Find the Best Car Insurance and More in Michigan & Ohio
Michigan & Ohio Auto Insurance Coverage
Liability – pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.
Property Damage Liability Coverage – provides you with protection if your car accidentally damages another person’s property.
Personal Injury Protection (PIP) or Medical Payments – pays medical expenses resulting from a covered auto accident for a covered household member.
Uninsured and Underinsured Motorist Coverage – pays for your damages caused by an uninsured or a hit-and-run driver. Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for your total loss.
Comprehensive Coverage – pays for damage to your car from theft, vandalism, flood, fire, and other covered perils. This will also reimburse if your windshield is cracked or shattered. Comprehensive coverage is sold with a deductible, opting for a higher deductible will lower your premium.
Collision Coverage – pays for damage to your car from a collision to another car or object. It also covers damage caused by potholes. Collision coverage is sold with a deductible, opting for a higher deductible will lower your premium.
Other optional coverages include: Towing, Rental reimbursement, loan & lease gap coverage.
Request an Auto Insurance Quote
With Michigan and Ohio’s best auto insurance providers on your side, it’s easy to obtain an auto insurance quote with affordable premiums and excellent coverage!
We even offer discounts for auto insurance, including:
- Ticket & Accident-Free discount
- Good Student Discount
- Safety features on your car
- Mature driver Discount
- Multi-policy Discount (Home, Umbrella, and Life)
- Group Discounts (Included but not limited to: several local Credit Unions, Banks, Alumni Association, MEA, Chamber of Commerce, etc.)
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"The staff at Iott were friendly and helpful with getting me set up with auto insurance. They went above and beyond to find a company to re-establish a policy within my budget."
Michigan Auto Insurance Reform
Are you looking for information about Michigan’s Auto Insurance Reform? Find all the important details regarding the new reform – or reach out to us for help understanding what these changes mean for you!
Frequently Asked Questions about Auto Insurance
Do I Need to Have Auto Insurance?
Michigan law requires an adequate auto insurance policy to operate a motor vehicle. Without proper auto insurance, driving a vehicle is punishable by a fine of up to $500 and/or one year of jail. Your license can be suspended simply for failing to have proof of insurance.
How Much Coverage Do I Need?
Every driver’s needs are unique. Choosing adequate coverage should start by assessing your risks and budget. While it may seem prudent to choose minimum coverage to achieve the lowest premiums, it’s likely to cost you more if you end up in an accident. Give us a call and we’re happy to work with you to find the best options for your needs!
What Does No-Fault Coverage Mean?
No-fault insurance is required by law in Michigan. Every owner of a car must buy certain basic coverages. No-fault insurance could pay for your medical expenses, wage loss benefits, replacement services and damage you do to other peoples’ property. It does not matter who caused the accident. You go back to your own policy to get these coverages.
How Can I Lower My Auto Insurance Premiums?
Your auto insurance premiums are affected by many factors such as coverages selected, driving record, age, and the vehicle you drive. The more valuable your vehicle, the higher your premiums. Many of these factors are outside of your control or may be challenging to change.
One of the easiest ways to lower your auto insurance premiums is to find a policy that fits your needs. There’s no need to try and choose a policy on your own – the experts at Iott Insurance are happy to help you find coverage to fit your budget!
Report A Claim
Do you need to report a claim? Our dedicated claims specialists are standing by to help!
Find out about our claims process, who to contact, and how you can receive afterhours claims assistance.