Escanaba Car Insurance

Escanaba is the third-largest city in Michigan’s Upper Peninsula. Busy roads at any time of day can make even the most careful drivers susceptible to accidents. If you are involved in a car accident, the financial consequences can be daunting. If you cause an accident, you can expect to pay for all of the damage and injuries for yourself, other drivers, and passengers. 

You can hit the Escanaba roads with confidence if you have a reliable auto insurance policy. Car insurance removes the financial burden after an accident, so you can quickly recover. To make sure you get the best coverage for your needs, contact a local independent insurance agent. Independent agents can explain your options, help you comparison shop, and arm you with the information you need to make the best choice for your needs and budget. 

Michigan Car Insurance Requirements

Without car insurance, you are entirely unprotected from the financial consequences of causing a crash. Michigan law requires all vehicle owners to have a minimum amount of coverage, including:

• Bodily injury liability: Required
• Property damage liability: Required
• Personal injury protection (PIP): Required
• Uninsured motorist coverage: Not required
• Minimum liability limits: 20/40/10; coverage up to $40,000 for all persons injured in an accident, subject to a limit of $20,000 for one individual; and $10,000 coverage for property damage

It’s important to understand that the minimum liability insurance requirements may not be sufficient in all circumstances. If you cause a major collision, the resulting expenses can be insurmountable. Any expenses that exceed your coverage limits must be paid for out of your pocket. If you are sued for negligence, you’ll have to pay for an attorney and court costs, and you could be required to pay a settlement or judgment to an injured party. With the help of an independent agent, you can assess your risks and determine how much liability coverage is necessary to adequately protect your family.

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How Much Does Auto Insurance Cost in Escanaba, Michigan?

Michigan has the most expensive car insurance in the US, although average rates in Escanaba are a little lower than in some areas of the state. 

• National average annual car insurance cost: $1,311
• Michigan average annual car insurance cost: $2,476
• Escanaba average annual car insurance cost: $1,968

Everyone’s car insurance rates are a little different. You probably won’t pay the same as your neighbor or coworker because your rates are based on factors such as:

• Your age, gender, and marital status 
• Your driving history and credit score
• Your car’s year, make, and model
• The approximate number of miles you drive each year
• The coverage limits, coverage options, and deductibles you choose
• Whether you are bundling your auto insurance with other policies like homeowners insurance or renters insurance

Drivers who are considered to be riskier will pay more for insurance. You might pay more if you simply have more people or vehicles in your household, or if you have a history of speeding or filing costly claims. People who are older tend to pay less than younger people, and those who drive safer vehicles (a mini-van instead of a sports car) can also expect to pay less. Fortunately, even if you are a risky driver, you probably qualify for at least one discount to help offset some of the expense. Consider bundling your car insurance with your home insurance or renters insurance in order to receive the best rates. An independent agent in Escanaba can help you compare quotes, choose policy options, and maximize your discounts. 

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Number of Uninsured Motorists in Michigan

Driving without insurance is against the law in Michigan, yet many drivers continue to drive without coverage. If you are caught driving without insurance, you can face fines, license revocation, and even jail time. 

• How many US drivers are uninsured? 12.6%.
• How many Michigan drivers are uninsured? 20.3%.

Michigan has the 4th highest percentage of uninsured drivers in the US. That’s why it’s so important to protect yourself with uninsured motorist coverage. If you are in an accident that is caused by an uninsured driver, you may have to pay for your vehicle damage and medical bills on your own. Uninsured motorist coverage ensures that you have protection from uninsured and underinsured drivers. 

Number of Auto Thefts in Escanaba, MI

The average auto theft rate across the state of Michigan is lower than the national average. The Escanaba auto theft rate is even lower. 

• National auto theft rate per 1,000 vehicles: 2.94
• Michigan auto theft rate per 1,000 vehicles: 2.03
• Escanaba auto theft rate per 1,000 vehicles: 1.05

Anyone can be a victim of auto theft, even if you live in a safe city like Escanaba and take precautions to protect your property from criminals. If your car is stolen and you don’t have the right insurance coverage, you’ll have to pay to repair or replace your car on your own. If you want coverage for your vehicle, be sure you select comprehensive coverage, or you will not be reimbursed for a stolen or vandalized car. 

While this coverage is optional, your lender may require you to have it until your car loan is paid off. And comprehensive insurance covers more than just theft. It also reimburses you for repairs if falling objects, floods, structure fires, and more cause damage to your car. Installing a car alarm or another anti-theft device is a great way to keep thieves away from your vehicle. And drivers who take these precautions can often earn a discount on their auto insurance.

Why Contact an Independent Insurance Agent?

Drivers in Escanaba can work with a local independent insurance agent to find the right auto insurance. Independent agents can work with multiple insurance companies so you can compare quotes and choose the best policy for your needs and budget. 

Find an agent in or near Escanaba to learn more.