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Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


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Auto Insurance Information

In Michigan, you must carry auto insurance — it’s the law. Different states have different laws about how much of each type of car insurance you need to carry. Trust Simon Insurance Agency to help you get the type of auto insurance you need in Portland, Michigan.

Why Do I Need Auto Insurance?

Today, two states don’t require auto insurance — Virginia and New Hampshire. Years ago, more states left the decision about whether to buy insurance up to drivers. Connecticut was one of these states, and truckers often chose to detour around Connecticut due to the risk of getting in an accident with an uninsured motorist, making it hard — if not impossible — to collect the money that was owed them.

Anyone who owns anything of value — house, car, etc. — will want to have enough insurance so that they’re not financially ruined if they have a car accident.

Additionally, if your car is stolen, you want to be able to replace it at the lowest possible cost to you.

What Type of Insurance Do I Need?

You need insurance that pays for repairs to your vehicle, repairs to the other vehicle and any bodily harm you, your passengers or the people in the other car suffer, as well as replacement if your vehicle is stolen.

The types of car insurance required in Portland, Michigan, are:

  • Personal Injury Protection: This type of car insurance helps cover your medical bills from a car accident, lost wages if you miss days of work due to the accident, home care if you should require it and help with household chores such as laundry and cooking if you need it.
  • Property Protection Insurance: This auto insurance covers property that you may damage with your car, such as buildings, landscaping, parked cars, etc.
  • Residual Bodily Injury Liability: This insurance pays for injuries you may have inadvertently caused to others with your vehicle.
  • Property Damage: This car insurance is for incidents or accidents that you may cause outside of Michigan.

Other types of auto insurance are optional. These include collision, which pays for damages to your car in the event of an accident you caused. However, if you have a car loan, the financial institution that holds the loan may require you to keep this coverage as long as you pay on the loan in order to protect their investment.

The situation is the same with comprehensive coverage, which pays for repairs to or replacement of your vehicle if it is stolen or it sustains damage from an incident that is not a motor vehicle accident, such as vandalism.

How Much Insurance Do I Need?

Your auto insurance coverage levels depend on many factors. For instance, you can save money on auto insurance in Portland, Michigan, by choosing high-deductible options.

Talk to the insurance agents at Portland, Michigan’s, favorite auto insurance company, Simon Insurance Agency, to find out more. Our insurance agency can provide you with a quote for car insurance in Portland, Michigan.

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