Michigan Auto Insurance Quote Online

Auto insurance can be complicated. We make it easy. Get a Michigan auto insurance quote online in just a few minutes, or speak to a local agent first for advice and assistance.
 Even when quoting online, you always have a local agent available to speak with at no additional cost to you!

Get an Auto Quote

Get an Auto Quote Online

Select a local agent to help

 

Customizing your own auto quote online with Pioneer State Mutual can take as little as 3 minutes! We offer all the tech of a national carrier, with the personal touch of a small company. Our local independent agents live and work in your communities, and are always available for advice about your coverage needs.

Pioneer State Mutual Insurance understands every driver wants car insurance coverage that will get them back on the road if they’re involved in a covered crash. That’s why our Personal Auto claims staff and Independent Insurance Agents are comprised of local Michigan residents who understand Michigan drivers’ needs and can quickly handle claims. Our customers have always spoken very highly of our claims service, with over 98% reporting a positive experience with Pioneer.

General Information about Michigan Auto Insurance

The state of Michigan does things a little differently than most other states. Michigan operates under the concept of No-Fault Insurance. In short, No-Fault Insurance makes it mandatory for all vehicles to have insurance, and regardless of fault each party turns to their own insurance provider for coverage regarding damages and personal medical expenses.

There are 3 categories of coverage for autos in the state of Michigan – Collision Coverage, Comprehensive Coverage, and Liability Coverage.

Collision and Comprehensive Coverages are not mandated, but carrying Liability Coverage is required by state law. If you want to drive with the bare minimum of coverage, you may elect what’s referred to as PLPD.

PLPD (Personal Liability and Property Damage) covers injuries to others or their property. It does not extend coverage to the policyholder.

You may elect to expand your insurance coverages beyond PLPD to include either Comprehensive Coverage Only, or the combination of Comprehensive and Collision Coverage (often referred to as Full Coverage).

Comprehensive Coverage (sometimes called Other Than Collision), covers you for non-collision incidents such as theft, water damage, glass damage, or impact with an animal.

Collision Coverage is what it sounds like, but there are three different flavors to select from:

1. Broad Coverage means if you are deemed to be less than 50% at-fault for an accident by your insurance company your deductible will be waived.
2. Standard Coverage means regardless of fault you will be responsible for paying your deductible. However, after a claim is completed the not-at-fault party can file a Mini-tort claim with the at-fault parties’ carrier to recoup their deductible cost.
3. Limited Coverage means there is never a deductible required with Limited Collision. However, if you hope to have your claim covered, the insured (you) must be less than 50% at-fault and supply a Police Report. If you are at-fault there is no coverage.

Have more questions you want answered about Michigan Auto Insurance? Click here!

Check out our blog!

Want to get some good insights on topics related to auto insurance in Michigan? Check out some of our latest blog posts! The more you know, the better prepared you can be!

In a World of Endless Interruptions Don't Drive Distracted
Quick Look: While distracted driving isn’t a new concept, advancements in technology over the past several years have added new distractions to the ever-growing list.

The Run Down on Rental/Loaner Vehicle Coverage
Quick Look: Whether it’s a collision or comprehensive claim, accidents happen and when they do it can be a pretty stressful time.

Learn more about auto insurance coverage basics:

The above coverages, options, and/or discounts may vary based upon your specific requirements.
For complete coverage information and/or to receive a quote, please contact one of our Independent Insurance Agents.

Relevant Links