Auto, Home & Insurance FAQs

We get a lot of common questions when it comes to insurance. This is where you can get answers to your insurance questions.

Do I Qualify to Remove PIP Coverage Under Michigan Law?

Do you want to know if you qualify to opt out of PIP coverage on your auto insurance policy? What determines if you qualify? Personal Injury Protection (PIP) used to be mandatory. This proved time and time again to be quite expensive for Michiganders. Let’s go over...

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What Deductible Amount Is Recommended?

You have different deductible options for your insurance policy, but what is the most sensible option? You can have either a higher deductible or a lower one. A higher deductible may offset monthly costs but not in the long run. For example, if a tragedy happens then...

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Should I Speak to an Agent or Quote Myself Online?

It is a huge benefit for you to speak to an agent. Why? Insurance companies do not want you to make a purchasing decision without understanding how your insurance policy is built and how it benefits you. Companies like us are client focused. We will educate you on...

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How Are First-Time Home Buyers Affected By Market Values?

Is it possible for the housing market to affect my policy as a first-time home buyer? The answer is yes. There are many factors that come into play. Your premium has a lot to do with your home's market value. Home values have exponentially risen in a very short amount...

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How Can the 2022 Housing Market Affect My Insurance Policy?

Is it possible for the housing market to affect my policy? The answer is yes. There are many factors that go into play when determining your premium. A major piece of that is the value of your home. If you bought a home 3 or more years ago, your home value has likely...

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What Are the Different Types of Agents?

Are you wondering what the different types of insurance agents are? Captives have their pitfall which includes not being able to shop more prices for you. Brokers are able to get you the best price and coverage possible by shopping all different insurances for you....

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Is There Going to be A 2022 Michigan Auto Insurance Refund?

Wondering if there is going to be an auto insurance refund in 2022? The answer is yes! We've been receiving a lot of questions about it. Not everyone will be receiving the same amount. It is all dependent upon a person's situation. We gathered as much information as...

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What is Permissive Use?

Ever wondered if your insurance will cover an accident if someone else is driving your vehicle? Depending on the situation, insurance will have your back and permissive use will come into play. We often get asked a lot about this. Most people think if someone else is...

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How Has 2021 Affected Insurance Rates in 2022?

With many floods and other disasters that fell upon different parts of Michigan in 2021, comes an adjustment of rates this year in 2022. How exactly does this affect you? Depending on what city you live in, your situation could be different. Overall, many disasters...

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My Premium Has Increased! What Are My Options?

So you got this month's bill and your premium has gone up. What now? It can be frustrating and exhausting when your premium is constantly fluctuating. You want the best premium possible for your situation. Work with a broker to shop all of your options for the best...

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What Are The Risks of a Do-It-Yourself Policy?

Sure, you could go online and set up your policy without an agent...but what are the risks? Without a trusted agent, there are a lot of details that could be missed. Also, there are potential savings you could be missing out on. At the end of the day, working with an...

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Why did my friend/family save more when switching?

Do you ever see those ads promising to save you $700 on your insurance if you switch? People often try it and are confused why there are discrepancies in the amount of savings between them and a friend/family after switching. These ads are often false and come with...

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Does insurance cost more with an agent?

We often get asked if insurance costs more with an agent. The quick answer is…no! It's a common misconception that using an online insurance company, like Geico, would be cheaper but this isn't the case. The truth is, an effective insurance agent can help policy...

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What are the three pillars of Entrust Insurance?

There are three pillars Entrust Insurance Agency lives by. The three pillars include coverage, cost, and client experience. You deserve the best in each department, so don't settle for less. If you are working with a company that doesn't show care for these things,...

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What should a proper insurance experience look like?

You deserve a proper insurance experience. No matter what your situation, you have the right to an adequate transaction with the insurance company of your choice. Your agent should be communicative, caring, and honest. This can mean something as simple as remembering...

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