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With the Right Auto Insurance in Michigan

Hit the Road with Confidence

Get your personalized coverage plan through our extensively experienced team of full-service insurance agents to meet your unique driving needs.

Don’t settle for less—choose the best Car insurance in Michigan.

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Trusted by the top 100+ companies worldwide

Why Choose Schnaidt for Car Insurance

Schnaidt Insurance Agency goes beyond just providing car coverage. Here’s why we’re your perfect pit stop for a smooth ride

Personalized Coverage

We craft car insurance plans that fit your specific needs and budget, ensuring you’re protected without overpaying.

Dedicated Support

Our team of licensed agents is always in your corner, ready to answer questions and guide you through any claims process.

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(586) 838 2555

Drive Protected: Explore Our Car Coverage Options

Michigan’s roads are yours to explore with the right car insurance. We offer a variety of coverage options, from mandatory No-Fault insurance to optional protection for your vehicle.

Bodily Injury Coverage

Bodily injury liability coverage pays for injuries you cause to someone else in an accident. It covers medical expenses, lost wages, and legal fees if you are sued. This coverage is essential for protecting your financial assets in the event of an at-fault accident.

Limited Property Damage

Limited property damage insurance, often referred to as mini-tort coverage, is designed to pay for minor damage you cause to someone else’s vehicle when you're at fault. This coverage helps cover the out-of-pocket costs that the other party might incur due to the accident.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP) covers medical expenses, lost wages, and other related costs for you and your passengers, regardless of who is at fault in the accident. PIP can also cover rehabilitation costs and, in some cases, essential services such as child care.

Uninsured/Under Insured

Uninsured/underinsured motorist coverage protects you if you are involved in an accident with a driver who either has no insurance or insufficient insurance. This coverage helps pay for medical expenses, lost wages, and other damages if the at-fault driver cannot fully compensate you.

Comprehensive Coverage

Comprehensive coverage pays for damage to your vehicle caused by events other than collisions, such as theft, vandalism, fire, natural disasters, and falling objects. This coverage ensures that you are protected from a wide range of potential threats to your vehicle.

Collision Coverage

Collision coverage pays for damage to your vehicle resulting from a collision with another vehicle or object, regardless of who is at fault. This coverage is crucial for ensuring that repair or replacement costs are covered in the event of an accident.

Car Rental Coverage

Car rental coverage helps pay for the cost of a rental car while your vehicle is being repaired due to a covered loss. This coverage ensures that you remain mobile and can carry on with your daily activities without interruption.

Roadside Coverage

Roadside assistance coverage provides help if your vehicle breaks down or you encounter other issues while on the road. Services typically include towing, battery jump-starts, flat tire changes, lockout assistance, and fuel delivery, ensuring you're never stranded without help.

Real Clients With Honest Reviews

Our clients’ success stories speak for themselves. See what they have to say about working with us

STEPHANIE IS TRULY AMAZING. Got me GREAT pricing on my insurance. I HIGHLY recommend Schnaidt Agency(AAA) to anyone looking for insurance, mainly on the fact that they will help you with understanding the process all while doing what they can to get you a better price then your current, with FULL coverage.

Lulu Briggs

Client

Jeremy is the best! He had helped me with my insurance needs for many years now. Always available with my questions anytime! Easy to work with.

Kristin Rogers

Client

Jeremy and his staff are super attentive, courteous, and get you the best service in town for insurance. I’m glad to work with him as he’s only a phone call away

Mehmed Muharemovic

Client

Jeremy and Michelle are both great. Affordable prices and quick to answer any and all questions, highly recommend this place!

Danielle

Client

If pricing is not a sell point for you, they offer so many savings by becoming a member, that it's worth starting a journey with (AAA) & get coverage in the future! Thank you again to Stephanie who worked with me by helping me get a price for my auto insurance that I could afford! & Thank you to the team for being awesome! Very trusted company and employees here!

Jennifer Giannosa

Client

Explore The Best Options Of Car Insurance In Michigan​
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Lets think of a scenario where you might need an auto insurance claim

Emily and her two children were involved in a car accident. She was stopped at a stoplight where she was rear ended by another vehicle.

Emily suffered minor bruising on her chest, which sent her to her primary care physician for an exam the next day. Emily’s car sustained a decent amount of damage but is repairable

She files a claim with her agent and picks a repair shop to work on her car. As she drops her car off at the repair shop she picks up a rental car.

After the work on the car has been completed, the insurance company sends payment directly to the shop. Emily drops her rental car off and picks up her vehicle.
All is good!

What’s in Play Here

Broad Form Collision:

Because Emily carried “broad form” collision on her insurance policy, she was not responsible for paying her deductible as it is waived for non-at fault accidents.

Rental or Transportation Coverage:

Emily’s car had rental or transportation coverage, allowing her to rent a car at no cost to her while her car was being fixed.

Personal Injury Protection (PIP):

Unlimited medical coverage, with the auto insurance company as the primary payor, kept Emily from having to pay any medical bills after her deductible was met.

