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Did You Know?
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Did You Know?


Before traveling or relocating to another State make sure you contact your insurance agency to have a clear understanding of your coverage. When you relocate to another state, you need to get covered in that specific state. The only circumstance where you do not need to switch insurance to that state is if you are going to college out-of-state.

An incident can occur at anytime, you may think that you are exception and nothing will happen… However, incidents happen at any moment to even the most experienced drivers. You can take all the precautions, but there is still a risk no matter what especially with Michigan’s winters.

Consequently, it is good to know your automotive insurance coverage. Many people do not know their coverage plans and then when they need it the most they find out (and may not be happy with the coverage).

Purchasing A Vehicle:

When purchasing a vehicle, make sure you do your research on the type of vehicle you would be interested in. During this stage you will need to ask yourself a few questions:

  1. What is your price range? Will it work into your budget?  

  2. What will the radius be for the search?

  3. What will be the main purpose of the vehicle?

  4. Are you looking for something that will be a long term vehicle or short term?

Once you are able to answer these questions and maybe a few others that you may have to include, look for vehicles either online, driving around, word of mouth, social media, etc. After you find a vehicle or a few vehicles, do more research on the history of that vehicle (can use websites like CarFax). Researching that specific model of vehicle is good to do as well to determine reliability, gas mileage, etc. If you are still interested in this vehicle, make an appointment/ set a time to test drive the vehicle. During this stage, analyze the appearance of the vehicle (interior and exterior) and ask yourself a few other questions:

  1. How does it drive?

  2. What issues does it have? Are they minor issues?

  3. How much will you have to invest in the vehicle after purchase?

  4. Does it pass an inspection?

  5. Are you looking for more backseat, trunk, etc. space?

  6. What is the vehicle’s mileage?

  7. How is the interior (lights, gauges, A/C, and heat work; seats;etc)?

  8. How is the exterior (is there rust, dents or scratches; good tires; etc)?    

Considering these questions will help your decision making. In addition, have a third party inspection look over the vehicle. Also, know the state laws for vehicles. For example, if the vehicle has tint, in Florida you can have a darker tint than in Michigan.

Purchasing a vehicle is an investment and the way you take care of it will determine how long the lifespan of the vehicle and how many issues the vehicle can acquire. Remember to take care of the small things when you can to reduce the risk of causing other issues and have routine maintenance.

Michigan Driver’s License

In order to get a Michigan Driver’s License, individuals have to take both a knowledge and road test. Once the individual has passed both of these tests, the individual will need to go to the Secretary of State (make sure you look up their hours, as they vary). When you go to get your driver's license make sure you have proof of identity (birth certificate recommended, marriage licence, or passport), temporary permit, and certificate of passing the test. In addition, you have to obtain your temporary instruction permit for 30 days.

To obtain the temporary instruction permit, you need Social Security card, U.S citizenship/legal presence proof (birth certificate or passport), proof live in Michigan (pay stub, car insurance policy, or recent bill), pass DMV tests, and there is a $25 fee. This information is stated on the DMV website. For more information, follow this link to get more information: http://www.dmv.org/mi-michigan/apply-license.php.

State ID

As you may have read, from the Detroit Free Press or other sources, that individuals will receive a different driver’s license. There are some controversy from individuals on the subject; however, it is not until October 1, 2020 that the Real ID -compliant driver's license is required to travel via plane domestically- for those who have a standard driver's license. You may ask what is the differences between the Real ID and standard ID, the appearance difference is there is a star in the right hand corner of the Real ID. The Real ID allows individuals to travel domestically without a passport, as the Real ID is a security protocol and  prevents copying/altering ID (follow the link to learn more about the Real ID: http://www.michigan.gov/sos/0,4670,7-127-12539_81564---F,00.html. )  

* Teens will have to have an adult over the age of 18 years old with them when they have their pink slips.

Do you know any interesting facts regarding Michigan and automotives? Share with us in the comments.

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