Category: Auto Insurance

Shopping for car insurance is never an easy or enjoyable experience. Thankfully, we at Atlas Insurance Agency can help Southeast Michigan residents get the coverage they need using the simple process below.

Prepare Your Information 

When shopping for car insurance, you’ll need information like the VIN, the manufacturer, the year, model, mileage, and other information about your vehicle. You’ll also need your driver’s license numbers and information about policies that you’ve held in the past. 

Know What You Want 

Do you want a comprehensive coverage option or just an essential liability coverage choice? Do you want gap policies to cover your liability limitations? Long before you buy any policies, you need to understand these factors to ensure that you get the option that makes the most sense. 

Talk Directly to the Insurance Provider 

While you might find it is easier to buy online without talking to the provider, it is almost always a better idea to speak directly to the company offering you the coverage. Doing so will help make it easier to answer any questions you may have and minimize any complications. 

Discuss Potential Discount Options 

You might be surprised to discover that many insurance companies will provide discounts to people who do things like install anti-theft devices, take defensive driving courses, or have a high credit score. Talk to your provider before you buy a policy to learn more. 

Finding a Policy That Makes Sense 

As you can see, it isn’t too hard to find an insurance policy as long as you take the time to research your options. So please contact us at Atlas Insurance Agency if you live in Southeast Michigan. Our team will do what they can to provide you with the high-quality coverage that you need.

Each state has its own laws about the type of auto insurance required for its drivers, and Michigan is a unique one with unusual requirements. If you have a vehicle, it’s a good idea to learn more about the many different types of coverage that the state requires. If you need auto insurance in Southeast Michigan, contact us at Atlas Insurance Agency to talk to our team about your specific needs. 

A No-Fault State

Michigan is classified as a no-fault state, meaning that if you are in an accident, you are responsible for your own medical bills no matter who set the accident in motion. Because of this, the state requires you to carry personal injury protection insurance, often called PIP. This coverage will pay for your medical bills associated with the accident. There are several PIP options available, so Michigan drivers choose how much coverage they want and need to stay legal.

Property Protection

This required type of insurance has a high maximum so that there is little chance of you having to pay out of pocket. The coverage pays for any damage caused by your vehicle when the accident happens within the state. It will also pay for damage that your vehicle causes to a parked vehicle. 

Residual Liability

This required liability coverage covers both bodily injury and property damage done by your vehicle. There are specific minimums for the amount of bodily injury coverage for each person who is either injured or killed. There is another mandatory minimum for the total amount for bodily injury for the total accident when it affects two or more people. The second part of this coverage is property damage liability. This part covers property damage that your vehicle causes when you are in a different state. 

Talk to an Agent

If you need auto insurance in Southeast Michigan, don’t hesitate to call us at Atlas Insurance Agency.