Michigan

Google Takes on Auto Insurance

Posted on by Shield Insurance Agency

Is Google taking over auto insurance???

Big in the news is that you can now get auto insurance quotes from Google (CA only so far). They’ll shop a bunch of different companies and show you all the rates, then you can choose a policy and buy it. Pretty cool, eh? Many experts are kind of freaking out about how this will affect the independent agent and if it is the beginning of our demise! I absolutely beg to differ!!

Here’s (partly) why: When google asks a question “What liability limits do you want” and you see options of ‘state minimum’, ‘100/300’, or ‘500CSL’, do you know what to choose? And more importantly, WHY you should make a certain choice? An independent agent can help you answer that question. An independent agent can also help you make strategic decisions on deciding whether to decline a specific coverage. We are your partner in helping you get a policy that doesn’t over or under-insure you. Google also has tons of analytical data, such as speed limits, crash statistics, traffic stats, etc, which should help make it be able to estimate a price for insurance if they ever actually decided to sell auto insurance themselves.

But another great thing about independent agencies is that we can sell many other products along with auto insurance! Such as home, health, life, or business insurance. So, it makes sense for a person to keep all their insurance in one place, to take advantage of “multi-policy” discounts, and even just for simple ease of doing business. So, the customer doesn’t have to keep track of lots of phone numbers of places to call for insurance!! This is just the tip of the iceberg on this topic! But it’s definitely an interesting topic to see how certain groups are responding. Have a great day!


Thanks, Andy

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Animals in the Spring

Posted on by Shield Insurance Agency

Animals in the Spring

Remember: It’s getting warm out and that means that more and more animals will be on the move. So, stay alert. Pay attention to “deer crossing” signs. Scan down the road and off to each side. Be especially watchful in areas near woods and water. If you see one deer, there are probably several others nearby. Be especially vigilant during peak season. Though collisions can happen any time of year, fall is the peak time for deer-car crashes because it’s both hunting and mating seasons, forcing deer to roam outside their normal territory.

Use headlights smartly. At night, use high beams when possible to illuminate the road’s edges. If you see a deer far ahead, flick the brights on and off multiple times: Deer tend to fixate on headlights, so flashing them may cause the animal to scurry away. Watch out at mealtime. Pay particular attention at dusk and dawn, when these animals usually venture out to eat. Brake as necessary.

If you think you have time to avoid hitting the animal, reduce speed, tap the brakes to warn drivers behind you, and sound your horn. If there’s no vehicle close behind you, brake hard. Don’t swerve. If a collision seems inevitable, don’t veer off to avoid the animal. Your risk of injury may be greater if you do. Maintain control of the vehicle. Report the accident to the police and your insurance company.

by Dawn

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Escape to Best-Kept Secrets: Uncover Unique Michigan Vacation Spots!

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Shield Insurance Blog | Michigan Vacation Spots | Start a Quote Today!

About 2 hours north of Holland, Silver Lake has not only a picturesque lake for swimming, boating, and sunset watching but also dunes for buggies, trucks, quads, or jeeps; if you’re part of that club. With many cabins for rent and a few campgrounds, there is bound to be something for everyone.

A must on any unique Michigan vacation spot list has to be Mackinac Island. Accessible by ferry this island boasts many delicious fudge shops and quaint bed and breakfasts but NO CARS. That’s right, with no vehicles on the island (outside of public safety vehicles) you can ride around the island on bicycles or horse-drawn carriages without city traffic to slow you down.

And we can’t forget about the great city of Grand Rapids! Close to beaches and baseball, art and amazing food, Grand Rapids has the big city feel without having to leave West Michigan.

With only a few weeks left of Summer, there is no time to waste! Get out and enjoy our great state!

posted by Autumn

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Why Flood Insurance is a Must-Have – Don’t Get Caught in the Storm!

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Shield Insurance Agency Blog | Flood Insurance | Start A Quote Today!

