The Lapeer Agency

The Lapeer Agency Providing exceptional personal and commercial insurance products and service to our customers, based in Lapeer, Michigan. At the Depot!

Before your kids head out the door, make sure they know how to get to school safely, no matter how they are getting ther...
09/01/2026

Before your kids head out the door, make sure they know how to get to school safely, no matter how they are getting there. Here are a few tips to keep in mind:

🔵Walking to school? Stick to sidewalks, cross only at crosswalks, make eye contact with drivers before stepping into the street, and always walk in a group when possible.

🔵Riding a bike? A properly fitted helmet is non-negotiable. Remind students to ride on the right side of the road with traffic, come to a complete stop before crossing, and choose a route with minimal intersections and light traffic.

🔵Taking the bus? Students should stand at least 6 feet back from the curb when waiting for a bus, wait for the bus to come to a complete stop before boarding, and never walk behind or in front of a bus without making eye contact with the driver first.

🔵Getting dropped off? If you drive your child to school, obey school zone speed limits, follow your school's drop-off procedure, and never pass a bus that is loading or unloading children.

🔵Teen drivers? Review the basics of safe driving. This includes, but is not limited to, having all passengers wear seatbelts, putting devices away while driving, and driving the speed limit.

We hope you find these tips helpful as students transition back to school. As always, if you have any needs or questions, do not hesitate to reach out to our team. We are happy to help.

Telematics insurance promises lower premiums for safe drivers, and in many cases, it delivers. But whether it is worth s...
08/30/2026

Telematics insurance promises lower premiums for safe drivers, and in many cases, it delivers. But whether it is worth signing up for depends on more than just your driving record. Swipe through to get a clearer sense of what these programs involve and what to weigh before you decide.

If you have questions about your auto insurance policy or if a telematics policy fits your needs, give us a call today. We are here to help.

As you may know, it’s almost time for Medicare’s annual enrollment period (AEP), a key opportunity to alter your Medicar...
08/24/2026

As you may know, it’s almost time for Medicare’s annual enrollment period (AEP), a key opportunity to alter your Medicare health and prescription drug plans for the upcoming year. The Medicare AEP runs from October 15th to December 7th every year, making now a potentially advantageous time to review your current coverage and plan ahead for any changes next year.

Thinking about this now, before the period opens, can make the process easier and give you enough time to compare options and make an informed decision about your care. Swipe for a few areas to revisit as you prepare for the beginning of the AEP.

A little preparation now can make the process simpler and help you choose coverage that fits your needs. That said, if you’d like to go over your current plan, feel free to reach out. We are always here to help you carefully assess your needs so you can make an informed decision.

With back-to-school season top of mind and August being National Traffic Awareness Month, our team wanted to take a mome...
08/20/2026

With back-to-school season top of mind and August being National Traffic Awareness Month, our team wanted to take a moment to share some practical road safety reminders for this time of year.

The return to school brings one of the most significant changes in daily traffic patterns of the entire year. A few moments of extra caution can make an enormous difference. Swipe for a few traffic safety considerations for both motorists and parents of young children to keep in mind as back-to-school season approaches.

By staying alert, following the rules, and looking out for the most vulnerable people on our roads, we can all play a role in keeping the roads safe this school year.

Please feel free to share this with anyone in your network who might benefit from these reminders. And if you ever have questions or need assistance, we are always here to help leverage our expertise for your benefit.

If you’re turning 65 soon and are unsure about what it means to enroll in Medicare, you are not alone. One of the most c...
08/17/2026

If you’re turning 65 soon and are unsure about what it means to enroll in Medicare, you are not alone. One of the most common questions we hear from those nearing retirement is around the timeline for signing up for Medicare.

So, we wanted to share a few important reminders to help you stay on track:

✅Know your enrollment window. Your initial enrollment window lasts for seven months — three months before your 65th birthday, your birthday month, and three months after your birthday. Enrolling early in this timeframe can help ensure your coverage begins right when you need it.

âś…Understand how to sign up. Some individuals are automatically enrolled in Original Medicare, while others need to take action themselves to enroll in Original Medicare. This often depends on whether you are already receiving Social Security benefits.

âś…Do not delay without a plan. Waiting too long to enroll without qualifying coverage can result in delayed coverage start dates and ongoing late-enrollment penalties.

âś…Be aware of other options. If you are still working and covered under an employer plan, you may qualify for a Special Enrollment Period that can allow you to defer your enrollment. However, missing all enrollment windows can limit your options and increase costs, so it's best to clarify this early.

Medicare decisions can feel overwhelming, but you do not have to navigate them alone. Whether you are approaching 65 or are simply evaluating your options, contact us for guidance tailored to your situation.

Choosing a health care provider is an important decision, and the right tools can make it easier. Whether you need a new...
08/12/2026

Choosing a health care provider is an important decision, and the right tools can make it easier. Whether you need a new primary care doctor, a specialist, or want to compare facilities, Medicare’s Care Compare tool helps put trusted information at your fingertips.

Swipe through for a quick guide on how it works. And remember, if you ever need help navigating your coverage, our team is here to assist.

Running a business comes with no shortage of moving parts — and making sure you're protected from the unexpected is one ...
08/04/2026

Running a business comes with no shortage of moving parts — and making sure you're protected from the unexpected is one of the most important pieces of the puzzle. That’s where commercial umbrella policies come in.

Swipe to learn more about how this coverage works and whether it's right for your business.

If you'd like to talk through whether a commercial umbrella policy makes sense for your business, know that we are always happy to help. Feel free to give the office a call today.

Summer is the perfect time to focus on your health, and your Medicare benefits are here to support you every step of the...
07/29/2026

Summer is the perfect time to focus on your health, and your Medicare benefits are here to support you every step of the way. Swipe for more information.

Our team is ready to help you review your coverage, understand your options, and help you build a healthier, more confident routine for the months ahead. Give us a call today to review your Medicare plan and make sure you’re set for a healthy summer.

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an ...
07/21/2026

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an accident occurs. Would the vehicle owner’s insurance apply — or would the driver’s policy take over?

In most situations, auto insurance follows the vehicle first, not the driver. That means the car's policy is usually the primary source of coverage in the event of an accident. However, that’s not always the case. Swipe for some key details about when the vehicle owner’s policy kicks in and when the driver’s policy is used.

If you’re ever unsure how your coverage applies, want to double-check your policy, or layer on additional auto coverages, we’re always happy to take a look with you. Feel free to give our team a call. We are here to be a resource for you.

With six months remaining in the year, now can be an ideal time to review your health savings account (HSA) and flexible...
07/16/2026

With six months remaining in the year, now can be an ideal time to review your health savings account (HSA) and flexible spending account (FSA) balances. Swipe for more information on 2026 limits and what to review.

We encourage you to log in to your account, check your current balance, and think about any upcoming medical needs or appointments where these funds could be put to good use. And as always, if you have questions about your coverage, your benefits, or how to make the most of your HSA or FSA, don't hesitate to reach out. Our team is always happy to help.

Address

145 E. Nepessing
Lapeer, MI
48446

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+18106642966

Website

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