Auto Insurance

We understand the value of choice when it comes to your coverage

Auto Insurance Coverage

Get coverage to protect the vehicle you rely on.

Your car or truck is often your biggest asset aside from your home. We’ll help you get the insurance coverage you need at a price you can afford. Auto insurance helps to protect against potentially crippling financial losses and the inconvenience of being without transportation should a loss occur.

Some of the main rate drivers for auto insurance in Michigan are loss/driving history, insurance score, previous insurance history, and vehicle and driver information.

Collision and comprehensive (other than collision) coverages

Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. These are separate coverages that can be added on to your vehicle. If you have an auto loan you may be required to purchase both.

Collision coverage insures you against damage to your vehicle caused during an accident.
Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism. This is also the coverage for glass breakage and damage from an animal (such as deer) so keep this in mind while choosing your coverage and deductible.

Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.

Liability coverage

Liability coverage pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident.

Personal Injury Protection

Some states, such as Michigan, require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.

Uninsured/Underinsured Motorist coverage

This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.

Optional coverage

Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required but they are usually inexpensive and helpful if you have an older vehicle, or if you wouldn’t have another vehicle to drive temporarily if something should happen to yours.

How much do I need?

Choosing the appropriate level of auto Insurance coverage depends on several factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.

We also offer special coverage for antique cars

Our professional auto insurance agents can assist you in finding the right car insurance you need.