How is my Insurance Rate determined?

NOTE: Pioneer State Mutual believes the most accurate way to determine your rate is to speak with an Independent Insurance Agent. They will be able to calculate your coverage needs, most suitable deductible(s), and find discounts that may apply to your situation.

Can having a higher deductible make my payment more affordable?
Yes, insurance companies typically offer savings for those who choose higher deductibles. Therefore, you would pay more out of pocket before your insurance coverage takes affect at claim time, but you would save more money on your premium.

Is bundling insurance cheaper?
Often yes, but it depends on each insured and situation.

How do I know if I’m adequately covered?
Review your policy with your independent insurance agent. Make sure to consider all assets and the level of risk you are comfortable with.

How long is my policy in-force?

How do I check what insurance coverages I currently have?

What is this MCCA Deficit Recoupment line item on my policy?
This fee is required for every vehicle* on every auto policy in Michigan (regardless of the PIP Medical limit you have selected) and is the same amount with every insurance company. The money doesn’t go toyour insurance company, but rather, through your insurance company. A nonprofit entity called the Michigan Catastrophic Claims Association (MCCA) manages these funds to pay the medical bills of people who were catastrophically injured in an auto accident.  You can visit the MCCA website for more information.

* Vehicles kept in storage and/or trailers are not subject to this fee.

What happens if I move out of Michigan?
You must obtain new insurance in whatever state you are taking residence in.