. 

2. Replace windshield wipers:

Replace old and worn-out windshield wipers with winter-grade ones; they will work better under cold temperatures and remain flexible enough to perform their job properly. 

3. Change oil:

Have your oil changed before winter comes around; this will help keep the engine running smoothly during the cold months ahead and reduce wear and tear on the engine. 

4. Check tire pressure:

Make sure that all your tires are inflated correctly according to their manufacturer’s recommendations – lower pressures in cold weather can cause you to lose traction while driving on icy roads. 

5. Winterize other fluids:

Also check other fluids such as brake fluid, coolant, power steering fluid, etc., and replace them if necessary.  

Get Auto Insurance Today

All these steps will help prepare your car for winter and ensure that you stay safe when driving during this season! For more tips, or if you have any questions about your auto insurance policy, give us at Bachmann Insurance Agency a call today. We proudly serve the Flushing, MI area and would be happy to help you find a policy that meets your needs and your budget.

If you are in the Flushing, MI area, it will be very important that you own a car. When you are looking for a new or used vehicle here, you also need to get the right insurance for it. A quality auto insurance policy will provide you with various benefits that will make it well worth the investment. 

Why Auto Insurance?

Comply with Law

One of the reasons that you will want to have an auto plan when in this state is so you can comply with state law. Anyone that wants to drive a car in Michigan will be required to carry auto insurance. At a minimum, you need to have liability coverage, which ensures you will be able to pay for damages if you cause an accident. Without this insurance, you could face penalties.

Protect Your Vehicle

it is also important to have an auto insurance plan to ensure you are able to protect your vehicle. If you are going to purchase a car, you will want to know that it is covered. With auto insurance, you will have support if your car is damaged in an accident or stolen. A full comprehensive plan with this coverage tends to also be required if you have taken out an auto loan. 

Give Us A Call

As you are looking for ways to protect yourself and your vehicle in the Flushing, MI area, getting a quality auto policy is a good idea. There are many choices to make when looking for coverage, so speaking with someone experienced is important. The professionals with the Bachmann Insurance Agency can help you build your next auto plan. Bachmann Insurance Agency is able to do this by carefully assessing your situation to help you build a plan that meets your needs. 

Auto insurance is a requirement if you have a car loan or are leasing and, in the state of Michigan, you must at least carry liability insurance. At Bachmann Insurance Agency in Flushing, MI, we make sure that all of our customers are in compliance with the state laws and also that they have the right insurance for their vehicle and their situation. 

Auto Insurance FAQs

What does comprehensive insurance cover?

Comprehensive insurance is called non-collision coverage. It covers a lot of different types of things that could damage your vehicle, including theft and vandalism. Weather issues such as strong winds, floods, hail, and lightning are covered by comprehensive coverage. It also covers for damage from a fire or a large animal like a deer hitting your vehicle. 

What are the Michigan auto insurance requirements?

Basic auto insurance in Michigan is 20/40/10. It is liability coverage. It translates to $20,000 for the first person hurt in an accident with a total of $40,000 for two or more people injured. That leaves $10,000 for damage to property. 

Does my auto insurance cover me or my vehicle? 

Auto insurance covers the vehicle. So, if you allow someone to drive your vehicle, they are covered by your insurance. If you drive someone else’s vehicle, their insurance covers you. 

Can adult children remain on the family policy?

If your adult child still lives at home, it is not a problem for them to stay on the family policy. If you have an adult child who is away at college and they have not changed their permanent address or is driving a family vehicle, it is fine to remain on the policy. Always check with your insurance agent to make sure. Some insurance companies have different rules about who can be on your policy. 

Give Us A Call

Contact Bachmann Insurance Agency in Flushing, MI for all your auto insurance requirements. 

Bachmann Insurance Agency proudly serves Flushing, MI residents. We are committed to helping our clients obtain the coverage to manage risks. We strive to provide service using trust and integrity. We will sit down with you and formalize a strategy. This allows us to offer you custom policies that align with your situation.

Underrated Auto Insurance Facts

Traveling around Michigan in your car may seem a regular occurrence. However, it’s essential to stay alert while on the road. That’s why auto insurance is an asset. Auto insurance covers you during emergencies. The policy covers any damage to your vehicle due to a collision with another car or object. In the unfortunate event that you are held responsible for the damages, liability coverage steps in to protect your assets. Liability coverage covers the necessary repairs for any property damage you’ve caused and any medical treatment if your vehicle hurt someone. Comprehensive coverage protects your car if it is stolen or damaged due to inclement weather. While looking over your policy, here are some underrated auto insurance facts.

Animal Collisions

If you are traveling through the Upper Peninsula, you may encounter some deer and other animals on the road. Comprehensive coverage protects you if your vehicle suffers damage from a collision with an animal.

