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Atlas Insurance Agency

520 E. 4th Street
Royal Oak, MI 48067

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Should I Buy Rental Car Insurance?

When leasing a rental car, the salesperson will likely suggest that you remember to purchase rental car insurance. You might think you should ignore them since you already have auto insurance and don’t need more insurance. As a resident of Southeast Michigan, your auto insurance likely doesn’t cover all the perils that might befall your rental car. This is why at Atlas Insurance Agency, we suggest you consider the coverage that comes with rental car insurance. 

Do I Need My Auto Insurance to Rent a Car? 

You aren’t required to have your own auto insurance to rent a car, but you will expose yourself to great liability. To be safe, you should also purchase rental car insurance when renting a vehicle. 

Why should I Purchase Rental Insurance on Top of My Auto Insurance? 

  • Access loss-damage waiver (LDW)/ collision damage waiver (CDW)

You will get this waiver after purchasing rental car insurance. Although it’s technically not insurance, this waiver guarantees that the rental car company won’t pursue you if you damage the leased vehicle in an accident or it’s stolen. 

  • Access coverage for damage to property beyond the US and Canada borders

Your auto coverage likely only provides coverage for damage you cause with your rental vehicles to property within the US and Canada. You can purchase rental insurance with the supplemental liability protection option to get property liability coverage beyond the US and Canada borders. Even if you damage property within the US and Canada and have auto insurance, your insurance record will be tainted, and you will be charged higher premiums moving forward. 

  • To protect your personal property in your rental car.

Your auto insurance doesn’t cover personal property stolen from rental cars. You will need rental car insurance with personal effects coverage to protect your personal property in the leased vehicle. 

Contact Atlas Insurance Agency for rental car insurance assistance in Southeast Michigan.

Will A Speeding Ticket Increase My Auto Insurance?

Receiving a speeding ticket is never fun and to top it all off – your insurance is also likely to increase. Insurance companies use a complicated algorithm to determine your risk factor. Excessive speeding as evidenced by tickets, frequent claims due to accidents, your age, and much more all factor into how much your auto insurance premium is. To keep your insurance costs as low as possible, you’ll want to avoid doing anything that could put yourself, your passengers, or other people at risk. 

If you’ve received a speeding ticket, then it is all but guaranteed that your insurance will increase. Although it can vary from state to state, insurance typically increases about 25% in the period immediately following the ticket being reported. If you do receive a ticket, you’ve got a few options to avoid it increasing your auto insurance premium. One option may be to fight the ticket in court if you believe it was given to you erroneously or you have a valid and justifiable reason that a judge believes for why you were speeding. 

At the end of the day, the best way to maintain an affordable auto insurance policy is to operate your vehicle safely. While you can’t control what other drivers are doing on the road, you are in control of what you do and doing simple things like following the speed limit, avoiding being on your phone and obeying all traffic signs will keep you safe while also keeping your insurance premium at an affordable rate. 

For your insurance needs in Southeast Michigan, give Atlas Insurance Agency a call today to learn how we can help you. 

The Best Way to Shop for Auto Insurance

Shopping for car insurance is never an easy or enjoyable experience. Thankfully, we at Atlas Insurance Agency can help Southeast Michigan residents get the coverage they need using the simple process below.

Prepare Your Information 

When shopping for car insurance, you’ll need information like the VIN, the manufacturer, the year, model, mileage, and other information about your vehicle. You’ll also need your driver’s license numbers and information about policies that you’ve held in the past. 

Know What You Want 

Do you want a comprehensive coverage option or just an essential liability coverage choice? Do you want gap policies to cover your liability limitations? Long before you buy any policies, you need to understand these factors to ensure that you get the option that makes the most sense. 

Talk Directly to the Insurance Provider 

While you might find it is easier to buy online without talking to the provider, it is almost always a better idea to speak directly to the company offering you the coverage. Doing so will help make it easier to answer any questions you may have and minimize any complications. 

Discuss Potential Discount Options 

You might be surprised to discover that many insurance companies will provide discounts to people who do things like install anti-theft devices, take defensive driving courses, or have a high credit score. Talk to your provider before you buy a policy to learn more. 

Finding a Policy That Makes Sense 

As you can see, it isn’t too hard to find an insurance policy as long as you take the time to research your options. So please contact us at Atlas Insurance Agency if you live in Southeast Michigan. Our team will do what they can to provide you with the high-quality coverage that you need.

Required Auto Insurance in Michigan

Each state has its own laws about the type of auto insurance required for its drivers, and Michigan is a unique one with unusual requirements. If you have a vehicle, it’s a good idea to learn more about the many different types of coverage that the state requires. If you need auto insurance in Southeast Michigan, contact us at Atlas Insurance Agency to talk to our team about your specific needs. 

A No-Fault State

Michigan is classified as a no-fault state, meaning that if you are in an accident, you are responsible for your own medical bills no matter who set the accident in motion. Because of this, the state requires you to carry personal injury protection insurance, often called PIP. This coverage will pay for your medical bills associated with the accident. There are several PIP options available, so Michigan drivers choose how much coverage they want and need to stay legal.

Property Protection

This required type of insurance has a high maximum so that there is little chance of you having to pay out of pocket. The coverage pays for any damage caused by your vehicle when the accident happens within the state. It will also pay for damage that your vehicle causes to a parked vehicle. 

Residual Liability

This required liability coverage covers both bodily injury and property damage done by your vehicle. There are specific minimums for the amount of bodily injury coverage for each person who is either injured or killed. There is another mandatory minimum for the total amount for bodily injury for the total accident when it affects two or more people. The second part of this coverage is property damage liability. This part covers property damage that your vehicle causes when you are in a different state. 

Talk to an Agent

If you need auto insurance in Southeast Michigan, don’t hesitate to call us at Atlas Insurance Agency.