Battle Creek Car Insurance

Everything You Need to Know About Car Insurance in Battle Creek, MI

Residents of Battle Creek, MI see a fair share of traffic in their city. Whether you are merging onto Interstate 94 or passing a tractor-trailer on Interstate 194 or you are caught up in rush-hour traffic on Columbia Avenue, you should be aware that your risk of a collision increases according to the number of other drivers you are sharing the roads with — particularly in the winter months, when the streets can be slick with sleet and ice. Of course, an accident can happen at any time, on any type of road, and it doesn’t always involve another driver. That is why it is important that you protect your finances by carrying a suitable Battle Creek auto insurance policy.

It is to your benefit to compare rates from a few reputable insurance companies before purchasing any type of insurance. Comparison shopping is easy when you enlist the help of an independent insurance agent in our network. Your local agent can work with many different insurance providers to gather for you a variety of customized Battle Creek car insurance quotes. You can then review and compare the policies together so that you can make an informed decision when you choose the best coverage for yourself and your family. Find an agent near you to get started.

  • National average cost per year: $1,311
  • Michigan average cost per year: $2,476
  • #1 most expensive auto premium in U.S.

Michigan’s average car insurance rates are extremely high when compared with rates in other states. That makes shopping around for the best price even more important. Though the figures listed above can give you a ballpark idea of how much you might expect to pay, your actual Battle Creek car insurance costs are based on several different factors, including but not limited to the following:

  • The make, model, year, color and safety features of your car(s) as indicated by vehicle identification number (VIN)
  • The age, sex, marital status and driving records of all licensed drivers in your household (unless some are specifically excluded from coverage on your policy)
  • The amount of liability coverage you wish to buy
  • The coverage options, if any, you wish you include with your policy
  • The amount of your deductible
  • Your credit score

Every insurance company you contact is likely to quote you different prices for your premiums, so comparison shopping is a great way to find the best deal on your Battle Creek auto insurance.

Michigan Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): required
  • Uninsured motorist coverage: not required
  • Minimum liability limits: 20/40/10: Coverage up to $40,000 for all persons injured in an accident, subject to a limit of $20,000 per individual, and $10,000 coverage for property damage

Driving an uninsured vehicle is illegal. Getting pulled over and being unable to show proof that you carry insurance that meets or exceeds Michigan’s minimum coverage requirements can result in fines of $200 to $500, possible incarceration and suspension of your driver’s license for 30 days.

While the minimum coverage amount required by the state may be sufficient to protect your finances in a small motor vehicle collision, accidents that result in serious injuries or significant property damage can easily exceed these limits. In that case, you are responsible for making up the difference, which can put you in financial jeopardy. That is why, for many people, it is a good idea to purchase coverage with the highest liability limits you can reasonably afford. Your agent can help you review prices for different levels of coverage.

Number of Uninsured Motorists in Michigan

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Michigan drivers: 21.0%

Although driving without insurance in Michigan is a prosecutable offense, more than one in five drivers in this state is operating a vehicle without coverage. This puts you at risk because if you are in an accident that is the fault of an uninsured driver, that person is responsible for covering your damage, including any needed medical treatment. Unfortunately, it can be very difficult to collect this money. In some cases, if the person simply does not have the assets to reimburse you for your losses, you may never see any reimbursement at all.

That is why it is a good idea to include uninsured motorist coverage with your Battle Creek car insurance policy. That way, if find yourself in this situation, your insurance company covers your losses up front and then tries to collect compensation from the responsible driver on its own. This insurance also covers damage and injuries when the collision is with a hit-and-run driver.

Number of Auto Thefts in Michigan

  • National number of thefts per 1,000 vehicles: 2.94
  • Michigan number of thefts per 1,000 vehicles: 3.33

Auto theft rates in Michigan are higher than the national average, but the rate is actually lower in Battle Creek. In recent years, there were 103 auto thefts reported in this city. That equates to about 1.68 thefts per 1,000 vehicles. This is something that insurance companies take into consideration when calculating the price of your coverage. If your car is stolen, you can only receive compensation for your loss if your Battle Creek auto insurance policy includes comprehensive, or “other than collision,” insurance. This optional coverage compensates you for noncollision-related damage, such as that caused by falling objects, flying debris, floods, vandalism and noncollision fires.

Find the Best Battle Creek Car Insurance Policy

Nobody wants to pay more than is necessary for auto insurance coverage. However, those who purchase policies without first taking the time to compare rates from competing insurance companies are likely to do just that. Savvy car owners in Battle Creek understand this, and they turn to independent agents in our network for help when they are shopping for great coverage at an affordable price.

Our Agents make comparison shopping easy by contacting a variety of reputable insurance companies on your behalf. Your agent can then provide you with a selection of customized auto insurance quotes that you can review and compare together. This enables you to select the policy that offers you the best value for your money. 

Find an agent with an office near you to learn more about finding suitable Battle Creek car insurance.

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