At Mason-McBride, we know how important the right auto insurance coverage is, especially here in Michigan.
With busy roads, unpredictable weather, and evolving insurance laws, having the proper protection in place is more than just a smart move.
From standard personal auto coverage to specialty insurance for collector cars, we’re here to guide Michigan drivers toward smart, well-informed choices.
How are Cost Rating Variables Calculated?
Age — Insurance companies consider your age when calculating your overall rating. Statistics show that those two age groups have the highest loss frequency and are more likely to suffer financial losses due to auto accidents than drivers under 25 and over 65, for example.
Credit — Credit has long been used as a metric in insurance scoring. Due to this, the better your credit, the lower your rates are likely to be.
Car—The rate is determined by various factors, including the car's type, engine size, safety features, etc.
Driving History — Several factors contribute to the cost of your insurance, including your driving record and loss history. Chances are, if you have a spotty driving record, multiple moving violations, or accidents, you won't get a better rate until you are at least three years old.
Household — Insurance companies underwrite at the household level, meaning they judge the probability of loss based on the entire household. If more than one driver in the household is under 25, that will impact everyone's pricing.
Michigan's No-Fault Auto Insurance Changes
Michigan's no-fault insurance laws have changed, giving drivers more flexibility when choosing Personal Injury Protection (PIP) levels and other coverage options.
These changes can be confusing, but that’s where we come in. At Mason-McBride, we help Michigan drivers understand how these new options work and what they mean for your coverage, costs, and peace of mind.
Why Work With an Independent Agent?
If you're shopping for auto insurance in Michigan, you might be wondering why you should work with an independent insurance agent like Mason-McBride. Here are a few reasons:
- We have access to a range of insurance carriers and can compare quotes to find coverage for your specific needs and budget.
- As an independent agency, our priority is you, not the insurance company. We are committed to finding the right policy for you rather than pushing a particular product or brand.
- We have a thorough understanding of the policies and coverage options offered by multiple insurance carriers, which means we can help you make an informed decision about your insurance protection.
- Working with an independent agent like Mason-McBride means you can get personalized service from a local agent.
Car Insurance for all Michigan Cities
We proudly serve drivers throughout the state, including:
- Troy
- Birmingham
- Royal Oak
- Ferndale
- Bloomfield Hills
- Southfield
- Beverly Hills
No matter where you're located, we can help you compare rates and customize a policy that meets your needs.
Start A Quote Today
If you’re looking for a car insurance quote in Michigan, we make the process simple and straightforward.
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