Car Insurance: |
Everything You Need to Know |
1. Where to start: Choose your agency
It is important to know the different ways to buy insurance:
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*Note: State Farm's rating is projected to drop to an A-, based on the graphic above
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2. The buying process:
3. Your coverages explained:
MICHIGAN RESIDENTS REQUIRED TO HAVE:
OPTIONAL COVERAGES:
MCCA Fee: Michigan Catastrophic Claims Association (MCCA) provides coverage for unlimited medical benefits (Personal Injury Protection) for an automobile accident victim where medical costs exceed $545,000. A substantial portion of this premium charge is allocated to MCCA. MCCA, Michigan Automobile Insurance Placement Facility (MAIPF) and Michigan Automobile Theft Prevention Authority (MATPA) are programs established by the State of Michigan. MAIPF is a mechanism for providing coverage on persons not insured in the standard market. MATPA oversees automobile theft prevention programs.
*Know your Discounts*
Group Discount: Credit Union Member, Alumni of University, State Employee, AARP, etc. Good Student: Typically 3.0 or better Vehicle Discounts: airbags, alarms, ABS Claim History: MVR History: Multi-Car: Insurance Score: Payment History: Daily Drive Average: |
Michigan No-Fault Explained by the State, Itself![]()
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It is important to remember that Motorcycle Insurance is part of the Personal Auto picture. Make sure you know what your policy provides for your motorcycle or moped needs!
(More to come)
(More to come)
Auto insurance is a must have if you are going to drive- not because we say so, but because it is required by the state. It protects you, your vehicle, and others on the road from both physical and mental injuries.
Think you are covered under another person's policy because that is where the car is insured? You likely are not covered unless you are a named insured or named driver on that policy. If you drive a vehicle and are not named on any policy, you are likely driving illegally and could be ticketed. Even worse, if in an accident, you could be scraping to find coverage for any damages. Don't let this happen to you- call and make sure you are properly insured!
Think you are covered under another person's policy because that is where the car is insured? You likely are not covered unless you are a named insured or named driver on that policy. If you drive a vehicle and are not named on any policy, you are likely driving illegally and could be ticketed. Even worse, if in an accident, you could be scraping to find coverage for any damages. Don't let this happen to you- call and make sure you are properly insured!
PL/PD:
An outdated term referring to being covered for Personal Liability and Physical Damage only. The correct term for this in today's Michigan insurance is "No Fault Only" as the state of Michigan (an "No Fault" state) now requires more than just PL/PD.
An outdated term referring to being covered for Personal Liability and Physical Damage only. The correct term for this in today's Michigan insurance is "No Fault Only" as the state of Michigan (an "No Fault" state) now requires more than just PL/PD.
Phone |
Location297 Main St
Coopersville MI 49404 |
HoursMonday - Friday
9:00 - 5:00 CALL ANYTIME, ANYDAY |
Interact with us! |