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Auto Insurance

 There are three main types of coverage to look for:  

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

4 Tips for purchasing auto insurance in Michigan

There’s a lot to consider when purchasing auto insurance. Price is at the top of most customers’ list, but it’s important to discuss these types of coverage with your agent:

1. Bodily injury liability limits     
We live in a very litigious environment, if you’re sued due to an auto accident make sure your policy has adequate coverage. Ask your agent about increasing your liability limits or carrying an umbrella. 

2. Broad vs. standard collision coverage

Unlike standard collision, broad form collision coverage waives your deductible in the event of a not-at-fault accident. Although many customers are opting to use standard collision to save money, be sure to discuss the possible implications with your agent.

3. Uninsured/Underinsured motorist coverage

If you were to get in an accident with a driver who has minimum liability limits or no coverage at all, make sure your policy covers those gaps.

4. Loan/lease gap coverage
For new car purchases and lease agreements, “gap” insurance is a must. In the event of your new car being totaled or stolen, this coverage will pay the difference between the current value of the car and how much you still owe the finance company. 

auto insurance quote button for E.W. Smith Insurance Agency

We have been dealing with E. W. Smith Agency for more than 35 years. Our current agent, has been servicing our insurance needs for the past 15 years. She is always pro-active in contacting us regarding discounts available, and ideas to try to save money. It means a great deal to have an insurance company and agent watching out for you, in this world where it is difficult to get excellent customer service.


You can use our quick and easy quote form to begin your home insurance quote. If you would like to speak to one of our insurance professionals you can either call one of our local offices.

Additional information regarding car insurance:
5 Ways to Save on Auto Insurance
4 Tips to remember when getting home insurance
7 ways cheap auto insurance can cost you
The real reason your auto insurance went up
Can I afford this vehicle?

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