7 Ways to Get Affordable Car Insurance

If you’re asking yourself “how do I find affordable car insurance?,” then we are glad you found us. We’re here to show you a few ways to find car insurance that is affordable.
1. Find a local insurance agent. Local insurance agents, especially those that work with Trusted Choice, "are dedicated to you and are committed to treating you as a person, not a policy." What does this mean? Trusted Choice agencies are here to offer you quality service and a quality product at a competitive price. Michigan Insurance Group agents love saving you money by educating you so that you can make decisions about insurance that are best for you. 
2. Drive safe. Do you have a few points on your record? An accident? Granted sometimes these are unavoidable but sometimes they are not. The good news is the points and accident will be removed from your record in time. Becoming a safer, cautious driver can have its rewards; including a better rate on your auto insurance.
3. Ask about discounts.  A Mult…

Is my ski equipment insured?

Did you know Michigan is home to the Midwest’s highest vertical drop? If you’re an avid skier, you may well know this and many other facts about Michigan’s rural and quasi-suburban skiing opportunities, both downhill and cross-country. In fact, Michigan is second-highest in the nation for the number of ski areas in a state.
With that in mind, you may be tempted to head right out to a park or the slopes, but don’t rush off without looking at your homeowners or renter’s insurance policy first. You want to make sure that your equipment has the proper coverage.

Many homeowner’s policies offer basic coverage for theft, fire and a limited number of other causes of damage to personal property, but high-value sports equipment might require a special addition to your homeowners or renter’s policy, such as an endorsement or a personal property floater. Your Trusted Choice®Independent Insurance Agent can help you determine if your policy needs to be enhanced to gain full coverage for your skis, b…

Why Should I Have Snowmobile Insurance?

Did you know that in 2016 there were 321,669 registered snowmobiles? Did you also know there are 6,200 miles of designated trails in Michigan? That’s a lot of snowmobiles and a lot of land to enjoy a snowy ride and have fun in white powdery snow. With that much land, and that many snowmobiles, that’s also a lot of chance for accidents, injuries and snowmobiles breaking down. Many of the misfortunes that could occur while snowmobiling can be more manageable with snowmobile insurance. If you’re wondering why you should have snowmobile insurance, here are a few good reasons:
With the right coverage you could get reimbursement to replace your sled if it is lost or stolen. Coming up with the money to replace your sled or cover a loan may not be easy. Comprehensive coverage takes the worry out of a fun sport!

If you have collision coverage, which is optional in some cases, you may be able to file a claim for damages to your snowmobile, whether it is caused by another person, collision with…

Sledding Safety

The weather might be 20 degrees with wind that makes it feel like 5 degrees but that won't keep the kids indoors. They are sure to dress up from head to toe in all their winter gear and find the nearest snow covered hill to go sledding. Before the fun begins it's important to warn them about sledding safety. Here are a few good reminders about sledding:

Winter Gear
When putting on snow pants, hat, gloves and a scarf cover as much skin as you can to try and avoid frostbite or hypothermia. Warn your kids of the signs of frostbite so they know when cold is too cold.

Look around before going down.
Check for fences, trees, other structures and traffic. What is at the bottom of the hill and what will you pass on your way down? Avoid sledding down hills with trees, bushes or hills that lead to a road. Don't sled on hills packed with ice, especially at the bottom because the landing will be much harder.

Sled together.
Adults and older kids should sled with younger kids. Younger kids …

Fireplace Safety

When it’s chilly outside, sitting by the warm fireplace with a cup of hot cocoa is a cozy way to relax in the Winter months. Before you sit down to sip your cocoa and enjoy the warmth of the fire, remember these fireplace safety tips:

Did you inspect & clean the chimney? We recommend hiring a certified chimney sweep at least once a year to inspect and clean your chimney before using it again for the first time.
Check the damper. Make sure the damper is open before starting the fire. You can check the damper by looking in the chimney; a mirror usually helps. Leave the damper open until the fire is done burning.
Ashes. Did you know the thicker the ashes in the fireplace, the more smoke is produced? Thick ashes will lessen air flow to the logs. Clean out cooled ashes before placing logs inside the fireplace.
Home Insurance. If you have a fireplace, or install a new fireplace, let your insurance agent know to update your policy, so that if there is damage or loss to your fireplace, you a…

5 Benefits Of Working With A Local Agent

5 Benefits of Working with A Local Agent
Going online to request a homeowner’s insurance quote, messaging your agent to add a new vehicle to your auto insurance, or calling to ask when your insurance renews, are all requests you could make to an insurance company and hopefully it’s as convenient as possible. Here are a few more of the convenient benefits of working with a local agent such as Michigan Insurance Group:

Multiple Carriers One of the great things about working with a local agent is that your auto, home/condo or renter’s insurance, motorcycle, snowmobile insurance, umbrella and business insurance are all in one place. This means you can contact the same person for questions on any of these policies.
Multiple carriers also mean more options for you. If one carrier isn’t the right fit, we have several others that could meet your insurance needs.
We do the work for you. Everyone loves shopping when it’s for something shiny or brand new. Shopping for insurance might not top your list…

Why install a fire-suppression system?

With the thought that the majority will be cooking a #Thanksgiving feast tomorrow we want to share information about containing cooking fires with a fire suppression system; a blog from the Michigan Association of Insurance Agents.
With today’s busy schedules, two working parents and more elderly people living at home instead of choosing assisted living housing, stove top fires continue as a primary source of house fires. Fires that start small in the kitchen can rapidly spread, especially when caused by unattended cooking. Such fires can occur even when cooking is left unwatched for small periods of time: while getting the mail, going to the bathroom, briefly conversing with a neighbor across the fence. In just minutes, fire can spread from a pan to cabinetry, causing disabling smoke and fumes.

If you forget something on the stove and leave to take a nap or a shower or run an errand, you could put lives in danger. This is a hazard for overly tired people, highly stressed people and …