Auto Insurance in Michigan

Most auto insurance coverages in Michigan are quite affordable. That should help you get yourself decent auto insurance to protect you and your family. At The Vernon Agency, we always advise against buying unnecessary policies, and instead buying only what you need.

Different types of auto coverage

To drive safely on Michigan roads, you need to have the minimum auto insurance required by the Michigan law. The most basic policies include:

  • Bodily injury liability : This coverage pays lost wages or legal fees to an injured person in an accident where you were at fault.
  • Property damage liability : This coverage pays for damage caused by other people’s property like the gate, fence, or poles.
  • Medical coverage : This coverage pays for hospital bills to injured persons in your car.

If you already have the minimum coverages, you can buy additional coverages based on your needs, budget, and lifestyle. In most cases, you will need to purchase the following:

  • Comprehensive coverage : A comprehensive coverage pays for damages to your car as a result of fire, hail, vandalism, storm, or any other damage other than a collision.
  • Collision : A collision coverage reimburses you for damage caused on your car as a result of a collision with another car, a foreign object, tree, rock, or any other item.
  • Uninsured and underinsured motorist : In an accident where an uninsured or underinsured motorist hits you, this coverage will help pay for injuries and medical bills for you irrespective of whether you are at fault or not.

How much insurance do you need?

Determining the amount of insurance that you need is always a daunting affair. However, the best way to find out is by calculating the value of your car, the number of coverages, and their value and how you will be using the vehicle. Different insurance companies in Vernon, MI use various techniques to calculate your premiums. Therefore, make sure you have done thorough research about the company before making a decision.

For all your insurance needs, reach us at The Vernon Agency in Vernon, MI today!