For those that are in the Rochester Hills, MI area, having auto insurance is very important. Not only will it protect your car, but it will also give you liability protection if you are found to be at fault in an accident. Further, it is also required by law that you carry at least the minimum level of liability insurance. If you are caught driving without this type of insurance coverage a number of negative situations could arise.
Lose Your License and Get Fined
If you are caught driving without auto insurance one penalty that you need to be aware of is the risk of losing your drivers license and being fined. Auto insurance laws are taking very seriously in the state and if you do not have it in place, your punishment could include not being able to drive for months at a time.
Most importantly, if you don’t have auto insurance, you will still be liable for the damage that you caused. This means that you may need to come out of pocket in order to make restitution. If you are not able to do so immediately, you likely will have to enter into a court-ordered repayment plan until the debt is paid off.
For those that are in the Rochester Hills, MI area, it is clearly very important that they have auto insurance in place at all times. When you are looking for your next auto insurance policy, you should speak with the team at Guy Hurley McNeil insurance agency. The Guy Hurley McNeil insurance agency can help you to better understand your auto insurance needs. This will help to make sure that you get into a policy that provides you with the right level of coverage.
Many states provide incentives to homeowners through discounts in their insurance for improvements. In most situations, this includes upgrades to windows, roofing, or other structures around the home to make them more safe and durable by using new technology. After these changes are made, the homeowner in Rochester Hills, MI can contact an agent such as Guy Hurley McNeil and receive a credit on their insurance payments and the costs will go down.
Alarm or security systems are one option that may lower insurance costs. Most policy providers look at the reduced risk of robbery or vandalism from surveillance and security systems as an important upgrade. This is because having to pay out for stolen valuables and property damage can be a huge expense for the insurance company. This can lower insurance costs by up to ten percent annually.
Upgraded windows are another common source of savings. Many states have some risk of damage caused by wind, hail, or excessive amounts of rain and snow. When a window shatters and water damage occurs inside the house, the associated costs for repairs and replacements can be significant. Many modern stormproof windows are practically bulletproof, making them extremely unlikely to crack, which will create savings over the years.
The roof is also another constant source of concern for homeowners. Shingles and tiles are subject to exposure to sunlight, rain, snow, and all kinds of weather throughout the year. A roof also needs to be repaired regularly to prevent leaking and other forms of damage inside the house. Roofing can be expensive, but a homeowner can definitely recoup some of the prices through discounts.
For more information about homeowner’s insurance, contact Guy Hurley McNeil. This agent serves Rochester Hills, MI and surrounding areas.
Rochester Hills, MI is one of many places where it feels as though it would be difficult to get by without driving. At Guy Hurley McNeil, we work hard to help people find the best auto insurance to fit their circumstances while keeping the premiums as low as possible.
There are ways that drivers can get discounts, and we also work to help find extra discounts. The last thing anyone wants is to pay more than is necessary for a needed policy.
Here are some of the best car insurance discounts:
- Good Driver (or Safe Driver) is a discount you can qualify for if you have not been at fault in an accident in the past 3 to 5 years. A good driver discount will also require you to have a clean driving record, with no moving violations like speeding or running a stop sign.
- Good Student discounts may be awarded to individuals up to the age of 25 who have at least a 3.0-grade point average in high school or college.
- Low-Income Senior discounts will benefit people who have reached a certain age, such as 62, who can prove they don’t have a high income.
- Customer Loyalty discounts are some of the most common. After you find an insurance company you are comfortable with, you can save money by renewing early, using the same company for multiple policies (like home and auto), or paying six months or a year at a time. You may even be able to get a discount for going paperless.
There may be other discounts you qualify for, as a driver in Rochester Hills, MI. If you would like to see if there are discounts you may qualify for, or if you just want to find a better price on your auto insurance, please call Guy Hurley McNeil today.
If you’re looking for home insurance in Michigan, there are a few ways you can easily save money on your premium. At Guy Hurley McNeil, we serve the Rochester, MI area and are available to help you find the right home insurance while saving you money. Read on to learn more.
Bundle Your Policies
Chances are you already have an insurance policy. Whether you have auto insurance, motorcycle insurance, or even life insurance, the trick is to bundle your policies together under one insurance company to save money on your premiums. Insurance companies love to reward loyal customers and this is just one way they go about it.
When it comes time to protect your home, a very important asset, you’ll want to choose the best policy by comparing at least two or three quotes from different insurance agencies. Not all quotes will carry the exact same coverage, deductibles, and premiums. That’s why it’s important to compare quotes to find the right coverage at the right price for your exact home insurance needs.
