Auto Insurance in Ypsilanti
Cars are expensive. There is gas, maintenance, registration, and everyone’s favorite, insurance. When it is all said and done, you could be paying thousands of dollars a year just on transportation.
The good news is that you can save money. When it comes to auto insurance, you do have options. Michigan changed its auto insurance laws in 2020, resulting in new options, more consumer protections, and overall lower costs.
Auto insurance may seem complicated, but it is really not. It basically serves as a contract between you and your insurance company that will protect you against financial loss if your vehicle is involved in a crash. You pay a premium, typically either every month or every six months, with the reassurance that the insurance company will pay your losses in the event of an accident.
The options available for insurance can be overwhelming. What types of coverage do you really need? Hartman Insurance Agency can help you decide the best auto insurance options for you. Contact a Ypsilanti agent today to learn more.
Types of Auto Insurance Coverage
Auto insurance is not a one-size-fits-all coverage. There are many options to choose from. Here are some common types of coverage.
- Liability insurance. This includes bodily injury liability (BI). It covers medical expenses, lost wages, and legal fees for the other party if you are at fault in an accident. Property damage liability (PD) covers damage to the other party’s property, such as their car, fence, or building, when you are at fault.
- Collision insurance. This coverage pays for repairs or replacement of your car if it is damaged in an accident with another vehicle or object, regardless of fault.
- Comprehensive insurance. This covers damages to your car from non-collision-related incidents, such as theft, vandalism, natural disasters, and hitting an animal.
- Uninsured/underinsured motorist coverage. This provides protection if you are involved in an accident with a driver who has no insurance or insufficient insurance. It can cover medical expenses and even pay for some property damage.
- Personal Injury Protection (PIP). This coverage takes care of medical expenses incurred by you and your resident relatives in the event of an accident, regardless of fault.
- Gap insurance. If your car is totaled or stolen, gap insurance covers the difference (or gap) between the car’s actual cash value and the amount you owe on your auto loan or lease.
- Rental reimbursement insurance. This insurance pays for the cost of a rental car while your vehicle is being repaired due to a covered loss.
Contact Our Ypsilanti Michigan Auto Insurance Agency Today
Auto insurance is a requirement in Michigan. While you may think it is not affordable, there are many options to choose from based on your budget and unique situation.
A Ypsilanti agent from Hartman Insurance Agency can help you get just the right coverage so you don’t pay too much for your auto insurance. Get started by making an appointment. Give us a call at (734) 999-4190 or fill out the online form.