We all know that state law requires us to carry auto insurance. However, meeting the state requirements and meeting your coverage needs can be two completely different things.
There is no such thing as a one-size-fits-all policy when it comes to auto insurance. At JPS you will work with a licensed agent that will take the time to help design a customized policy to fit your needs:
Do you have a 1 car or 4? You might need rental reimbursement coverage to keep you on the road while your car is being repaired.
Can’t change a tire? Don’t worry, we can help with roadside assistance.
Youthful driver? Let’s discuss good student, safety courses, away at school, and other discounts available for your new driver.
Do you have young children? How about extra protection for their car seats…
Is your dog your trusty co-pilot? We’ve got options to protect your pet in case of an accident.
Do a lot of traveling? We can discuss upgraded rental car coverage so you can reject it at the counter with confidence. Don’t forget to ask about trip interruption coverage.
We could go on but you get the picture…
Why are my auto insurance rates so high in Michigan?
There are many factors that contribute to the cost of your auto insurance, including the increase of the cost to repair a vehicle. The technology of modern vehicles is such that repairs are generally extremely expensive. In Michigan, a large portion of the increased cost is due to the personal injury protection (PIP).
What is Personal Injury Protection?
PIP stands for Personal Injury Protection. Up until recently, it was required that all residents carry unlimited PIP coverage, which provides lifetime benefits for injuries or work loss sustained in an auto accident. Recent PIP reforms have allowed for options of reduced limits and in certain cases, exclude PIP coverage altogether.
When do I need to add my teenage driver to my Auto Insurance?
You should add your youthful driver to your policy when they obtain their learner’s permit. This will have very little impact on your auto rates. When your pride and joy becomes fully licensed, we have teen driver discounts that will help significantly reduce the increased rates!
What are the main coverages that I should consider when updating my auto insurance?
When changing insurance carriers, you should consider what auto insurance coverages are most applicable to you, including auto liability coverage, uninsured and underinsured motorist coverage, comprehensive coverage, collision coverage, medical payments coverage, and personal injury protection.