Work with a Reputable Agent
While the above tips seem straight forward, it is best to work with a reputable agent that will help you bundle and compare quotes to get the most out of your home insurance policy. A trusted, reputable agent will be able to help you with this step-by-step and answer any questions and concerns you may have along the way.
Are you ready to purchase home insurance in Rochester Hills, MI? If so, contact the team at Guy Hurley McNeil. They serve this area and are available now to help you purchase home insurance. Call today.
One of the biggest financial factors in driving is the cost of car insurance, which relies heavily on your age. Generally, younger drivers and seniors pay more for vehicle insurance. Costs typically decrease after your teens and early twenties, until you hit sixty when your rates rise again.
Car insurance premiums are generally highest among drivers in the 16 to 24-year old range. According to recent research, the average car insurance costs are highest from 16 years of age to 21 years of age. At 25, vehicle insurance costs tend to decrease sharply and continue declining as you get older. After the age of 55, car insurance premiums slowly start creeping back up, especially between the ages of 60 and 65, typically returning to the rates 25-year-old drivers are charged. Guy Hurley McNeil explains why below.
Why Teens and Seniors Pay More For Car Insurance
Car insurance in Rochester Hills, MI or metro Detroit is more expensive for teenagers and elderly drivers because statistics indicate that those demographics are more likely to get into car accidents than other age groups. In fact, according to the Insurance Institute For Highway Safety, drivers between the ages of 16 to 19 are three times as likely to be involved in a collision than those from 20 to 50, even though they only account for 7 percent of licensed drivers.
When it comes to older drivers, the fact is that aging is often behind many accidents. Older drivers generally have slower reflexes and poorer eyesight, which can affect their driving ability. Insurers often charge senior drivers age 70 and above as much as they would charge a driver who is 25 as a result. Of course, your driving record and number of accidents you’ve been involved in will also impact your insurance rates.
To find the best automobile coverage for your age group, contact the Rochester Hills, MI insurance experts at Guy Hurley McNeil today.
Winterizing your Home
Protecting your home from the winter weather can also help protect yourself from home insurance claims in Rochester Hills, MI.
- Protect Pipes: Frozen pipes can lead to thousands of dollars in flood damage. An easy way to protect your home from water damages it to prevent pipes from freezing in the first place. Wrap any crawl space and basement pipes with insulation and be sure to cover any exposed pipes. Open cabinet doors to let warm air flow around them and let the faucet drip to keep water moving.
- Install a Carbon Monoxide Detector: Furnaces and other heat sources can leak carbon monoxide and, if not properly ventilated, can be deadly. Protect your family by having a carbon monoxide detector on each floor of the home.
- Clean Storm Drains and Gutters: Regular cleaning of any storm drains or gutters can help prevent ice buildup, cracking gutters, and any melting snow that leaks into the basement. If you are paying to get your gutters cleaned, contractors will also do a check up on the roof, which is also good.
- Seal Air Leaks: Sealing air leaks will help keep the warm air in the home and save on energy costs.
- Use Fiber Cement Siding: Fiber cement siding isn’t only good for winter months, but in the winter it can help combat the extremely cold temperatures and is five times thicker than vinyl siding. In the other seasons, it helps resist mold and moisture and is resistant to pets and fire damage.
- Trim Branches: Trim branches away from the roof or hire a tree removal service to get rid of any branches that could be a threat to the home, driveway, and yard.
Ask an agent at Guy Hurley McNeil if you get any discounts from winterizing your home. Contact Guy Hurley McNeil, serving Rochester Hills, MI, to get a quote on home insurance.
Generally, most auto insurers acknowledge that people tow small trailers with their vehicles. For example, one of the images of traditional Americana is the camping trip via the camper trailer or the fishing trip with the boat trailer. And in that respect, especially if the vehicle is the type that can tow, the risk is carried in the general language of the auto policy provided.
There are a couple of requirements that need to be met by a Rochester Hills, MI car owner. First, the trailer used needs to be licensed and valid if used on public roads. This allows the insurer to see reference and see the trailer in the state DMV records to verify it’s load type. Second, the drivers needs to obey traffic laws involved. Traveling with a trailer often involves driving at slower speeds and staying in the right lane on a highway. DMV manuals in every state spell out these rules for drivers. Third, a car’s hitch and equipment need to be used properly. However, not every insurance policy or car is automatically covered. For example, a compact should not be saddled with a hitch and expected to carry & tow a full extra-length boat trailer. It’s simply silly and extremely dangerous. It’s also very likely to cause an accident as well.
