Charlotte Car Insurance

Everything You Need to Know About Car Insurance in Charlotte

Charlotte, MI may be a small town of 9,074, but the community takes pride in having rich historic roots and being the Eaton County seat. The town's location next to Interstate 69 — a route that connects to the state capital of Lansing — presents many opportunities for high-speed traffic, numerous accidents, and traffic congestion. To that end, you need proper Charlotte car insurance that covers you against all the risks you face.

Our Independent Insurance Agents are extremely knowledgeable and experienced at finding great car insurance for Charlotte residents. Because our agents are local, they understand the specific risks you face as a Michigan driver and want to get you 360 degrees of protection. Finding the right car insurance doesn't have to be complicated — just visit your local agent today to get started.

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

The Great Lakes State has the highest premium for car insurance in the U.S., which means you should be shopping around for your auto policy to find the best price on the market. Don't let average numbers dictate how much you spend. Let an agent use your vehicle's characteristics and your driving history to gather quotes with the policy limits and premium prices that fit your needs. Your Charlotte auto insurance policy should be both customized and comprehensive.

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

Not only are Michigan drivers required to have uninsured motorist protection, but they are also required to have coverage limits up to $20,000 for an individual injured, $40,000 for all persons injured and $10,000 for property damage. But an accident could easily set you back even further and force you to pay out of pocket, which means you should consider purchasing a policy with higher limits. Your local agent can explain the options so you feel peace of mind when you're on the road.

Number of Uninsured Motorists in Michigan

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Michigan drivers: 21%

If you're in an accident with an uninsured or underinsured driver, you could see some serious financial repercussions. Getting payment from these careless drivers can be extremely difficult, but you'll have a layer of protection with the required uninsured motorist coverage on your policy. This insurance compensates you for losses while the company tries to collect from the driver at fault so you and your family can stay financially stable.

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

Because Michigan sees a fair number of thefts and break-ins, auto coverage prices could be higher. These risks and hazards are certainly something your Charlotte insurance policy should take into account — especially considering the state's greater-than-average number of burglaries. If a break-in happens, your auto insurance should respond in a timely and efficient manner, compensating you for stolen personal property or damaged windows. We will even let you know about "other than collision" insurance for coverage against falling objects, flying debris and vandalism.

Find a Great Charlotte Car Insurance Policy

Our Independent Insurance Agents become your partner in crime when it comes to finding great auto insurance. Because our local, friendly agents aren't tied down to one carrier, they can get quotes from numerous carriers. We will review the options together and get you set up with something comprehensive and affordable. 

Learn more about Charlotte auto insurance by visiting your local agent.

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