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Since 1973, Michigan has required all drivers to carry no-fault automobile insurance. In Michigan, no-fault coverage extends to medical, rehabilitation, and damage to vehicles. It is important to know the extent of the coverage your car insurance policy provides your family. Protecting your family from the possible expensive cost of an accident, regardless of fault, is something for which everyone must be prepared for with optimal auto insurance coverage.
Choosing auto insurance coverage can be filled with questions and rest assured that we at Bartz/Rumery Agency will help you navigate the many choices for drivers in Michigan. We provide you the information to choose the automobile insurance policy that fits your family’s needs. As an independent agency, we can help you compare rates and coverages with several different companies. If you are looking for motorcycle insurance, we can help with that too.
Important Questions When Considering Auto Insurance
- How much and what type of coverage do I need?
- What is a deductible and how much of a deductible should I choose?
- How do I choose a type of collision coverage?
- What does comprehensive coverage provide?
- What are the factors that affect the cost of my auto insurance?
- Is there any way to lower my insurance cost without reducing my coverage?
Important No-Fault Coverages
- Personal Injury Protection (PIP): pays for medical costs and covers your lost wages in the event of an accident.
- Property Protection (PPI): pays for any damage your vehicle does to others property in Michigan. It also pays for damage to other vehicles if they are properly parked.
- Residual Bodily Injury and Property Damage Liability (BI/PD): pays for your defense cost and any found liability as a result of an accident for which you are at fault.
There are other types of coverage as well, and one should discuss all the options with an agent to make sure all the coverage one wants is included.
Insurance Providers We Trust
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Auto-Owners has been providing leading customer care service with timely claims for decades.
Personal Auto Coverage:- Antique and classic vehicles
- Automobiles
- Mopeds
- Motorcycles
Discounts- Company car
- Green
- Group
- Mature driver
- Multiple policy and multiple vehicles
- Paid in full
- Safe driver
- Safety features
- Good Student
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Hanover Insurance offers customized insurance, the most important accessory of your car, and it’s not available at a dealership.
Personal Auto Coverage:
- Roadside Assistance
- DriveSmart Advantage
- Travel Right
- Home Care Services
- Reassurance Plus
- Rental Coverage Upgrade
- Extended Non-Owned Coverage
- Ultimate Service
- Additional Customized Equipment Coverage
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Fremont Insurance provides products specific to Michigan residents. Exclusively providing insurance for only one state gives them a strategic advantage to provide you with a policy that fits your needs.
Fremont Insurance is proud to bring you the best savings possible by including savings for those with lower risks.
Ways To Save
- Multiple policy and multiple vehicles
- Claim Free
- Accident Free
- Violation Free
- Good Student
- Low Mileage
- Groups
Michigan Insurance Company offering quality liability and physical damage protection with comprehensive auto policies to protect your family’s transportation needs.
Protection For A Variety Of Vehicles- Private Passenger Automobiles
- Pick-ups
- Vans
- Motorhomes
- Motorcycles
Optional Coverage- Emergency Trouble Service
- Rental Reimbursement
- Coverage for Audio, Visual, and Data Electronic Equipment
- Optional Package Endorsements to include but not limited to:
- Waiver of deductible
- Decreasing collision deductible
- Replacement cost on new vehicles
- Wearing apparel
- Additional rental reimbursement
If you are looking for low cost car insurance, consider Progressive. You could save hundreds of dollars by choosing Progressive.
A few tips for insurance shopping:- Know what your needs are first
- Be willing to adjust your current coverage
- Figure out what you want, then choose
- Deductibles can be used to your own advantage
- Know what affects your rates
Discounts:- Accident Forgiveness
- E-sign
- Homeowners
- Multi-Car Insurance
- Snapshot Discount
- Pay In Full
- And Dozens of other discounts
Hagerty offers specialty insurance for classic cars. Made up of people that collect cars and understand the challenges, the market, and the coverage that you need for your vehicle.
Policy Features:- Low Annual Premiums
- Guaranteed Value
- Knowledgeable Service
- Exceptional claims Handling
- A Customized Policy
- Freedom to Enjoy Your Car
- Flatbed Roadside Assistance
- And then some
Additional Coverage:- Spare Parts
- Automotive Tools
- Automobilia
- Business Use
- Vehicle Under Construction
- Traveling Collector
