Office HoursMonday-Thursday 9am-6pm, Friday 9am-5pm
Affordable Insurance Services in Shelby, MI

Challenging situations can appear out of nowhere, no matter where you go and what activities you perform. That’s why you need to be sure that you have access to the best Affordable Insurance Services in Shelby, MI and solutions that you can find on the market.

What types of insurance do you cover?

We cover everything from car insurance to life insurance, business insurance, commercial insurance, homeowners insurance, long term care and many others. We are fully committed to excellence and quality, and we always adapt and implement the right insurance services according to your needs. All you need is to work closely with our team, and you will be incredibly impressed with the results.

Each one of our insurance services is fully customizable according to your needs. We commit to delivering insurance services that are easy to use, but which can also cover you whenever you need any help and assistance. All you have to do is to rely on our team, and the experience can be a great one every time. You just have to avail the opportunity and use our solutions.

Why choose us?

Shelby Township Insurance is here to ensure that you gain access to all the time. Whether it’s fire insurance, social insurance, homeowners insurance or auto insurance, you always need the right amount of protection and support. We know that, which is why we created very high quality, dependable and reliable insurance services for every customer. All you have to do is to work closely with us, and we guarantee you will be very happy with the results every time. This is an amazing opportunity and one of those things that can help push the experience to the next level every time.

Outstanding, varied insurance solutions

We are always ready to ensure that our customers gain direct access to the best and most dependable insurance services. We commit to quality and excellence, and we cover all the most important services on the market. All you have to do is to contact us and let us know what solutions you need. Our team is always ready to help and provide all the insurance assistance you need.

With help from Shelby Township Insurance, the insurance services are easier to access and a lot more professional than ever before. These all insurance coverage solutions are designed for those that need complete protection and support, and we are here to offer that. Of course, you can also pick and choose what solutions you want, according to your own requirement. Contact us today and let us help you with the best insurance services.

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.

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

We will save you money on your insurance guaranteed! Call us today!

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