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Michigan Auto Insurance

Nulty Insurance keeps your vehicles road ready and protected

It’s the truth: Michiganders love their cars. Michigan was the home of Henry Ford and the cradle of the American automotive industry. Today, almost two-thirds of the households in the state own either two or three cars.

We depend on our cars. With few exceptions, they aren’t a luxury, they are a necessity to get us back and forth to our jobs, our schools, and our homes. But whether your car serves as a kid-and-pet transporter, a workhorse, a passport to vacations on the open road, or all those things, you need insurance. By law, every driver in Michigan must carry liability and personal injury coverage, at a minimum. If your car is financed, the lender may require additional coverage.

Michigan auto insurance coverage components

Here’s what an auto insurance policy generally covers. The first two coverages are mandated by law, and the third is voluntary.

  • Liability coverage pays for legal protection and property damage after an accident.
  • Personal injury coverage pays for medical treatment after an accident, including rehabilitation services. It can also cover lost wages and funeral expenses if someone dies in the accident.
  • Comprehensive and collision coverage pays for damage and theft.

Nulty Insurance will take the time to learn about your vehicles, what you use them for, your driving habits, your family, your budget, and more. That allows us to make the right recommendations for your unique situation. We’ll explain the ins and outs of automobile insurance so that you can make informed decisions.

Enough insurance, but not too much

Having minimum coverage might be OK if you have an old beater, but it can work against you if you have a nice car, a home, savings, or anything else that an injured party could attach if a serious accident were to occur. It’s important to assess your total circumstances and make informed decisions. A few more dollars now may prevent a serious loss later. There are several cartoon characters in TV ads that would urge you to pick the cheapest price, but we favor weighing the facts and making an educated decision. Sometimes the cheapest option might be the best decision; other times, it’s not, and it leaves you exposed to large losses. It depends on your unique circumstances.

While it’s risky to go for the cheapest option, you shouldn’t spend too much for your coverage either. We’ll explore opportunities to reduce your auto insurance costs through discounts, including mature drivers, safe drivers, security devices, multiple vehicles, and policy bundling. We'll also explain the pros and cons of lowering your Michigan auto insurance costs by choosing higher deductibles, limited tort, or forgoing collision on older vehicles.

Insurance for everything with wheels

In addition to auto insurance, we cover many other vehicles: Nulty Insurance wants to make sure that you have the proper coverage for all your vehicles. That’s why we offer coverage options for:

  • Motorcycles
  • Recreational vehicles
  • Horse, boat, and other utility trailers
  • Rental insurance
  • Antique vehicles

We insure boats, too

We not only insure your wheeled vehicles, we also offer insurance coverage for your personal and recreational watercraft. Ask us about our reliable boat insurance packages for:

  • Motor boats
  • Sail boats
  • Yachts
  • Personal fishing boats
  • Jetskis
  • Pontoons
  • Kayaks

 

Reach out to us!

To learn more about our auto and vehicle insurance policies, contact our offices in Otsego, Iron Mountain, Buchanan, or Kalamazoo, Michigan. Our insurance agents will explain the benefits and costs of insurance products that match your needs. We’ll find affordable quotes on policies to keep you protected both on the road and on the water.

We have many clients who have been with us over multiple generations. We invite you to find out why! Give us a call at 877-830-3099 or take a minute to fill out a free quote form. We’d love to meet you!

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