Looking for Auto Insurance in Detroit?
Mason-McBride has got you covered. We can help you with standard auto insurance, as well as car insurance for collector cars.
Whether you live in Detroit, or any other part of Michigan, when most people think about car insurance, they think about damage to their car. The truth is, car insurance covers much more than just your car.
Given the sheer amount of cars on the road and the distractions drivers deal with every day, the chances of being involved in a car accident are plentiful.
You’re at risk every single time you get into your car.
It’s important to understand what your coverage options are — not just for your car, but for you, and people who may be injured as a result of your negligence.
Having adequate Car Insurance limits is serious business
If you were ever involved in an accident, and found to be at-fault for someone else’s bodily injuries, you could literally lose everything if you’re not properly insured.
What a lot of people don’t realize is, having great coverage doesn’t necessarily mean having higher insurance premiums.
Because Mason-McBride is 100% independent, we can take your current coverages and compare them with a wide range of insurance providers to see who offers you the best deal possible.
The best part? It doesn’t cost you a penny more to use us. We are compensated by the insurance carriers directly, and work on your behalf to properly cover your needs and exposures, and make sure that there are no hidden gaps in your policy.
No two insurance contracts are the same, and while two policies side-by-side might look the same, the fine print behind the cover page can vary drastically from company to company.
This means you need someone who truly understands policy contracts, like us, to sort through the exclusions and conditions for you, so you can rest easy knowing that you have the best possible coverage at the best price without having to learn legal jargon.
Important Auto Insurance Coverages
When you browse through your policy, you may see certain coverages and wonder exactly what they are, and why they’re on your policy.
Let us clarify a few of the more important ones for you:
This is the part of your policy that covers your vehicle if you hit another car, or an object such as a guard rail or a curb.
There are 3 types of Collision coverage available in Michigan:
- Limited Collision – This type of coverage helps pay to repair or replace your vehicle, after you pay your deductible, but only if you are less than 50% at fault for the accident. If you are found to be more than 50% at fault, you’re on your own; you would have to pay for repairs yourself. Mason-McBride, Inc., does not recommend this type of coverage.
- Standard Collision aka Basic Collision – This type of coverage helps pay to repair or replace your vehicle, after you pay your deductible, no matter who is at fault for the accident.
- Broad Form Collision – This type of coverage helps pay to repair or replace your vehicle, no matter who is responsible for the accident, but you only pay your deductible if you are found to be at fault.
This part of your policy covers damage to your car that is caused by things such as fire, theft, vandalism, glass breakage, animal impacts, etc.
This is the part of your policy that helps pay to repair damage to another person’s vehicle or property that is the result of an accident you cause.
Bodily Injury Liability
You are required by law to carry Bodily Injury Liability. This coverage helps pay for injuries to another person caused by an accident that is your fault. It covers the not-at-fault person’s medical expenses and lost wages. It also helps pay for your legal fees in case the other person decides to sue you.
Due to the high cost of medical care, in the event of an accident, it could be disastrous to you if you carry liability limits that are too low. This is something we can help you decide on.
Uninsured & Underinsured Liability
Uninsured Motorist Liability covers your vehicle and your injuries if the person who caused the accident either has no insurance, or they leave the scene of the accident (hit-and-run).
Underinsured Motorist Liability covers your vehicle and your injuries if the person who caused the accident has insurance, but their Bodily Injury limits are too low to cover your expenses.
These are very important parts of your auto policy, because you have zero control over how much insurance other people are driving around with.
Common Auto Insurance Rating Variables
Age — insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident
Credit — credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be
Car — the type of car, engine size, safety features, etc.. are all part of determining the rate
Driving History — your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old
Household — insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household
How to get started with your car insurance proposals
If you live in Detroit and are looking for a car insurance comparison, Mason-McBride makes the process of finding the best company and price easy.
We do all the heavy lifting for you!
To get started, call our office directly, or complete the fields below to send us some basic information about your needs so we can get started on your policy review and comparison!