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Auto Insurance

Buying auto insurance in Michigan can be difficult, but we're a local agent who's here to help.  From South Haven to Covert or Bangor, Fennville to Pullman, or Kalamazoo, St. Joseph, Benton Harbor, Grand Rapids, and beyond, we've served clients across the state in helping them find the best priced options with the coverage that they need. 



What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical or personal injury protection coverage:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of several different kinds of coverage. The State of Michigan requires that you carry basic no-fault insurance coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Why do you need auto insurance?
It's really all about protecting yourself financially.

  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for damages.
  • Not only is having insurance a prudent financial decision, Michigan requires that you have coverage.

Questions to ask us
As an independent agent, we can advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Contact Us
Feel free to reach out to our office by phone at 269-637-1181 or contact us online today.

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