Office HoursMonday-Thursday 9am-6pm, Friday 9am-5pm

Why choose us?

Our mission is to
protect what’s
important to you. Guaranteed!

24/7 Customer support

Our team is ready to serve you anytime day or night. We are here to help. Contact us today to get full support from us!

Auto Insurance

Shopping for car insurance can be confusing. Let our friendly staff help you find the right policy for you!

Homeowners Insurance

Not all homeowners insurance policies are the same. Make sure your home and property have the protection they need and deserve.

Life Insurance

If something happened to you would your family be ok? Our experts will help you find an affordable policy that’s right for you. Get a life insurance today!

Paying Too Much
For Car Insurance?

We offer the lowest prices for car insurance…period! We don’t offer cheap car insurance but instead we offer low cost car insurance that protects you when you need it. Talk to one of our specialists and we’ll help you find the perfect policy for you.

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Is Your Home
Completely Protected?

Your home is the most valuable possession you have. Make sure you have the right amount of protection for your property and all of the things in it. Our expert staff will help you design the best homeowners policy for you.

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What If Something Happens To You?

Life Insurance isn’t always a fun topic to discuss but it’s necessary to protect the ones you love. We offer affordable options that will give you the right amount of protection and give your family the piece of mind they deserve.

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Customer Service Is Our #1 Priority

You keep building the life you want. We'll protect it.

Todd and his team are great! Very accommodating, letting me know what they would recommend based on what my needs are. Very quick to get an answer if they don’t have it. I recommend them to my family and friends.

Alvin R

From Shelby Township

I’ve been working with Todd and Shelby Township Insurance for over 5 years and I couldn’t be happier. We have car, homeowners insurance and life insurance policies with them and they always make sure we have everything we need. You should call them!

Jennifer W.

From Sterling Heights

I’m a business owner so my insurance needs are complicated. What I like about Todd is that he takes my personal and business needs and creates a plan that works for everything. Thank you Todd Terry!

Whitney F.

From Troy

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Auto Insurance

We are experts in delivering the best car insurance solutions. We understand how difficult it can be to find a good car insurance service that suits your needs. That’s why we present you the best car insurance, but also the cheapest car insurance. This way you will have no problem identifying the offers and figuring out what works for you, which is what matters the most. This is a great way to protect yourself while on the road, since Shelby Township Insurance will be ready to assist in case of any incident.

Homeowners Insurance

Being a homeowner is one of the best feelings in the world. With our homeowners insurance you get to protect your investment and ensure that nothing happens to it. We believe that the right Shelby Township Insurance for homeowners can help you access outstanding results, while making sure that you are happy with the outcome every time. All you need is to work closely with our team in order to pick the right option you need. Contact Us today and get a quote for Homeowners Insurance!

Life Insurance

It’s extremely important to usen life insurance services if you have a dangerous job or if you just want to have a lifeline for your family in case anything happens. Human life is fragile, and it can easily falter when you least expect it. Which is why using the right life insurance services can help provide you with the assistance and support you need. We are firm believers that investing in Shelby Township life insurance has the potential to protect you and your family, and we will do our best to help you with the cheapest insurance premium.

There are lots of unknowns in everything we do nowadays. Sometimes we might even encounter danger and all kinds of challenges. Which is why we need to do everything we can in order to stay safe and away from any danger. Adequate insurance solutions can help save your life, eliminate financial losses, while also offering your loved ones the assistance and support they are in dire need of. Shelby Township Insurance is a professional insurance company focused on delivering customers outstanding services that are fully customized to suit their needs and requirements.

Who are we?

We are Shelby Township Insurance, an insurance company created by Todd Terry. Todd has more than a decade of experience in the insurance industry, and together with the Shelby Township Insurance team, he will be able to assist you in finding cheap insurance in no time. We are focused on bringing the very best insurance services, while also eliminating concerns and fully personalizing every service according to your requirements.

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Contact us today for the best insurance solutions

Shelby Township Insurance is here to ensure that you have all the protection and assistance you may need. We are committed to excellence and to the ultimate customer satisfaction. Each one of our services can be fully customized and adapted to suit your requirements. All you have to do is to contact our team, and we will provide you with an insurance quote right away. Avail this opportunity and give our insurance services a try today!

