Tips to Avoid an Accident in Michigan

Posted on April 27, 2020April 27, 2020 by admin

A bad driving record can negatively impact your insurance premiums in Michigan. However, there are things you can do to reduce your chances of getting into an accident. Contact Dalessandro Agency Inc. in Grand Rapids, MI for information on your car insurance and follow the tips below to avoid an accident.

Tips to Avoid an Accident (and Insurance Claim)

These tips can keep you and your passengers safe and help you avoid an accident.

Drive Defensively not Offensively

Teens and adults alike are usually in a hurry to get where they’re going. Rather than driving aggressively, try to follow traffic rules and stay under the speed limit. In short, focus on arriving alive and pay attention to what’s going on around you.

Wear Your Seatbelt

Wear a safety belt and ensure your passengers do too. This may not prevent an accident, but it’s an essential habit for responsible drivers.

Stay Sober

Whatever you do in your own life is your business. However, when you get behind the wheel after a few drinks or taking drugs, it puts others at risk. It may also impact the viability of an insurance claim you file after driving under the influence.

Limit Your Passengers

New drivers should limit their passengers to avoid distractions.

Train for Driving in Bad Weather

Practice slowly on local roads or an empty parking lot during a light rain shower. This helps you understand how driving conditions change in poor weather and may prevent an accident.

Pull Over to Answer Texts and Calls

If you can’t turn your phone off, pull off to the side of the road to answer texts, or take emergency calls.

These tips and tricks may be obvious, but it’s very easy to set them aside when they aren’t convenient. Follow up with your Dalessandro Agency Inc. representative to make an appointment to get a car insurance quote in Grand Rapids, MI today.

How commercial insurance can save your business

Posted on March 27, 2020March 27, 2020 by admin

As a business owner in Grand Rapids, MI and the surrounding area, you know that there are things that can happen that can harm your business. You have a lot of work to do between your customers and staff. You have records to keep and bills to pay, and it can be a little overwhelming. Having someone to help you navigate the complicated world of commercial insurance can take one worry off your plate. The agents at Dalessandro Agency Inc. can tailor a policy to fit your particular needs.

Commercial insurance is not one size fits all. Not every business will need every type of commercial coverage. Depending on the type of business that you are conducting and the location of your business, your needs may not be the same as any other customers.

Liability coverage is something that just about every business will need at one point or another. It covers a variety of things that you can be sued for. It could be that someone is hurt on your premises or by one of your products. It could be something you said that someone took offense to, or it could be a disgruntled former employee. No matter what, this coverage will keep you in business.

In Michigan, most employers need to carry worker’s compensation for their employees. The agents at Dalessandro Agency Inc. know the rules and will help to make sure that you comply with the law.

Commercial property insurance protects the building where you do business, whether it is Grand Rapids, MI or another area city. But there is more to your business than the building. There is the inventory, the machinery, the office equipment, and supplies. You can’t do business without these.

Commercial insurance can save your business. Come in and sit down with the agents at Dalessandro Agency Inc. and let us talk to you about the perfect coverage for your business.

Do I have enough home insurance coverage

Posted on February 14, 2020February 14, 2020 by admin

Buying a home is the most significant investment most people will ever make. Protecting that investment is essential, and home insurance is how you do that. If you have a mortgage, the lender will require that you keep enough coverage to protect their investment, but the amount of your mortgage is likely a lot less than the actual value of your home. When was the last time you took a good look at your home insurance policy to see the amount of coverage that you have? If you are like many people, it has been a while. If you live in the Grand Rapids, MI area, Dalessandro Agency Inc. has the knowledgeable staff to help you evaluate your policy and determine if you have enough home insurance coverage.

Home insurance has several different coverages. It offers a dollar value for the replacement of the actual structure of your home. It has a sperate amount for other structures on your property, such as a detached garage, casita, or shed. Your personal possessions have another value, and then there is important liability coverage. How do you know if the coverage you have is enough?

You need to ask yourself some questions

What is the actual value of my home? Keep in mind that if you check the value online, it includes your lot as well as your home.
Have you made any significant upgrades that your insurance agent isn’t aware of that would increase the value of your home?
Do you own expensive items that may need additional coverage?
Is your liability coverage adequate to protect the assets that you have?

After you have answered these questions, why not call the office of Dalessandro Agency Inc. and set up an appointment to discuss your home policy. The team knows about values in Grand Rapids, MI, and can help make sure you have enough home insurance.

Dalessandro Agency Inc

Get a quote now