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Car Insurance Quotes Michigan
Get A Quote Today & You Can Save $796 On Your Car Insurance!
More Policies Equal More Savings
You can get about 50% in potential discounts when you bundle multiple policies or vehicles with us. In addition to car insurance, we offer other auto coverage including motorcycles and boats, plus commercial coverage to our Michigan residents and businesses.
Why Let Compass Gather Your Car Insurance Quotes?
- Exemplary customer service with a personal touch.
- Your choice of about 20 insurance companies in one place.
- Manage all of your insurance policies under one hood, saving you time and money.
- Deep involvement with the local Grand Rapids, MI community.
- We work for you, not the car insurance companies.
- We have served Michigan since 1969 and our reputation is what keeps us going.
Standing Out From The Crowd
These are just some of the ways in which we stand out. To us, our clients are family and we treat them as such. We work closely with you to customize your car coverage to fit your needs, respond promptly when you contact us, are with you through the entire claims process, available 24/7 via various channels, and commit our staff to continued education in order to provide the best possible service for Michiganders.
Independent Insurance Agents
We are independent car insurance agents. Why does this matter to you? Because it allows us to work with lots of insurance companies to offer a variety of rates, policies, and levels of coverage. You have individual needs. Your car insurance quotes should meet them.
We Work For You
We keep it personal – in the truest sense of the word. You will know who you are talking to when you call us. Our staff will get to know you. This will not only make your interactions with us pleasant – it also ensures we will protect your interests including your family and cars. We work for you, NOT the insurance companies. This personal approach extends to our local Grand Rapids, MI community. Active involvement in charities and organizations is one of our top priorities, besides serving you of course!
Different Types Of Car Coverage
Getting car insurance does not have to be complicated or costly. Compass Insurance Agency makes it easy by doing all the legwork for you. Getting you 20 quotes from the top insurance companies in just one place.
When looking at a car policy, it is important to know a little about the different types of coverage that are available to you.
Liability Coverage
Helps pay for expenses when you cause an accident that results in injury, death or property damage.
Collision Coverage
Covers the costs associated with the damage or destruction of your car.
Comprehensive Coverage
Takes care of repair costs when your auto vehicle is damaged by events such as storms or theft.
Uninsured & Underinsured Motorist Coverage
Pays for repairs to your car if the other driver is at fault and does not have insurance.
Medical payments Coverage
Covers medical expenses if your passengers or yourself are hurt and funeral expenses if the accident results in death.
Personal Umbrella Policy
Extends your liability coverage beyond your other underlying limits.
Personal Injury Protection
Covers medical bills for any injuries you sustain in a covered accident.
Property Protection Coverage
Covers the costs of repairs if you unintentionally damage someone else’s property.
Roadside Coverage
Pays for common roadside services if your car breaks down.
Sound System Insurance
Covers the costs of replacing audio or video equipment that was stolen.
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Michigan Car Insurance Minimum Requirements
Liability requirements differ from state to state. Insurance rates vary, too. What you need to know about car insurance:
Michigan’s minimum liability requirements:
20/40/10
The average car insurance rate in Michigan:
$1,231.39 per year
It is 38.5% higher than the national annual average.
The state of Michigan requires all of its drivers to carry a minimum amount of car insurance. Penalties for the failure to do so include monetary fines and jail time.
Uninsured motorist, personal liability, collision, and comprehensive coverage are all optional.
Michigan is a no-fault state:
Your insurance coverage will take care of your injury claims up to a specified limit regardless of who was at fault for the accident.
FAQs About Car Insurance In Michigan
What affects my car insurance rates?
A number of factors determine your car insurance rates. One of the major considerations is your driving record. A good driving record will drive down the rate. Your credit score also plays a significant role. Lower scores usually mean higher premiums.
Other demographic factors that come into play are your gender, age, marital status, and where you live. The type of vehicle being insured matters, as well. Car insurance companies take into account the vehicle’s age, size, safety rating, and the likelihood it will be stolen.
Factors that can cause your car insurance rate to increase include higher auto repair and medical costs, an increase in the number of drivers on the road, and a surge in distracted driving incidents.
Which car insurance terms should I learn?
- Premium – The amount of money you pay a car insurance carrier to provide coverage and pay claims. Premiums are typically paid annually, once every six months or monthly.
- Deductible – The amount of money you pay out of your own pocket before your insurance company steps in to cover the rest of an auto claim. A low deductible usually means a high premium and vice versa.
- Bodily injury liability – This type of coverage provides protection if you cause an accident that harms or kills someone in another vehicle. It does not cover you or any passengers in your car.
- Limit of liability – The highest amount your insurance company can pay for coverage as dictated by your policy.
- Personal injury protection coverage – This type of coverage steps in where bodily injury liability leaves off, by protecting you and your passengers.
- Collision coverage – This type of coverage pays for damage inflicted on your car by hitting another vehicle or object.
- Comprehensive coverage – This type of coverage kicks in if your car is damaged by an event such as a falling object, natural disaster or theft.
- Property damage coverage – This type of coverage protects you if your car inflicts damage on another person’s property or vehicle.
- Uninsured motorist coverage – This type of coverage protects you and your passengers in the event that an uninsured driver hits your car and injures you (bodily injury). It also covers damages to your car (property).
How do I compare car insurance quotes?
First, keep it consistent. Make sure you include the deductibles, coverage limits, and set of coverages for each car quote including any additional coverage you intend to get. This is the only way to ensure you get an accurate comparison. The coverage period is another detail that must remain consistent in order to get the full picture. The insurance premium for a six-month period will look very different than one for a one-year coverage period.
When it comes to your deductible, remember that a higher deductible means a lower car insurance rate and vice versa. Carefully consider which of the two options you prefer. At this point, you can review all of the quotes to accurately determine which estimate is most favorable.
And do not forget to take into account which features are included in each auto policy you are considering. This is critical, as you want a policy that meets your state’s minimum requirements and your individual needs. Some items you may assume are built-in free of charge may be provided at a fee. It is imperative to confirm what is included and what is not.
Interesting Statistics About Michigan Drivers
- Credit score affects car insurance rates in Michigan more so than in any other state.
- There were 3.2 million automobiles registered in Michigan including private and commercial vehicles
- Michigan ranks in the top 10 states for the highest number of stolen vehicles.
- Teenagers who wish to drive in Michigan may obtain their learner’s permit at 14 years and 9 months of age, a restricted driver’s license when they are 16 years old and a full license at the age of 17.
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