Vehicle Protection

Balancing deductibles, protecting you from lawsuits, and covering one of your most sacred assets are all part of the challenges of the Michigan auto insurance industry. When you choose Laginess Insurance Agency to represent you, our experts bring the knowledge and experience to ensure you’re protected from the potential liabilities incurred from car accidents.

Having the proper level of Michigan auto insurance coverage is imperative, and many people are under covered in today’s day and age.

If you have any doubts or questions about your level of auto coverage, start with a quote by filling out our online form or contact our office today for a free consultation.

You can rest assured that our agents will be there to help no matter how bad the situation might be. We work with the most reputable Michigan auto insurers, and our team is ready to help you pinpoint the coverages best suited for your needs.

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 Do You have additional questions? Or are you ready to get started on your Auto Insurance?

Frequently Asked Questions

When purchasing automobile insurance what should I consider?

There are several things you should consider when purchasing automobile insurance that your independent agent will help you with. Here are a few:

  • Purchase the amount of liability coverage which makes sense for you and your family.
  • Select the optional coverages you want (collision, rental reimbursement, roadside assistance, etc.).
  • Choose an insurance company with good reputation and high consumer ratings like Laginess Insurance Agency.
  • Don’t base your decision solely on price. Other factors like service and claim response are extremely important in selecting the right insurance provider.

Does my insurance policy cover a friend if I loan him/her my car?

When you loan your car to a friend or an associate, he or she will be covered for liability under your auto insurance policy in excess of his/her own auto insurance limits.

If you have collision coverage on your vehicle then your insurance policy will cover the damage to your vehicle in case of an accident.

What is Collision Coverage?

Collision is the loss you incur when your automobile collides with another vehicle or object, like a telephone pole for example.

What is Comprehensive/Other Than Collision (OTC) coverage?

Comprehensive provides coverage for direct physical damage losses you could incur to your car from something like a hailstorm.

How can I lower my automobile insurance rates?

The first being to contact an independent agent like Laginess. An independent agent works with many companies and can provide you with comparative rates and insure that you’re getting great coverage at an even greater price.

Another way to lower the cost is to change your deductible. By raising your deductible, you may lower the cost of your automobile insurance by up to 20%. You must be able to pay the deductible amount in case of a claim. You can also look for discounts that you may be entitled to, which could include: multi-car discount, multi-policy discounts when you purchase home, auto, and/or life insurance policies through the same insurance company, different groups or associations (i.e. credit union, alumni association, Chamber of Commerce, etc.)