Many people think of flood insurance as only for those who live right next to a large river, lake, or ocean. Did you know that flood insurance can be purchased by almost anyone, whether you are in a flood zone or not? Your typical home insurance policy does not cover claims associated with a flood. So, what is the definition of a flood you ask? A flood is “a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from Overflow of inland or tidal waters; Unusual and rapid accumulation or run-off of surface waters from any source; mudflow; Collapse or subsidence of land along the shore of a lake or a similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood.” (FEMA NFIP)

That definition doesn’t sound like it affects Michigan too much right? Wrong! Michigan ranked in the top 10 states for the total number of claims filed and the total claim payments for 2014. The NFIP (National Flood Insurance Program) reports that in 2014 there were 495 claims filed in the State of Michigan with total claim payments totaling $8,816,751. That’s Michigan only! The NFIP paid out more than $345 billion total in flood insurance claims in 2014.

Is flood insurance right for everyone, not necessarily, but it is worth looking into to protect your family and your investment. It’s important to know what is covered under your regular home insurance policy and what would be covered under a flood insurance policy. Just a couple of inches of floodwater can cause tens of thousands of dollars in damage.

The average flood insurance policy costs about $700 per year and there are a few different programs that homeowners fall into or qualify for. Every home location is different so it is important to check out flood rates for your specific location and not base your decision on your neighbor’s findings; yours might be very different.

I’ll blog next time about what is covered and what is not covered under a flood insurance policy. In the meantime, feel free to contact me with any questions or inquiries.

Tammy Kaptein

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ArtPrize

Posted on by Shield Insurance Agency

Did you know that right here in Grand Rapids is an event going on that is very amazing to go see! This event is Artprize!!

What is ArtPrize?

ArtPrize began nearly seven years ago as an experiment – a totally new event, unlike anything the world had ever seen, filled with the experiments of artists and the opinions of everyone. Anything from paper-made items to huge metal sculptures and everything in between!

The event runs from Sept 23 – Oct 11th. For 19 days, three square miles of downtown Grand Rapids, Michigan, become an open playing field where anyone can find a voice in the conversation about what is art and why it matters. Art from around the world pops up in every inch of downtown, and it’s all free and open to the public. With $500K in prizes.

I have gone every year so far and am totally amazed at what each and every person submits for entry into this event.

Here are some websites that you can go to, to find out more about this event and to see things from the years past events. Hope you go!

http://www.artprize.org/

https://www.artprize.org/about

Submitted by Dawn

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Springtime in West Michigan means tulip time!

Posted on by Shield Insurance Agency

Spring is here despite the snow and cold which means Holland’s Tulip Time is right around the corner! A long-established tradition for not only West Michigan but the world, Tulip Time helps Hollanders and others alike remember the area’s Dutch roots.  This year’s celebration is set for the second week of May from the 7th through the 14th. Starting with a 5k/10k run and ending with fireworks Tulip time has something for the whole family.

Did you know??

  • Tulip time started in 1928 to celebrate the area’s Dutch heritage. Only during WW2 did they discontinue the major festivities and only held a small flower show and music.
  • They first purchased 100,000 tulip bulbs from the Netherlands to plant around the city. They now have 4.5 million planted around the greater Holland area.
  • The festival activity of Klompen dancing started with just 12 dancers and has grown over the years to 1,000.

If you want to track the progress of the Holland Tulips you can visit the tulip tracker at http://www.cityofholland.com/parksandcemeteries/tulip-tracker-centennial-park 

Windmill Island is a special place during Tulip Time. The island is 36 acres with 150,000 tulips and a working 250-year-old windmill.

For more information on the parades, dancing, food, and tulips visit: http://www.tuliptime.com/

submitted by Autumn

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End of Summer Road Trip? Be safe! Be Smart!

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Shield Insurance Blog | Summer Road Trip | Start A Quote Today!

Whether you’re traveling alone, with a buddy, or with your spouse and a car full of kids, there are few things more “American” than the long-distance road trip. Countless vacation travelers will drive the highways looking for fun and making memories with every mile. If traveling down the “holiday road” is in your plans, take the time to prepare for your trip. You’ll have a more enjoyable vacation if you plan carefully. Here are a few driving tips, courtesy of Shield Insurance:

Summer Road Trip Safety

1) Maintain your car. Make sure your vehicle is up to date on its maintenance schedule, and be sure to check the battery and tires.

