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Auto Insurance for Rochester, Michigan: Experts in Protection and Lower Rates

If you’re looking into getting some extra protection with your auto policy, Signature Insurance can help!

Getting auto insurance in Rochester, MI can be a difficult task until you work with Signature Insurance. We are experts at helping clients get the best deals on their coverage and we know how to find discounts for even the most complicated cases. Our agents will also help drivers stay protected by providing them with unmatched service and protection. Call us today!

Do you need a new car insurance plan?

We have the perfect solution for you! Michigan has new laws for auto insurance starting July 1, 2020. Our PIP medical coverage options are designed to make your life easier. Whether you’re looking for a low-cost option or want to be covered in case of an accident, we have something for everyone.

What kinds of auto insurance coverage are available in Rochester MI?

You don’t have to worry about how much it will cost if you’re in an accident anymore because our plans cover everything from hospital visits and ambulance rides all the way up to surgery and rehabilitation. And with six different levels of coverage, there’s one that is perfect for your needs. 

  1. Unlimited coverage
  2. Up to $500,000 in coverage
  3. Up to $250,000 in coverage
  4. Up to $250,000 in coverage with PIP medical exclusion(s)
  5. Up to $50,000 in coverage
  6. PIP medical opt-out

Is it really necessary to pay for auto insurance in Rochester MI?

If you are the breadwinner for your family and need reliable transportation but can’t afford what it would cost to replace your car, then we’re here to help. We work closely with our clients so that their financial situation is taken into account when determining how much they owe in premiums each month. In some cases, we can even cut back on the number of payments per year! Contact us today if you live in Rochester Michigan and want auto insurance from experts at Signature Insurance Agency.

What kinds of coverage should I get when buying auto insurance?

You may be wondering what optional insurance coverages you should have. There are a few things to consider when deciding on your coverage. Your no-fault insurance does not pay for repairs if your car is damaged in an accident, unless it was parked and hit by another car. Except for this situation, the only kinds of automobile insurance that pays for repairs are collision and comprehensive coverage. If you want to protect yourself from paying out of pocket for any damages done to your vehicle, then you need these two types of coverage. We offer all sorts of additional policies that will give you peace of mind while driving around town or across state lines!

Why is no-fault insurance so important in Michigan?

You’re driving a car in Michigan without no-fault insurance, which is against the law. If you
get into an accident and don’t have no-fault insurance,you will be responsible for paying all damages to the other person’s vehicle and injuries. This could cost thousands of dollars. If you get pulled over by police or involved in an auto accident, you can be arrested if your car does not have no-fault insurance. You may also lose your driving privileges until you buy it!

Will a no-fault policy protect my whole family in Rochester MI?

Whether you’re cruising, speeding or just trying to get the kids to soccer on time, it’s important that our family is protected. A no-fault policy provides coverage for all family members living in your home and peace of mind for everyone else too. The personal injury protection benefits are there when an accident takes place regardless of who was driving! Our Auto Policy ensures safety won’t stop at the front door for our entire family with provisions covering named drivers, passengers; pedestrians hit by accidents involving another person’s car fueled with state auto insurance. Thankfully accidents like these are rare but if they happen a No-Fault Policy will pay against pain and suffering claims while keeping our loved ones covered.

Why is Residual Liability Insurance important when driving a car in Rochester MI?

Your car insurance is supposed to protect you from being sued in the event of a car accident. However, if you cause an accident and your liability insurance does not cover the full cost of damages caused by your negligence, then you can be held responsible for paying out-of-pocket. It’s scary to think that one mistake could lead to financial ruin. If this has happened to you or someone that you know, it’s time for action!

Michigan residents should consider purchasing residual liability insurance (also known as “umbrella coverage”) which will protect them from lawsuits after causing an auto accident even if their own policy doesn’t have enough coverage. This type of coverage will also provide protection for injuries sustained by passengers in your vehicle or bystanders who are injured due to your negligence.

What is Towing and Rental Car Coverage?

It’s always a hassle when your car breaks down, and even worse when you get into an accident. You can’t afford to be without a vehicle for too long. When something happens, it could take hours or days to get back on the road again. The last thing you need is another worry while you’re already dealing with the stress of being in an accident or having your car break down. Towing and Rental Car Coverage will reimburse you for expenses incurred as a result of breakdowns or accidents that are covered under your policy (e.g., stolen vehicle, vandalism). If your car cannot be repaired immediately after an accident due to lack of parts, we’ll cover rental costs until repairs are completed.

Choosing the right auto insurance coverage for you is a big decision.

You want to make sure your family and finances are protected in case of an accident. But how do you know what’s best for you? There are many different types of PIP policies, so it can be hard to choose one that fits your needs.
That’s why we’re here! We’ll walk you through all the options and help find the perfect policy for your budget and lifestyle.

Whether it’s just yourself or a whole family, our team will help find the perfect plan at a price that works with your budget. And if something changes down the line, we’ll be there to update or change your policy as needed.

Want a free estimate? Talk with us

What Coverage Does Rochester, Michigan Require for Car Insurance

Need insurance for your home or car? Call us at (586) 274-9600

The Michigan guidelines for auto insurance law are determined by the Department of Insurance and Financial Services in the State of Michigan. There’s much information to know about their requirements, but we’ll give you the highlights of what you need to know. Whenever you ask for insurance quotes, try to become familiarized with terms like personal injury protection (PIP), medical expenses policy, and how your insurance premium works on a per accident basis.

The absolute minimum car insurance coverage for Michigan drivers is:

Up to
$50,000
for a person who is
hurt or killed in an
accident.

Up to
$100,000
for each accident if
several people are
hurt or killed.

Up to
$10,000
for property
damage in another
state.

Understanding the Michigan No-Fault Insurance Law Reform

In short, the changes to the law affected
your policy in regards to:

Personal Injury Protection
Property Protection Insurance
Bodily Injury and Property Damage

Source: michigan.gov

Michigan is a no-fault state, which means that both parties in a car accident are entitled to benefits from their insurance companies, regardless of who caused the crash.
There are, of course, limits to this no-fault automobile insurance coverage, and we go deeper into it in this guide for understanding Michigan auto insurance law. You can also see the official guide from the Government of Michigan, regarding the changes to the Michigan no-fault insurance lawpassed in June 2019. It goes without saying, this applies to both Troy and Clawson.

Buying Car Insurance in Rochester, Michigan

Regardless of what insurance company you choose, you know you need to buy insurance for your vehicle. While all the legal details are important, ultimately, most of your decision will come down to what you can afford.

We would absolutely love to help you figure out how to get the best car insurance deal in Rochester. Just contact us at (586) 274-9600 if you have any questions, or if you want to get a quote from all the car insurers in town, we can also help you with that.

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