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.

What Is the Medical Portion of Auto Insurance Premiums?

When purchasing auto insurance, it's essential to understand the different components that make up your premium. One critical aspect is the medical portion, specifically covered under Personal Injury Protection (PIP). PIP is a key feature of auto insurance policies...

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What Is An Exclusive Insurance Agent?

Navigating the world of insurance can be complex, especially when it comes to understanding the roles and limitations of different types of insurance agents. One common term you might encounter is "exclusive insurance agent," sometimes referred to as a captive agent....

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Do I Need PIP Coverage if I Have Medicaid? – Michigan

One question that often arises is whether you still need Personal Injury Protection (PIP) coverage if you have Medicaid in Michigan. When it comes to car insurance, understanding the nuances of coverage options can be challenging, especially if you are already covered...

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Update On the Michigan Car Insurance Increase? April 2024

Welcome to our video blog providing an update on the latest developments regarding car insurance rates in Michigan as of April 2024. Contrary to expectations, rates have not seen a decrease this year; rather, they have continued to climb. In fact, many carriers are...

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What Categories Are Insurance Claims Broken Down Into?

Welcome to our video blog where we dissect the complexities of insurance claims. Today's focus: the categorical breakdown of these claims. Whether you've experienced a minor scrape or a major collision, grasping these categories is vital for maneuvering through the...

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How Have Some Insurance Installments Changed? (2024)

Welcome to our latest video, where we explain the evolving landscape of insurance installment options. Traditionally, insurance policies were often paid on an annual or six-month basis, allowing policyholders to pay the full premium upfront. While those options still...

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How to Switch Car Insurance

In this concise exploration, we provide a pragmatic guide for individuals wondering "how to switch car insurance" in a simple and cost-effective way. Understanding the need for a change is the first crucial step—whether it's due to high costs, inadequate coverage,...

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Do Points Affect My Car Insurance?

Welcome to our video titled "Do Points Affect My Car Insurance?" In this insightful discussion, we delve into the relationship between traffic violation points and your auto insurance premiums. The speaker recounts a personal experience of going to court for a traffic...

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How Are Some Insurance Payment Structures Being Impacted?

Have you ever wondered how changes in payment structures could affect your insurance premiums? Well, you're not alone! In this video blog, we're diving into the evolving landscape of insurance payment options, shedding light on how the traditional yearly or six-month...

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What Are the Benefits of Different Billing Types?

Welcome to our upcoming video, "What Are the Benefits of Different Billing Types?" In this insightful discussion, we uncover a money-saving opportunity that often goes unnoticed: your insurance billing type. We'll walk you through how making a simple change can lead...

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What Is the Difference Between Canceling And a Nonrenewal?

In the world of insurance, it's important to know how your insurance works. Sometimes, people hear about "canceling" and "nonrenewal" when dealing with their insurance, and it can be confusing. This video is here to help you understand the difference between these two...

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Should I Consider Online Quoting For Insurance?

Before you jump into online insurance quoting, it's smart to be cautious. While the idea of going digital might seem super convenient, insurance is a bit like a maze – it's tricky and full of details you might miss without some know-how. So, before you start punching...

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What Are My Payment Options For Insurance?

Decoding Insurance Payment Options! Curious about the best way to pay for your insurance? In our latest video, we're unraveling the mystery behind insurance payment methods. From EFT to credit card payments and direct billing, each option comes with its own perks....

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Does Car Insurance Cover Rental Cars?

Check out our latest video where we tackle the burning question: "Does Car Insurance Cover Rental Cars?" Whether you're planning a vacation or need a temporary set of wheels, understanding your car insurance coverage is crucial when renting a vehicle. We'll guide you...

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What Is PLPD?- Insurance Term

Welcome to our video FAQ titled "What Is PLPD?" PLPD stands for "Personal Liability and Property Damage" insurance. Understanding PLPD is crucial for drivers and vehicle owners, as it represents a specific type of auto insurance coverage. We'll explore the fundamental...

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What is Liability Insurance Coverage?

Are you wondering what liability insurance covers? Let's cover the topic surrounding liability insurance and its crucial role in safeguarding you from potential financial pitfalls. Liability insurance is a fundamental aspect of personal and business protection,...

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Does Homeowners Insurance Cover Vandalism?

Welcome to our insightful video titled "Does Homeowners Insurance Cover Vandalism?" First, we tackle a question that concerns many homeowners – whether their insurance policy provides protection against acts of vandalism. Vandalism can be a distressing and costly...

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What Does Personal Property Insurance Cover?

So what does personal property insurance cover? In this informative video, we cover the essential aspects of personal property insurance. Also, we shed light on what it covers and how it safeguards your valuable possessions. Whether you're a homeowner or a renter,...

