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Protect Yourself & Your Family with Auto Insurance in Troy MI

If you are tired of paying high premiums for your auto insurance, call us today!

If you’ve ever been in an accident, then you know how important it is to have the best coverage possible. We can help people with a variety of insurance needs and provide them with honest advice for their unique situation. Do not wait until after your car has crashed or gotten into another type of accident before making sure that you are protected. Get in touch today!

  • Signature Insurance protects you from legal ramifications in the event of an accident
  • Keep your driving record clean with adequate insurance coverage.
  • Get a safe car to drive by finding cheap deals on affordable auto insurance.

Do you need auto insurance in Troy MI?

If you own a car, it is required by law in most states to have some form of auto insurance. There are many different types of coverage that can be purchased with an auto policy. Remember, there is no such thing as a “full coverage” policy. Policies are made up of different coverages and your state’s laws or your lender may require you to have certain coverages but if you can afford them then other types might be worth purchasing too

Will collision insurance be worth it when buying car insurance?

We all know that a car accident can be a major hassle, but there are ways to make the process of getting back on the road after an accident much easier. If you’re like most people who drive a car in this country, you probably have comprehensive insurance coverage on your vehicle. This is great for when something happens to your car (like it gets hit by another driver), but what about if someone hits YOU? What if you get into an accident with another person or object where it’s not completely clear who was at fault?

Collision insurance covers damage from any other drivers whether they are at fault or not. It also provides protection against theft and vandalism give you complete protection and help in cases like this.

Why is personal injury deductible important in Troy MI?

Most drivers on the road have some type of car insurance, which usually includes PIP coverage. Whenever you are in an accident and need treatment for your injuries related to the wreck, this coverage applies to help pay up to certain amounts; but what if there’s no limit found in your policy? The same could happen if there is a dollar amount without an upper number limit instead of words like “no” or “unlimited.” This means that even though you’re injured, because of how much money you have saved in insurance deductibles, it would be cheaper just for someone else to pay all your medical bills so they don’t exceed that deductible rather than being covered according to your PIP coverage.

Ways of keeping costs down when in a car accident

When you are injured in a car accident and need treatment for your injuries, there may be an option to keep costs down by handling the claims process on your own rather than hiring a lawyer or settling with insurance companies who offer quick settlements without much information about how they arrived at that number. There is no requirement under Michigan law that requires drivers to have counsel during this process, but it can allow them (or their attorney) to negotiate better if they know what questions should be asked:

  • What did the other driver do wrong?
  • Was anyone else involved in the wreck?
  • If so, what was their role in it? How many people have been hurt altogether?
  • Were any of them minors or elderly citizens involved?

Why choose Signature auto insurance?

Whether you’re buying for the first time or shopping around to make sure you’re getting the best deal, Signature Insurance has what it takes to protect your vehicle and keep costs down! We offer affordable rates on all our policies so that we can provide quality service at an affordable price. With us, not only will you get great protection but also peace-of-mind knowing that we’ll always be there when needed!

The best rates in car insurance and the best packages you could imagine!

Michigan is a state that has historically had high insurance rates. However, Troy residents can find auto insurance at the best possible rate with Signature Insurance! Our agents are experts in both protection and lower rates, and we know how to help clients get discounts as well as stay protected. With our expertise in your pocket, you don’t have to worry about paying more than you should or being unprotected from anything life throws your way.
We work hard to keep prices low while still providing top-notch coverage for all of our clients’ needs. We also offer 24 hour emergency assistance for when accidents happen after hours so that no matter what time it is, someone will always be there if you need us most!

Do you need a new car insurance policy?

Yes, in Michigan laws changed last July 2020. PIP is an important part of your auto insurance coverage. It pays for medical care if you’re in an accident. You have to choose a level, and it’s based on what you can afford. There are six levels available, so there’s one that will fit your budget and needs perfectly! We will guide you through the options so you can decide which coverage is the best for you.

With Signature Insurance, you can really be taken care of

Imagine getting the best coverage at a price that fits your budget. We’ll help you find affordable rates from top rated companies without having to spend hours on the phone or searching through dozens of websites. Our agents will work with you to find an insurance policy that meets all your needs and is within your budget. Give us a call today and let us show you how we can save you money on Auto Insurance in Michigan!

Auto insurance in Troy MI can be found very easily in the hands of the agents at Signature Insurance, who are experts and know how to help customers get discounts as well as stay protected.

Sign up for a free quote from Signature Insurance today!

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What Coverage Does Troy, Michigan Require for Car Insurance

Need insurance for your home or car?

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
for a person who is
hurt or killed in an

Up to
for each accident if
several people are
hurt or killed.

Up to
for property
damage in another

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


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 Troy.

Buying Car Insurance in Troy, 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 Troy. Just contact us at (248) 955-9095 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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