If you want to begin using a trailer on a regular basis in Rochester Hills, MI or the surrounding area, do yourself a favor and give Guy Hurley McNeil’s office a call. Not only can the staff there confirm exactly how trailers are covered, but they can also show you policies available that will provide coverage if yours doesn’t or your current insurer doesn’t want to handle trailers at all. But don’t find out the hard way after an accident. Call Guy Hurley McNeil first and drive safe!
There’s no question that theft can be a devastating event for homeowners. After all, your home is full of items that are both monetarily valuable, but that also hold emotional value for you and your entire family. This is why it is so important for you to purchase the right homeowner’s insurance policy from a reputable insurance company to protect your home in Rochester Hills, MI. The team at Guy Hurley McNeil can help you achieve this.
If you have ever experienced a break-in or theft, it’s important you contact the police immediately. Once you have done this, contact your insurance company.
Coverage for Theft
A typical homeowners policy includes coverage for all of your personal property. Any loss resulting from theft is usually included as a part of the protection you receive for personal property. What this means is if an intruder breaks into your home and steals valuable items, then your insurance will cover it once your deductible has been met.
The majority of policies will also provide coverage for your items even if they are away from home and stolen; however, there are some limitations to this. It’s essential to fully understand the scope of your policy to determine what is and is not covered.
Purchasing Insurance that Protects Your Valuables
It is imperative that you purchase the right insurance policy for your needs. Take some time to speak to a reputable insurance agent to find out the type of coverage you need to ensure your home and belongings are fully protected from theft of any kind. By doing this, you will have greater peace of mind.
To purchase insurance to protect your home or belongings or to have your questions answered, contact Guy Hurley McNeil, who serves the Rochester Hills, MI area today.
There are many variations and add-ons to consider when selecting auto insurance. The right add-ons depend on your driving habits and how much time you spend in the car. At Guy Hurley McNeil, our team is ready to help you and your family find the right auto insurance add-ons while living in and around Rochester Hills, MI.
You never know when you might need help on the side of the road. Roadside assistance provides an assortment of coverage including towing, tire repair, and a new battery. This is a valuable addition to consider.
Uninsured Motorist Coverage
In the state of Michigan, it is no fault. So regardless of who is at fault, your insurance coverage will provide you with assistance. However, there are times where an uninsured motorist may damage your vehicle when you are not driving. It may also cause added injuries. In these instances, you need to consider uninsured motorist coverage.
Personal Injury Protection
If you are injured in the event of a car accident, medical bills can quickly add up. Your health insurance policy may not cover everything, leaving you to foot the bill. With the help of personal injury protection or PIP, the insurance coverage will go the extra mile to help pay for your medical bills. It can also help with the loss of income and funeral costs as well. So you may want to consider adding personal injury protection add on to your insurance coverage.
Whether you live in Rochester Hills, MI or in one of the surrounding communities, it is important to find the right auto insurance coverage. From standard insurance to add-ons, our team at Guy Hurley McNeil is here to help you with all of your auto coverage needs.
If you own your home, you probably understand that your home insurance policy covers the damage or loss of your home. What about all of the items inside the house, your personal property? Well, in Michigan, that is covered by your home insurance policy too.
Guy Hurley McNeil Insurance & Surety Services in Rochester Hills, MI provides home owner’s insurance to the entire state of Michigan.
Types of Home Owner’s Insurance
There are two main types of home owner’s insurance in Michigan. They are:
- Broad coverage (HO-2)
- All Risk coverage (HO-3)
A broad policy covers damage from specifically listed perils while an all-risk policy, the most common type, covers the home from all risks other than those that are specifically excluded. All risk policies generally include the contents of the house and your personal property against perils that are covered like those in broad coverage. Broad policies are also referred to as “named peril” policies as the risks protected against are designated within the policy.
A typical policy has seven significant parts that are denoted by consecutive letters, A through G. The section dealing with your personal property is part C. Each section has its own exclusions and limitations and needs to be carefully understood to ensure that the protection you have is the protection you need.
On-Premises or Off-Premises
The protection extended to your property does not end when it leaves your home. This coverage may have further limitations than those for your items while on-premise.
Furthermore, certain items are considered “special items.” These items have specific limits and may need additional coverage. Special items may include:
- Computers and electronics
Having an inventory of your property can help you to ensure you get the right coverage.
For more information, give Guy Hurley McNeil Insurance & Surety Services a call at 586-731-1180 or stop by our offices in Rochester Hills, MI today.