Auto Insurance

Car driver

Automobile insurance is important to protect your vehicle and the people in it, and to protect others from your potential mishaps.  We can help to make sure you have the proper coverage you need for you and your automobile at the time of a loss.  An auto insurance policy is a package of several primary coverages. How do you know what coverages are right for you?  We are here to work with you to make sure you get every discount possible along with the proper amount of coverage.

Auto Insurance Coverages We Offer:

Liability – pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.

Property Damage Liability Coverage – provides you with protection if your car accidentally damages another person’s property.

Personal Injury Protection (PIP) or Medical Payments – pays for the medical expenses of the driver and passengers in your car that resulted from a covered auto accident.

Uninsured and Underinsured Motorist Coverage – pays for your damages caused by an uninsured or a hit-and-run driver.  Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for your total loss.

Comprehensive Coverage – pays for damage to your car from theft, vandalism, flood, fire, and other covered perils.  This will also reimburse if your windshield is cracked or shattered.  Comprehensive coverage is sold with a deductible, opting for a higher deductible will lower your premium.

Collision Coverage – pays for damage to your car from a collision to another car or object.  It also covers damage caused by potholes.   Collision coverage is sold with a deductible, opting for a higher deductible will lower your premium.

Other optional coverages include: Towing, Rental reimbursement, loan & lease gap coverage

Discounts we offer:

  • Ticket & Accident free discount
  • Good Student Discount
  • Safety features on your car
  • Mature driver Discount
  • Multi-policy Discount (Home, Umbrella, and Life)
  • Group Discounts (Included but not limited to: several local Credit Unions, Banks, Alumni Association, MEA, Chamber of Commerce, etc.)

Michigan Auto Insurance Reform

Are you looking for information about Michigan’s Auto Insurance Reform? Find all the important details regarding the new reform – or reach out to us for help understanding what these changes mean for you!