Bundle your auto and property insurance and save money!

Car Insurance

Property Insurance

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Auto Insurance Frequently Asked Questions

Your policy will cover you while you are driving your own vehicle. But what happens if a family member is driving your car on a run to the grocery store? Or a friend borrows it to run an errand? And how will the policy work if you are driving someone else’s vehicle and you are involved in an accident? How each of these situations will be handled will depend upon your insurance carrier, as well as the laws of the state of Michigan. The Shelby Township experts will help you find the right car insurance policy for you.

This is one of the most common questions we get asked. And ultimately the answer depends on your specific situation. We can customize your policy to help you get the right amount of protection. One example is un-/under-insured motorist, or UM. Even if it is not required in Michigan, it’s good insurance coverage to have. It is fairly inexpensive, and it will cover the cost of repairs if you’re hit by a driver who is uninsured or underinsured. Still another example is personal injury protection. This is another inexpensive add-on that will pay for your medical expenses (up to a certain limit) and lost income if you are hit by another driver.

You can always lower your premiums by increasing your deductible. But while that may be a good strategy to keep your premiums low, it could be the wrong strategy for you individually. For example, if you can save $200 per year on your premium by increasing your deductible from $500 to $1,000, you will be increasing your personal risk in the event of an accident. Sure, you may save $200 on the premium, but you will now have to pay $1,000 on a claim rather than $500. So if you’re not particularly good at saving money, and you don’t normally keep at least $1,000 in savings just for emergencies, raising the deductible could put you in a financial bind should you get into an accident and need to pay the higher deductible.

There can be dozens of reasons for this and our experts will help you understand each one. We will also help you find a way to work around them, if possible. For example, if high premiums are being caused by too many traffic violations, we will work with you to remove them from your record once they expire. Talk to us today!

Keep in mind that certain lines of work will be specifically excluded by your policy. For example, it is very typical for car insurance policies to exclude coverage if your car is used in connection with sales work or any kind of delivery function. Even if you have a policy in place, if you’re using your car for an excluded function, you may not be covered should you get into an accident while you are doing your job. Our friendly staff will help you choose the right option for you.

We can help you find policy discounts if you pay your premium on an annual basis, instead of quarterly, or if you pay quarterly instead of monthly. But some policies also offer you a discount if you pay by credit card—presumably this will make it easier for you to make an annual payment. This is one of the easiest ways to save money on your premium so talk to us today!

Towing is typically available for either an accident or a mechanical breakdown while you’re on the road. This is important because such episodes tend to happen without warning. Roadside assistance is also valuable, because sometimes all you need is to have a flat fixed or to have your battery jumped. Having this coverage will save you a considerable amount of money, as opposed to calling a local mechanic. We also offer policies that make these services available on a 24/7 basis, since accidents and car stalls often occur on weekends or during the late-night hours. A policy that has these coverages will be advantageous because it will require less out-of-pocket costs on your part in the event of an emergency. Call us today and we’ll take care of all your needs!

The short answer is yes. However, there are many factors that will determine what costs you may be responsible for. Your deductible and coverage amounts will be the major factors if any repair costs will be your responsibility. Talk to one of the auto insurance experts at Shelby Township Insurance and we’ll make sure you have the right coverage.

We offer dozens of different discounts. For example, it’s common for discounts to apply when you have certain safety equipment, such as airbags. There are also typically discounts for good students, and for certain occupations that are known to carry a lower risk than normal. The only way you will know if you qualify for any of the discounts that you are entitled to will be to talk to one of our experts. Call us today!

This coverage is typically required if you lease your car, but you may want to have it if you have a loan on your car as well. Car insurance policies typically cover no more than the book value of your vehicle. But if the amount of the loan you owe on the car is higher than the book value, you could end up getting stuck paying the difference between the two should your car be totaled. We can help you avoid that. Gap coverage is specifically to cover the difference between a car loan and the value of the vehicle. If you have it, the loan will be paid off even if it exceeds the car’s book value.

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