Auto Insurance

Looking for Auto Insurance in Michigan?

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.

car insurance

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 inadequate Car Insurance 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.

Mason-McBride is 100% independent, so we take your current coverages and compare them with a wide range of insurance providers and provide you competitive options for both coverage and cost.

The best part? We work on your behalf to help you properly cover your needs and exposures and help identify 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.

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. For this reason, 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 Michigan 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!

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