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What Is Hazard Insurance?

When we mention hazard insurance, we are essentially referring to homeowners insurance. It encompasses the standard coverages that are included in a typical homeowners policy, such as dwelling coverage, personal property coverage, liability protection, and coverage...

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Does Entrust Insurance Offer a “Good Student” Discount?

If you have a young driver in your household who is currently attending high school or college and meets the driving age criteria, we have some good news for you. Many of the carriers we work with offer a "good student" discount, which can help alleviate the financial...

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How Often Should I Update My Insurance Coverage?

Today's topic is one that often confuses many policyholders: "How often should I update my coverage?". Life is constantly changing, and so should your insurance coverage. For example, whether you're experiencing a significant life event, purchasing a new vehicle, or...

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What Is GAP Insurance?

GAP insurance (Guaranteed Asset Protection insurance) is a type of car insurance that covers the difference between the amount you owe on your car loan and the actual cash value of your car in the event of a total loss. This type of insurance is designed to protect...

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Why Is Now The Time to Shop For Insurance?

Now is the time to shop for insurance! It's often best to shop for insurance at the beginning of the year because insurance companies typically make changes to their policies and rates around this time. These changes can impact your insurance coverage and the cost of...

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How Are Insurance Agent’s Competing For Your Business?

Today, we'll be discussing how insurance agents are competing for your business. As a consumer, you have many options when it comes to purchasing insurance. With so many companies and policies available it can be overwhelming to make a decision. This is where...

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Where Should My Expectations Be With Insurance Agencies?

We'll be discussing insurance agencies and where your expectations should be when working with them. Insurance is an essential part of our lives, providing us with financial protection in case of unexpected events such as accidents, illnesses, and natural disasters....

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How Can I Really Know My InsurancePolicy?

So how can you really know your policy? Do you understand all of your coverages? You have the right to ask your agent for your detailed policy. Ask any questions you may have to gain a full understanding of your policy. It's good practice to go over your policy like...

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What Should My Expectations Be With My Insurance Agent?

You should have expectations for your insurance agent. Clients should not be neglected. You and your policy matter. That being said, you deserve the best service. Pay attention to your interactions with your agent. Every agent can show you how much they care through...

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What Shouldn’t You Focus on Insurance Price Alone?

Are you searching for a new policy? Shopping insurance? The main reason we hear people shopping is because of price. However, this isn't the end all be all. Your policy matters. It's your safeguard against tragedy or disaster. Therefore, your policy must be...

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What is LPQ (Lowest Possible Quote)? – Insurance Term

LPQ is a term coined by one of the bigger exclusive carriers. It's not very accurate as it is used as a sales tactic to draw you in. Your end result will typically always be higher than the initial cost that was appealing. Remember, cost isn't the only important...

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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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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 Insurance 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 Insurance 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 Insurance 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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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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What is the difference between a flood and a water backup?

A common question lies between floods and water backups in terms of the insurance. What classifies as one or the other? do you need a separate policy for both? We'll go over the differences so you can have a clear idea of how the policies work. Flooding Defined By...

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What is the average cost of insurance?

When it comes to any insurance policy, a lot of factors are at play and everyone's situation is different. That being said the "average" cost of insurance doesn't really exist. From homeowners insurance to a simple auto policy, the factors can seem endless. Just...

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What is commercial trucking insurance?

Commercial truck insurance is a type of insurance that protects trucking businesses or businesses that use trucks for the transportation of goods. This insurance also includes coverage options for independent truck drivers. There are many factors and options to...

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How do I choose between multiple insurance quotes?

As you're out shopping for insurance, you are likely getting quotes from multiple insurance agents. The best way to choose between multiple insurance quotes is to look beyond just the policy amount. Yes, the price matters and you should consider it especially if some...

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What factors impact my insurance rate?

Between auto insurance and homeowners insurance there are roughly 70-100 factors that impact your policy rate. Some factors have more of an impact than others, but the reality is that each insurance company takes a slightly different approach to these policies and...

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I just got married, what should I do about my insurance?

First of all, congratulations! It's smart to be asking yourself this question about your insurance now that you're married. You should certainly speak to a insurance agent about this major milestone as you may be eligible for saving on your insurance policy by...

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What is an insurance deductible and why does it matter?

Your insurance policy deductible is simply the amount you are responsible to pay in an incident that is covered by your insurance. In most situations that are covered by your insurance provider, you will need to pay the amount of your deductible before your insurance...

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How do I shop for auto insurance?

Shopping for auto insurance can be a challenge, especially if you’re not really sure what each quote is based on. One study shows that 28% of drivers think they are paying too much for car insurance. Luckily, there are ways you can find out if that is the case. It...

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