2) Plan your trip and know where you’re going. Call ahead for proper and safe directions to get you to your destination safely and have maps of the area on hand to help you navigate once you are off the main road. You’re more likely to make good decisions, even in dangerous situations, if you’re clearheaded and know where you’re going.

3) Be alert. Seems obvious, but driver inattention is surely the cause of a lot of accidents. If you stay focused behind the wheel and plan carefully, you will have a wonderful summer road trip.

4) Take precautions with a cell phone. Cell phones can be a lifesaver when you need immediate access to emergency services after an accident. Keep your phone within easy reach and get to know its features. However, use it prudently. Reports suggest that driving while talking on the phone increases accident rates.

5) Wear your seat belt. Whether or not it’s required by law in the state through which you’re driving, always wear your seat belt as a safety precaution.

6) Protect your car against theft. Help deter criminals from taking your car with steering wheel locks, switches that disable fuel or ignition systems, and electronic tracking devices.

7) If you’re in an accident. Taking immediate steps if you’ve been in an accident can protect your family and your car from further damage. Stop immediately and make sure your car is not blocking traffic. Turn off your car to keep it from overheating or catching fire. Warn oncoming cars using road flares or orange triangle reflectors. After you have protected yourself and your family, call your insurance company immediately.

8) Make sure your auto insurance is up to date. Before you even leave the driveway, you want to be sure you’re protected when you’re on the road and far from home. An independent insurance agent can provide the personal service and advice you need to travel in confidence.

submitted by Joe

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Giving Back To The Community

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Shield Insurance Blog | Giving Back | Contact Our Office

Giving Back To The Community

With the holidays right around the corner, it seems like we get busier and busier every day. We have to plan for Thanksgiving with family, Christmas celebrations, presents, and celebrating the start of a new year. We all tend to get so busy that we don’t always stop to look around and notice that not everyone might be as lucky as we are. 

There are many families that won’t be able to sit down to a nice meal at Thanksgiving or be able to provide even the most basic of necessities for their children. There are homeless people who won’t have a home to go to, children that won’t have gifts to open on Christmas, and families who won’t have enough food to celebrate Thanksgiving. 

As we enter the Holiday Season we should stop and reflect on how much we have and how much we can give back. It can be a simple as donating a toy to Toys for Tots or donating the clothes you no longer wear to a men’s or women’s shelter. We can also go as far as starting food drives, toy drives, and clothing drives. Nothing is impossible when we choose to give to those who are less fortunate. Take it upon yourselves this year to give back and bring a smile to those in need. There are a lot of non-profit organizations that would be very happy to work with those who want to give back. You can also provide children in the hospital with toy donations. We should want to give back not only during the holiday season, but every day, but this time of year seems to make a difference for a lot of people who are in need. It is a beautiful thing when we can give back to those in our community. While there is a lot of people who volunteer with organizations they never seem to have enough to fulfill all the responsibilities. I encourage you this Holiday Season to give back to at least one person who is in need because we never know whose life we could be changing by doing a simple act of kindness. 

Submitted by Gabi

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Michigan’s Four Seasons: A Journey Through Nature’s Spectacular Transformations

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Shield Insurance Blog | Four Seasons | Auto Insurance | Start A Quote Today!

Michigan’s Four Seasons:

Michigan is a state known for its breathtaking natural beauty and diverse landscapes. From the stunning shores of the Great Lakes to the lush forests and rolling hills, Michigan offers a unique experience in every season. In this blog post, we will take you on a journey through Michigan’s four seasons, exploring the spectacular transformations that nature undergoes throughout the year.

Spring: A Time of Renewal

As winter fades away, Michigan awakens to the vibrant colors and fragrant blossoms of spring. The snow melts, revealing the lush greenery that blankets the state. The cherry blossoms in Traverse City and the tulip fields in Holland are a sight to behold, painting the landscape with a riot of colors. Spring is also the time when wildlife emerges from hibernation, and birdwatchers flock to the state to catch a glimpse of migratory birds making their way north.

