Mount Clemens Car Insurance

Everything You Need to Know About Car Insurance in Mount Clemens, MI

Mount Clemens, MI is a small city, so it does not experience heavy traffic in the way a larger city might. But its roadways still see their fair share of cars. Whether you are passing a tractor-trailer on Interstate 94; caught up in rush hour traffic on Gratiot Avenue; or driving down Groesbeck Highway on your way to the grocery store, any time you are sharing the roads with other drivers, you have an increased risk of being in a motor vehicle collision. Fortunately, when you are backed by a suitable Mount Clemens auto insurance policy, you do not need to worry about experiencing significant financial losses as a result.

Finding good insurance at an affordable price is easy when you work with one of the many independent insurance agents in our network. These local agents can provide you with a selection of competitively priced Mount Clemens car insurance quotes from a number of reputable insurers. They can also explain your coverage options and answer any insurance-related questions you may have. Find an agent in or near Mount Clemens to learn more.

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

Auto insurance rates in Michigan are significantly higher than the national average, so if you want to save money, comparison shopping is imperative. Of course, the rates listed above can only give you a general idea of what you might expect to pay. Actual rates can vary significantly from one person to the next because they are calculated according to a number of different variables. Some factors that insurance companies use to rate risks and determine rates include these:

  • Your ZIP code, i.e., where you live
  • Your parking location: garage, carport, driveway or street
  • The approximate number of miles you drive per year
  • The make, model and year of the vehicle(s) you wish to insure
  • The age, sex and marital status of the drivers on your policy
  • Your driving record and claims history
  • The amount of liability insurance you wish to purchase
  • The coverage options you wish to include with your policy
  • The amount of your deductible

Because each company you contact is likely to quote you a different price for your coverage, you can save a lot of money when you compare rates from at least three competing providers.

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

These minimums are meant to be high enough to cover your liability costs in the case of most vehicular accidents. However, a major collision that involves severe injuries or excessive property damage can easily exceed these limits, and in that case, you would be responsible for making up the difference. This can lead to financial hardship. That is why you may want to protect your assets by purchasing coverage with higher liability limits. Your agent can help you review costs for different levels of coverage. That way, you can get a better idea of how much liability coverage you can reasonably afford when you are purchasing your Mount Clemens auto insurance policy.

Number of Uninsured Motorists in Michigan

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

If you are caught driving without insurance that meets or exceeds Michigan’s minimum coverage requirements, you may be penalized with fines up to $500, the suspension of your driver’s license for up to 30 days and even possible jail time. Despite this, approximately one in five motorists on this state’s roadways are driving without insurance. This puts you, as a law-abiding citizen, at risk because if an insured driver is at fault for a collision, that driver will be responsible for covering your property damage and medical treatments out of pocket, and it can often be difficult and time-consuming to collect these funds from them.

That is why it is a very good idea to include uninsured motorist coverage as part of your Mount Clemens car insurance policy. That way, your insurance company covers your damage upfront and then attempts to collect reimbursement from the offending driver on its own. This optional insurance also covers damage and injuries resulting from collisions involving hit-and-run drivers.

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

The rate of car theft in the state of Michigan is higher than the national average, and unfortunately, this holds true in Mount Clemens as well. You can reduce your risk of car theft by always locking your vehicle when you leave it unattended, parking in well-lit areas or staffed lots when possible, and using a car alarm or other theft deterrent. If your car is stolen, you are only able to receive compensation if your Mount Clemens auto insurance policy includes comprehensive (“other than collision”) insurance. This insurance also covers damage caused by such hazards as falling objects, floods, vandalism, and noncollision fires.

Find the Best Mount Clemens Car Insurance Policy

If you are looking for an affordable Mount Clemens auto insurance policy that will provide all the coverage you and your family need, you can benefit from working with an independent agent in our network. Because they are not tied to a single insurance company, these agents are free to shop around and collect a variety of customized policies and rates that you can compare. In a state where the cost of car insurance is already very high, there is no reason why you should pay more than you have to for your auto insurance. A local agent can help you find the best rate for your coverage. 

Find an agent near you to learn more about your coverage options, and discover how easy it is to save money on your premiums by comparing Mount Clemens car insurance quotes.

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