How to Lower Your Car Insurance Rates?

Car insurance premiums in Michigan are higher in comparison to other states, but they’re beneficial in the long run by providing financial cover in case of any predicament to cover lawsuits and other auto incidents-related expenses through comprehensive coverage of car insurance in Michigan.

Here are some ways to consider controlling the cost of your car insurance plan without losing any of the required coverage.  

1. Maintain a Clean Driving Record

To lower your car insurance for young drivers, it's important to maintain a clean driving record. Avoiding traffic violations and accidents will help you establish a history of safe driving, leading to lower premiums over time.

2. Take Advantage of Discounts

Insurance companies offer discounts to students with high GPAs and to those who complete driver's education or defensive driving courses. Make sure to look for any available discount offer.

3. Bundle Home and Auto Insurance

Bundling home and auto insurance policies can lead to significant cost savings through discounts offered by many companies, providing convenience and potential financial benefits.

4. Consider Low-Income Car Insurance Options

For individuals with limited financial resources, considering low-income car insurance options could be a wise choice. Some insurers provide more affordable plans tailored to meet the needs of young or new drivers on a tight budget.

5. Choose the Right Coverage

When choosing insurance, it's important to balance higher deductibles with essential coverage like car insurance liability. Ensure the coverage meets Michigan's legal requirements and your individual needs.

6. Shop Around and Compare Quotes

When seeking car insurance in Michigan, it's important to compare quotes from different providers to ensure you get the best deal. This is crucial for specialized coverage like Progressive commercial truck insurance.

7. Drive a Safer Vehicle

Remember that the car you choose can significantly affect how much you pay for insurance. Selecting a car with top safety ratings and lower repair expenses can lower the cost of car insurance for young drivers.

8. Consider Usage-Based Insurance

Usage-based insurance programs keep an eye on how you drive and give you a break if you're safe behind the wheel. This can really help out young drivers who are cautious while driving.

Get The Expert Advice From Our Experienced Team

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Choosing The Right Car Insurance Agent In Michigan

When it comes to finding the right car insurance agent in Michigan, there’re multiple factors to consider. Here’s why choosing us is the best decision for your insurance needs:

1. Full-Service Expertise

As a full-service insurance agency, we offer a comprehensive range of insurance solutions, from classic car insurance to progressive commercial truck insurance, ensuring all your needs are covered under one roof.

2. Personalized Coverage

Our agents specialize in finding the best coverage options tailored to your specific needs, whether you’re looking for car insurance for young drivers, car insurance for students, or car insurance for teachers.

3. Affordable Solutions

We provide options for every budget, including low income car insurance and multi car insurance packages, helping you save money while maintaining essential coverage.

4. Easy Switching

If you're considering switching car insurance, our experienced team will manage the transition seamlessly, ensuring you experience no lapse in coverage.

5. Comprehensive Bundling

Simplify your insurance needs with our bundle home and auto insurance options. Combining policies with us can lead to significant savings and convenience.

6. Expert Guidance for Learner Drivers

Our agents provide specialized advice for car insurance for learner drivers, ensuring new drivers receive the protection they need at an affordable rate.

7. Exceptional Customer Service

We pride ourselves on delivering unmatched customer service, with a team that’s dedicated to answering your questions and providing support throughout your insurance journey.

8. Customized Solutions

Whether you need coverage for a single vehicle or multiple cars, our agents will work with you to find the best liability car insurance and other policy options that fit your specific needs.

Our Licenced Insurance Agents With Their Extensive Experience

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Tailored Coverage Plan: Car Insurance In Michigan

At SIAgency, we believe that no two drivers are alike, and your car insurance should reflect that. We offer a wide range of custom coverage options designed to meet your specific needs and provide the protection you deserve.

1. Car Insurance for Young Drivers

We understand that young drivers face unique challenges on the road, and finding affordable insurance can be tough. Our policies offer comprehensive coverage at competitive rates, giving you peace of mind as you gain experience behind the wheel.

2. Car Insurance for Students

Balancing education and car insurance costs can be difficult. Our student policies are designed to be affordable, ensuring you stay protected without breaking the bank.

3. Car Insurance for Teachers

Teachers play a vital role in our communities, and they deserve special consideration. Our teacher-focused policies offer comprehensive coverage at competitive rates, helping you stay protected on the road.

4. Classic Car Insurance

Owning a classic car is a special experience, and protecting it requires specialized coverage. Our classic car insurance policies safeguard your valuable investment, allowing you to enjoy your ride with peace of mind.

5. Liability Car Insurance

If you’re looking for basic coverage that meets Michigan’s state requirements, our liability car insurance plans offer essential protection at an affordable price.

6. Multi Car Insurance

If you own multiple vehicles, our multi car insurance packages allow you to bundle your policies, saving you money and simplifying your insurance needs.

Your Top Insurance Questions

Yes, No-Fault insurance is mandatory in Michigan. It covers medical expenses, lost wages, and certain property damage for everyone involved in an accident, regardless of fault.