Lincoln Park Car Insurance

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Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.


Lincoln Park, MI, is part of the downriver communities in the Detroit area. This city is known as housing grounds for nearby workers of steel mills and automotive industries. From shopping to dining, this family-friendly town is a great place to put down roots.

When you're a resident of this city of 36,655 who drives these charming streets, you'll want coverage. An independent insurance agent can help find a reliable auto policy for a low price. Connect with a local adviser to get started.

How Carriers Rate Your Car Insurance in Lincoln Park, MI

Insurance companies use several factors when figuring your premiums. Personal data  and past claims will be considered, making your costs unique. Check out rating factors the carriers use below:

  • The coverages you choose
  • Policy discounts that may apply 
  • Your claims history
  • Your insurance score
  • Catastrophes reported 
  • Local crime rates 
  • Your driving record

While you can improve some personal items to get lower rates, others you can't. Local crime plays a part in your insurance costs but isn't something you control. Let's take a peek at the theft rates per 100,000 people:

  • National average: 228.90
  • Michigan average: 174.60
  • Lincoln Park average: 285.20

If you want instant savings, consider bundling. When you bundle your auto and home insurance with the same company, you'll save big time. Carriers give a 30% discount or more on policies. 

Auto Insurance Requirement in Lincoln Park, MI

If you want to drive in Lincoln Park, MI, you'll need to comply with state law. Michigan regulates coverage and makes it mandatory at the minimum limits. Check out the required auto insurance for Lincoln Park, MI:

  • A minimum liability of $50,000 per person/$100,000 per accident/ $10,000 property damage.  

If a loss exceeds your liability limits, you'll be responsible for any additional expense. Umbrella insurance can help pick up the difference when your underlying policy has been exhausted. It will provide extra limits of liability for a more substantial claim.


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Our independent agents shop around to find you the best coverage.

How Optional Car Coverage Works in Lincoln Park, MI

Your primary car insurance will have coverage for liability only. If you want insurance for your vehicles and any perks, you'll need to add it. In the meantime, check out some options:

  • Gap coverage: Pays for the difference between your remaining loan balance and the market value when a total loss occurs.
  • Tow coverage: Will pay for a tow truck to tow a covered auto due to a loss.
  • Collision coverage: Pays for property damage to your car in the event of a crash.
  • Uninsured/underinsured motorists or UM/UIM: This coverage will pay for your expenses arising from an accident with an uninsured at-fault driver. Nationally, there are 13.0% uninsured drivers, and 20.3% in Michigan.
  • Rental car coverage: Will provide reimbursement for a rental car when your covered auto is damaged. 
  • Comprehensive coverage: Will pay for property damage to your vehicle that hits an unavoidable obstruction or is damaged by a non-collision incident like a fire or hailstorm.

When you're unsure what each coverage entails and how many you need, consult with a professional. To ensure you're getting the right insurance, review your policies annually. This will make sure all claims get paid. 

How Driving for Uber Impacts Your Car Insurance in Lincoln Park, MI

If you drive for Uber or Lyft, you're likely tp be without insurance. Fortunately, there are other options when it comes to rideshare and for-hire livery services. To avoid financial ruin, you'll want to get the right policy in place.

Commercial vehicle insurance is needed to have adequate protection for your operational exposures. Since you're delivering people or parcels, your business has risks that can't be insured by personal coverage. Review commercial policies to have insurance for all the what-ifs. 

Connect with a Lincoln Park, MI Independent Agent

An independent insurance agent can find you the best auto insurance at a low price. Since they have access to several carriers, you'll have options on coverage and premium. Plus, an independent agent does the shopping at no cost so that you can let a professional handle it. 

When you're tired of DIYing insurance, contact a professional. You can connect with a local expert in minutes on TrustedChoice. Use the find-an-agent resource for the best results. 

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