Clinton Auto Insurance
Many people in Michigan own vehicles, but the cost of car ownership can be high. Not only do you have to buy a car, but you also need to pay for gas and maintenance. One thing you cannot overlook is auto insurance.
Auto insurance is a contract between you and your insurance company that protects you against financial loss if you get into an accident. You pay a premium, and you are assured that the insurance company will pay your losses if you are in an accident.
Auto insurance is required in almost every state. Each state has different requirements, though, as some states are no-fault states. Michigan is a no-fault state. What this means is that your insurance policy will cover your medical expenses or loss of income and damage to your vehicle when you are involved in a car accident, regardless of fault.
While you can carry as much insurance as you want, you do have to have at least a minimum amount. In Michigan, drivers must carry at least:
- $50,000 in bodily injury liability per person, per accident
- $100,000 total bodily injury liability per accident
- $10,000 in property damage liability per accident
You are also required to carry personal injury protection (PIP) and property protection insurance (PPI) in Michigan. PIP pays for medical expenses and lost wages, while PPI pays for property damage to other people’s property, including fences, parked cars, or homes. This coverage will pay up to $1 million for these damages.
You must purchase an insurance policy before you can register your vehicle. Otherwise, you can face misdemeanor charges and fines or license suspension. Speak to an experienced agent from Hartman Insurance Agency to learn about your auto insurance options in Clinton.
How to Save Money on Auto Insurance
Many people go without insurance due to the cost. However, doing so is risky. Here are some ways to save money on your policy:
- Compare quotes. Shop around and get quotes from multiple insurance companies. Each insurer uses its own formula to calculate premiums, so prices can vary significantly.
- Bundle policies. You may be able to get a discount if you bundle your auto insurance with other policies like homeowner’s or renter’s insurance.
- Maintain a good driving record. Safe driving habits can lead to lower premiums. Avoid accidents and traffic violations to maintain a clean driving record to get the best price.
- Choose a higher deductible. A higher deductible means you’ll pay more out of pocket in the event of a claim, but it also typically results in lower premiums.
- Consider your vehicle. The type of car you drive can affect your insurance premiums. Generally, newer or more expensive cars cost more to insure.
- Review your coverage needs. Regularly review your coverage needs to ensure you’re not paying for more coverage than necessary. For example, if you have an older car, you might consider dropping collision coverage.
Contact Our Clinton Auto Insurance Agency Today
Many people rely on their vehicles to get them from place to place. Make sure you have adequate insurance to protect you and your car.
Coverage options vary by driver and car. Speak to an insurance agent who can find custom solutions. Hartman Insurance Agency can guide you through the process. To schedule an appointment, call (734) 999-4190 or fill out the online form.