Best Auto Insurance Rates In Traverse City MI | Top Car Insurance Agents TC MI

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Cheap Car Insurance In Traverse City MI

You may find the information below helpful when deciding on the appropriate Traverse City Michigan Car insurance coverages. Finding Cheap or Affordable Coverage is most certainly at the top of the list when it comes to budgeting. Consider that by trying to save money, you may be sacrificing some coverage which could in the event of an accident could end up saving you money or low cost providers that may offer insufficient coverages in the event of a large expensive accident.

Car Rental Expense – Pays for renting a car up to the available limits when the insured car is not drivable or is being repaired due to a covered comprehensive or collision loss.

Collision – Collision coverage pays for damage to a covered vehicle caused by::

Collision with another vehicle

Collision with an object and/or person

A vehicle rollover

Comprehensive – Comprehensive coverage pays for loss of or damage to an insured vehicle by an uncontrollable event and not caused by a collision or vehicle rollover. Causes of loss include:







Hitting an animal or bird

Emergency Road Service – ERS coverage provides service when the insured vehicle is not drivable or operational for any reason.You can add this to your Car insurance policy.

Service includes:

Mechanical labor, for up to one hour for the insured car at the place of breakdown

Towing to the nearest repair facility

Towing a covered vehicle out of a location where it is stuck

Delivery charge for delivery of gas, oil, tire, or battery

Locksmith services, for up to one hour


Liability – Liability coverage as part of your auto insurance policy is mandatory in most states and pays damages to others for which the insured is responsible. It is normally broken down into two parts:

Bodily injury (BI) and Property damage (PD)

BI limits are expressed as two figures, such as 50/100. The first figure represents $50,000, which would be the most money paid to an individual for a given accident. The second figure means that up to $100,000 would be paid to all persons injured in a single accident.

PD limits are expressed as a single figure, such as 25. This represents $25,000, which is the limit paid for property damage for a given accident.

Often, BI and PD limits are displayed in a sequence and referred to as split limits, such as 50/100/25.

No-Fault or Personal Injury Protection (PIP) – PIP coverage pays medical expenses and a percentage of lost wages due to injuries resulting from an auto accident. It does not take into account fault. Coverage may also apply for rehabilitation, replacement of services (e.g. housework) and funeral expenses.

Underinsured Motor Vehicle Coverage – This coverage pays damages when a covered person is injured in a car accident caused by a driver who is insured but doesn’t have enough liability insurance to cover the damages. It covers the difference between the limits of this coverage and the amount paid by the driver at fault.

Uninsured Motor Vehicle Coverage (U) – This coverage pays damages for injury to an insured when the insured is in a car accident caused by another person who does not have liability insurance. In some states, this coverage may also pay for property damage.



Driving Tips to Reduce Your Traverse City Car Insurance Rates-


Driving experts say there is very little that is accidental about a highway crash, death or injury. Each is caused by factors we can influence – the car, the road, the driver, or a combination of all three. The purpose of this booklet is not to give you “Rules of the Road” or statistics about auto accidents. What we have provided are some important common sense tips to consider that will help prepare you for the different driving scenarios that you may encounter.

Before you start your vehicle:

Buckle up.

Make sure that your vehicle is in proper working condition. (For example, lights, brakes, tire pressure, fuel, oil, etc.)

Make sure that the steering wheel, driver’s seat and the mirrors are in the ideal position for you as a driver. (You should be seated as far away from the steering wheel as possible, but still be able to comfortably reach the pedals without sliding down in your seat. The rearview mirror should be positioned so you can see everything that is directly behind the vehicle and just the top of your vehicle’s trunk. The side view mirrors should be positioned so that you can only see the back portion of each side of your car.)

In Town:

Move with the flow of traffic. Don’t lane-hop.

Use your signal when changing lanes.

Keep a minimum distance of two seconds between you and the vehicle ahead.

Slow down when approaching intersections and look for pedestrians and bicycles.

Never assume that when the traffic light turns green, that the intersection is safe to enter. Check to see that cross traffic has stopped.