Summer: Fun in the Sun

Michigan summers are synonymous with outdoor adventures and endless fun. With over 3,000 miles of coastline, the state offers an abundance of opportunities for swimming, boating, and fishing. The Great Lakes provide a refreshing escape from the heat, and the sandy beaches beckon visitors to relax and soak up the sun. Summer is also the perfect time to explore Michigan’s numerous state parks and hiking trails, where you can immerse yourself in the beauty of nature.

Fall: A Tapestry of Colors

When autumn arrives, Michigan transforms into a breathtaking tapestry of colors. The leaves on the trees change from vibrant greens to fiery reds, oranges, and yellows, creating a stunning display that attracts visitors from near and far. The Upper Peninsula is particularly famous for its fall foliage, with the Porcupine Mountains and Tahquamenon Falls State Park offering some of the most picturesque views. Fall is also the season for apple picking, cider tasting, and enjoying the harvest festivals that dot the state.

Winter: A Winter Wonderland

Michigan winters are a true winter wonderland. As the temperatures drop, the state becomes a playground for winter sports enthusiasts. From skiing and snowboarding to ice fishing and snowshoeing, there is no shortage of activities to enjoy in the snow-covered landscape. The Upper Peninsula is a haven for snow lovers, with its abundance of snowfall and pristine trails. The frozen waterfalls at Pictured Rocks National Lakeshore and the ice caves at Sleeping Bear Dunes National Lakeshore are must-see attractions during the winter months.

All Four Seasons: Shield Insurance Agency isYour Trusted Insurance Partner

While exploring Michigan’s four seasons, it’s important to ensure that you have the right insurance coverage to protect yourself and your belongings. Shield Insurance Agency is here to help. With over 40 insurance companies represented, we can find the perfect policy to meet your needs. Whether you’re looking for auto, home, renters, or business insurance, our experienced agents will guide you through the process and provide you with a free quote.

Contact Shield Insurance Agency Today

Don’t wait until it’s too late. Contact Shield Insurance Agency today for a free quote. You can reach us at (616) 896-4600 or start the quoting process by visiting our website and filling out the form. An agent will be in touch soon to discuss your options and help you find the insurance coverage that gives you peace of mind.

In conclusion, Michigan’s four seasons offer a journey through nature’s spectacular transformations. From the enchanting beauty of spring to the mesmerizing magic of summer, the hidden wonders of fall, and the winter wonderland that blankets the state, Michigan is a destination that never fails to captivate. So, pack your bags, grab your camera, and embark on an adventure through Michigan’s four seasons. You won’t be disappointed.

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How To Get Rust Off A Trailer Hitch

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Shield Insurance Blog | Rust Off A Trailer Hitch | Auto Insurance

How To Get Rust Off A Trailer Hitch | Auto Insurance | Shield Agency

If you tow a camper, boat, or trailer you may notice your trailer hitch rusting. Prevent this with proper maintenance, regular use, and wax and/or painting. But if you have an existing hitch that’s rusted, there are several ways to remove the rust.

Removing Rust From Chrome Hitch

If you have a chrome ball or chrome hitch that’s showing signs of rust, simply ball up a piece of aluminum foil, dip it in white distilled vinegar or Coca-Cola and lightly rub the rusty spots. Rinse with warm water and dry with a soft clean rag. Follow up by polishing with two coats of any brand carnauba car wax.

Removing Rust from Iron Trailer Hitch

If you have an iron trailer hitch or hitch ball that’s beginning to rust you can remove the rust with Naval Jelly. First, remove any loose or flaking rust with a wire brush. Then apply Naval Jelly and allow it to sit for 5 to 10 minutes—no longer than 15. Rinse and repeat if any rust remains. Dry the metal and paint with an oil-based paint within 24 hours to prevent the return of the rust.

Rust Off A Trailer Hitch

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