(Photo : Pexels)

Few people want to be judged for anything other than the content of their character, yet unfortunately, that’s not always the way the world works. When it comes to auto insurance, how old you are does affect how much you pay every month.

Luckily, you don’t simply have to accept this fate as-is. Michigan-based Peter Vitale, an expert in all things auto insurance, offers his tips on how to navigate the proverbial waters at any age. He’ll also dive into how different circumstances can hurt or help you, regardless of how old you are.

In the Beginning

There are some…


Michigan-Based Peter Vitale, Insurance Consultant
Michigan-Based Peter Vitale, Insurance Consultant

As an insurance agency owner and insurance consultant in Michigan, Peter Vitale receives a lot of questions about different types of auto insurance and their limits. Michigan state law requires all drivers to carry liability insurance, but they also have several voluntary coverage options available to them. Whether someone is a newly licensed driver or has been on the road for a while, periodically reviewing insurance terms and coverage limits is the best way to make sure they are neither underinsured nor over-insured.

What is Liability Insurance Coverage?

When insurance agents write a new policy, the liability coverage portion includes three whole numbers. The numbers…


Michigan’s Peter Vitale, Insurance Pro
Michigan’s Peter Vitale, Insurance Industry Expert

The coronavirus pandemic of 2020 saw the rise of many unfortunate trends, including vehicle theft. The National Insurance Crime Bureau (NICB) reports a 9.2% increase in car theft in 2020 over 2019. The increase in auto theft reversed a downward trend posted for the previous two years. According to the president and CEO of the NICB, 2020 saw the greatest number of stolen cars in more than a decade. Peter Vitale, a Michigan-based auto insurance expert, notes an alarming upward trend in stolen catalytic converters during the pandemic in addition to auto theft.

Catalytic Converter Theft Also Increasing

Legislation passed in 1975 requires all new…


Michigan’s Peter Vitale

(Photo : Michigan’s Peter Vitale On Auto Break-Ins and Insurance )

Nobody ever expects that their vehicle is going to be broken into, let alone stolen. Unfortunately, any vehicle owner can fall victim to these crimes. While it’s true that GPS tracking devices and other anti-theft technology have made break-ins and theft less common, Michigan’s Peter Vitale reminds insurance customers that these crimes still occur-and on a fairly regular basis.

For this reason, all drivers should be aware of the proper steps to follow in the event that they become victims of a car break-in or auto theft. In this…


Peter Vitale, Michigan Insurance Pro

With the warmer months of summer finally here, many drivers find themselves itching to hit the open road, says Peter Vitale. Unfortunately, summer is also the time of year that tends to see the most car accidents across the country. This is likely due to the fact that summer sees harsh weather (including heavy downpours that can create unsafe driving conditions) as well as more road construction. Of course, this isn’t to say that there aren’t ways to enjoy summer road trips safely and confidently. …


As an insurance consultant, Peter Vitale works with independent insurance businesses every day. Frankly, many of them are struggling. It seems that every time you turn on the television, you see an insurance advertisement, or are bombarded with digital ads.

Peter Vitale, Michigan Insurance Consultant

With all of this conflicting information being launched at consumers, it’s no wonder they may be confused about insurance and view it as a complicated, opaque product. The good news is that an independent insurance agent is in an ideal position to help consumers make sense of all of this information. …


Michigan’s Peter Vitale on the Auto Insurance Industry
Michigan’s Peter Vitale On The Auto Insurance Industry

Few things are the same as they were at the beginning of 2020, and that includes the auto insurance industry. The COVID-19 pandemic has made most insurance agencies reexamine how they deal with their customers and streamline their businesses. As a Michigan-based insurance consultant, Peter Vitale works with small independent agency owners regularly. They’ve shared their experiences over the last year or so with him, rendering Vitale particularly able to speak on this topic. Here’s what he had to say about the pandemic, the auto insurance industry, and evolving customer service:

Ways the pandemic has changed the auto insurance industry (the good, the bad and the simply unusual)

To say that the last year or so has…


Peter Vitale, Michigan Insurance Pro

As a parent who may have a young driver in your family, you know just how important it is to teach your child why safety is crucial when getting behind the wheel of a motor vehicle. In fact, teenagers and motor vehicles can often be a dangerous combination. Based on recent statistics, auto accidents are the leading cause of death for young drivers ages 15–20, and 12% of distracted drivers who were involved in fatal car accidents were teenagers between the ages of 15–19. …


Michigan-Based Peter Vitale, Insurance Expert

It’s easy to think of auto insurance as a fixed cost. Unless you move or buy a new car, you might not even think about it all. However, Michigan insurance pro Peter Vitale wants you to know that you might have a lot more control than you think. As the owner of Bloomfield Insurance in Bloomfield Hills, he’s picked up a lot of specialist knowledge about what drivers can do to maximize their coverage while minimizing costs.

What you pay has a lot to do with your driving habits, of course, but this general advice glosses over the more nuanced…


Peter Vitale, Michigan Insurance Pro

The American insurance industry has come a long way since the Friendly Society opened its doors in 1735. Unfortunately, the first fire insurance company or insurance provider of any kind closed its doors five years later. Peter Vitale, an insurance expert, recounts the historical formation of an organization by the name of Philadelphia Contributionship for the Insurance of Houses from Loss by Fire. Established in 1752, the company remains in operation today, although it has changed its name a few times.

Now approaching the 200th anniversary of the nation’s first insurance company, the industry takes in billions of dollars in…

Peter Vitale

Entrepreneur, Insurance Consultant, Owner of Bloomfield Insurance Group

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