Never assume that just because someone has stopped to allow you to make a left turn across a multi-lane roadway, that all is clear.

When turning right at an intersection, be sure that the car ahead of you has moved out before looking to see if there is a gap in traffic for you to proceed.

Leave plenty of room between you and large vehicles such as semi-trailers, trucks, buses, vans and large SUV’s. These large vehicles can block your view of important traffic signs, or signals which can create an increased accident risk.

Police cars, ambulances and fire equipment vehicles always ah ve the right-of-way. Move as far to the right of the road as possible and stop when you hear a siren approaching.

Buses, delivery trucks and taxicabs make frequent and unannounced stops. Be alert and prepared to stop quickly.

Rural Roads:

Always buckle up. Just because there may not be as much traffic on a country road, there are plenty of other hazards that you may encounter.

Don’t assume that the intersection that was safe and clear to enter in April is just as safe in August. In rural areas such as farms, the full growth of certain crops near the roadway can impeded sight distance at the intersection and may contribute to crashes.

Stick to the speed limited posted. Rural roads have posted speed limits that reflect the “design speed” of those roads. Exceeding the posted speed limit may not give you enough time to stop or keep complete control of your vehicle when going around a curve.

Cyclists share the road with automobiles; give cyclists plenty of room on the pavement when passing them.

Never pass another vehicle on a two lane road when the centerline is solid yellow.

On the Highway:
Take extra precautions when:

Before passing our changing lanes, always check rearview and side view mirrors. Make sure the lane ahead is clear of oncoming traffic, and use your signal indicator. Use your signal and return to the right lane when you can completely see the vehicle you just passed in your rearview mirror.

Keep a minimum distance of two seconds between you and the vehicle ahead.

If another vehicle is following you too close, slow down and let them pass or once you have slowed to a safe speed, pull gently off the road if you were being tailgated.

Entering or exiting a freeway. Always use your turn signal and never try to back on to the freeway if you miss an exit.

In Emergencies:

Brake failure. Tap the brake pedal to take advantage of any remaining braking power. Shift to a lower gear. Take foot off accelerator and steer off the road when it’s safe to do so.

Radiator boil-over. Don’t try to drive the car to the next service station – doing so may damage the engine. Don’t rush to remove the radiator cap – you could be sprayed with hot water. Get your vehicle well off of the roadway out of traffic. Wait for the radiator to cool completely before adding water.

Headlight failure. Turn your emergency hazard lights on immediately. If the flashing lights are working, it may help you see the road until you can slow down enough to pull off to the side. Once the vehicle is safely parked, turn on the inside dome light. It is safe to do so and weather conditions permit, get out of the vehicle and move as far away from the road as possible.

Vehicle stalls on road. If it is safe, and possible to do so, get your vehicle off the roadway. Turn on your hazard warning lights, raise the hood and step away from the vehicle. If possible, try to warn approaching traffic several hundred feed in advance so they have time to slow down. Use flares, reflective triangles or other appropriate warning devices.

Vehicle runs off the side of the road. Don’t swerve back or brake suddenly. Keep a firm grip, but do not jerk the wheel to over-correct your steering. Ease off of the accelerator and brake gently until you can safely ease back onto the road.

Cell Phone Use:

A study published in the New England Journal of Medicine reported the risk of collision when using a cell phone while driving is four times higher than the risk when one wasn’t being used.

If it is safe to do so, pull off the road while talking on the phone.

Don’t use your cell phone during distracting or heavy-traffic situations.

Avoid intense conversations while driving.

Place your phone, or have it mounted within easy reach and close to your line of vision.

Know all of the operations of your phone without looking.

Program numbers in your phone and dial sensibly.

Never take notes while driving.

As your Traverse City Car Insurance Resource Center we will continue to post Car Insurance Related tips and tricks that will save you money and hassle.

Traverse City Car Insurance
Find The Best Auto Insurance Rates In Traverse City MI
309 E Front St
Traverse City, MI

Serving Northern Michigan