Auto Insurance

Auto Insurance In Michigan

Buying an auto insurance policy is not about buying the minimum required coverages but being financially responsible while on the roads. Whether you’re buying insurance for your teen driver or yourself, you need to understand your policy needs before settling down to buy a full policy. Partners Insurance Agency LLC recommends speaking to an auto insurance expert to understand your insurance needs.

Auto insurance coverages

Auto insurance is designed to protect you financially in case of an accident. Since the minimum required is never enough, auto insurance comes with other insurance coverages to protect you against financial loss in case of damage or liability. Some basic auto insurance coverages include:

• Bodily injury liability
• Property damage liability
• Personal injury protection or medical payments
• Uninsured/underinsured motorists

Optional auto insurance coverages include

• Comprehensive coverage
• Collision coverage
• Glass coverage
• Emergency towing

How much auto insurance do I need?

The amount varies from one driver to another. Drivers have different insurance needs like driving skills, which brings the difference in premium rates. Insurance companies check and assess the information you give to calculate your premiums. However, it’s your responsibility to know your insurance needs, like how much liability you need based on your driving records and the type of car you drive.

Which factors affect my insurance rates?

Insurance companies check your details to determine your premium rates. Some of the factors that can determine your premiums include:

• Your age
• The model of your car
• The year of manufacture
• Your driving records
• Where you live and how you store the car

Who is covered in my policy?

Auto insurance covers you, your family, and anyone listed in your policy. Anyone who has your permission to drive your car is also covered in case of an accident. Remember, auto insurance follows the car, not the driver.

Most states, including Michigan, Ohio, Pennsylvania, South Carolina, Indiana, and Florida, require drivers to have minimum liability coverage. But having the minimum coverage doesn’t mean you’re adequately covered. Insurance experts at Partners Insurance Agency LLC can help you find a customized policy for your needs. Call us today.