Auto insurance plays a critical role in managing financial risk associated with driving. From daily commutes to unpredictable weather and evolving state laws, maintaining appropriate coverage supports responsible vehicle ownership.
Mason-McBride works with drivers across Michigan and beyond to review auto insurance options that reflect individual needs, driving habits, and household factors.
Understanding Michigan Auto Insurance
Michigan operates under a no-fault auto insurance system, which means drivers generally turn to their own insurer for certain losses after an accident, regardless of who is at fault.
Recent changes to Michigan’s no-fault law give drivers greater flexibility when selecting Personal Injury Protection (PIP) levels and other policy features. Because each option carries different cost and coverage implications, reviewing policies with a licensed agent can help ensure clarity on what each selection provides.
How are Cost Rating Variables Calculated?
Several factors influence auto insurance pricing and coverage eligibility. While each insurer applies its own underwriting standards, common rating variables include:
- Age: Certain age groups, particularly under 25 and over 65, may have higher average claim frequency.
- Credit: Insurers may use credit-based insurance scores to help predict risk levels.
- Vehicle Type: Make, model, safety features, and repair costs can affect premium calculations.
- Driving History: Accidents, moving violations, and past claims typically influence rates for several years.
- Household Composition: Insurers evaluate total household risk, including the number of drivers and vehicles.
Understanding how these factors interact can help drivers make more informed coverage decisions.
Common Auto Insurance Coverages
A standard auto policy may include:
- Liability Coverage — Addresses bodily injury or property damage claims for which a driver is found legally responsible.
- Collision Coverage — Applies to damage to your vehicle resulting from a collision with another car or object.
- Comprehensive Coverage — Covers vehicle damage caused by non-collision events such as theft, vandalism, or weather.
- Personal Injury Protection (PIP) — Covers certain medical and rehabilitation expenses following an accident, depending on chosen limits.
- Uninsured/Underinsured Motorist Coverage — Applies when another driver lacks sufficient insurance.
Coverage availability and requirements vary by state and insurer.
Areas Served
We proudly serve drivers throughout the state, including:
Coverage may also be available in other states where Mason-McBride holds active licenses.
Start A Quote Today
Drivers reviewing auto insurance options can request a personalized quote or coverage review using the form below.
Proposal Request Form
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