Modified Coverage

Perhaps you plan to modify your engine in the future or have other accessories installed. You can add modified coverage to your auto insurance policy. This ensures that you will be fully covered if your car is damaged after the upgrades are installed. Having your vehicle appraised is also recommended.

Bachmann Insurance Agency Will Help You Protect Your Assets

Contact our office in Flushing, MI to learn more information about auto insurance.

Auto insurance isn’t just encouraged. It’s the law.

Like most states, Michigan has defined auto insurance requirements. In fact, their minimum coverage limits are more strict than most. And these guidelines are constantly evolving. Luckily, Bachmann Insurance Agency stays current. Serving Flushing, MI, their agents are experts at navigating these regulations. 

Using this knowledge, Bachmann Insurance Agency lists four essential items that any auto insurance policy must include.

Bodily injury liability

Michigan mandates liability coverage for all drivers. The first part of this protection is for bodily injury. If a collision results in serious injury to another motorist, this reimburses those expenses. By law, drivers must carry $50,000 for any single person involved. A total of $100,000 is needed per incident for all people.

Property damage liability

Another form of liability, property damage extends to any damage to someone’s property. While this applies most often to vehicle damage, it also includes the destruction of buildings and other structures. Michigan requires at least $10,000 in property damage coverage. However, in 2019, the state became a no-fault state. For this reason, property damage liability is most relevant for accidents occurring outside of the state.

Personal injury protection

Abbreviated as "PIP," personal injury protection specifically produces benefits for these no-fault claims. Unlike liability, this applies to you personally. It can pay a portion of lost wages, medical expenses, and other needed services that result from an incident.

Property Protection Insurance

Similar to property damage liability, this covers damage to "tangible property." But, it also applies to in-state destruction only. Any Michigan auto policy requires $1 million coverage.

Contact an agent serving Flushing, MI

Bachmann Insurance Agency knows that auto insurance is more than just a legal requirement. It protects you, your family, your assets, and other drivers on the roadways. Schedule an appointment immediately.

Auto accident liability is critical to understand for all drivers. And at Bachmann Insurance Agency, we can help drivers in and near Flushing, MI get the policies they need and provide high-quality coverage that will meet your needs as a driver.

Auto Accident Liability Explained 

Liability is a term that, in essence, means that you caused the accident and are at fault for it. In auto insurance terms, this means one of two different types of damage. The first of these is bodily injury liability protection. It covers any injuries that you may have caused in an accident. 

So, if you hit somebody else’s car while driving and caused them serious physical injury, your liability coverage would pay for their treatment. This would also include lawsuit situations, such as if they attempt to sue you for mental and physical suffering alongside their medical expenses. 

The second liability element consists of property damage protection. It covers all damage to property in an accident at which you are at fault. It often applies to other cars and may help repair or replace a damaged vehicle if you were at fault or liable for the accident. 

However, this liability protection also helps fix any damage to other property you may have caused. For instance, if you crash into a home and damage it with your car, your liability will pay (up to your limits) for the repairs. You cover anything after your policy limit. 

Get the Help You Need 

Do you need auto insurance that can handle these liability concerns? Then, please call us at Bachmann Insurance Agency right away to learn more. Our team helps Flushing, MI residents manage the unique difficulties of buying the best policy possible for your needs as a driver.

If you just bought a car in Flushing, MI, you are also aware that you are legally required to carry auto insurance. For first-timers, this can be confusing as to where you should start, especially with the many insurance companies around you. That is why Bachmann Insurance Agency takes you through some of the tips you should know when buying auto insurance.

Shop Around

You are always encouraged to compare rates from several insurance agencies to help you narrow down your search. Do not rush with the first policy you hear or what your friend has. Both of you might have different insurance needs. Take time and research and talk to about three agents from different companies. This allows you to make an informed choice.

Understand Which Coverage You Need

There are various coverage in the market, such as comprehensive, collision, and bodily injury liability coverage. Understand which coverage offers you adequate protection depending on your situation. You can also consult with an insurance expert if you are unsure, as they will help you decide.

Familiarize Yourself With Insurance Terms

Insurance terms can be confusing, especially for a first-timer. And if you do not get them, it will be impossible to know what you are buying. Familiarize yourself with terms like coverage, damages, deductibles, etc. If you do not understand anything, ask the agent to explain. After all, you are getting into a contract, and you have to know what you are getting yourself into.

Read The Document Before Signing

Before signing the policy document, please go through it and see that what you have agreed with the insurance company is what has been stated in the policy. Let the document reflect what you know you are buying as you are bound to the terms of that document.

Are you in the market for car insurance in Flushing, MI? Don’t hesitate to get in touch with Bachmann Insurance Agency for assistance in picking the right coverage that provides adequate protection.