Office HoursMonday-Thursday 9am-6pm, Friday 9am-5pm
Auto Insurance Agent in Shelby MI

When you’re on the road, anything can happen. There are millions of accidents happening every year, some very minor, others extremely complicated and problematic. Which is why you always need to ensure that you protect yourself and your vehicle from any possible problems. And that’s where Shelby Township Insurance Auto Insurance Agent in Shelby MI comes into play.

Why Shelby Township Insurance?

Everyone wants cheap car insurance but that may not be the best answer for you. Our insurance experts will help you find an affordable car insurance policy that is right for you. We are offering comprehensive auto insurance solutions that will help you stay safe while on the road. It’s more important than ever to ensure that you are safe and protected from any accidents or problems that might arise. With our help, you get to access all the services and support you need. We know how tricky and demanding it can be to deal with all kinds of challenges, and we are always ready to assist every step of the way. All you have to do is to work closely with our team, and we guarantee results will be second to none every time.

It’s extremely important for us to help you get the coverage you need, while also ensuring that you obey the current laws as well. Having the right auto insurance is very important. It’s not only mandated by the law, but it’s the right thing to do if you want to stay safe and prevent any possible problems that might arise. We know how tricky it can be to deal with such problems, and we are always ready to help every step of the way.

You can contact us at any given time for a quote, and our team will be there to assist every step of the way. We know that it’s not going to be easy to find an appropriate insurance service that actually suits your requirements. Thankfully, with our help that’s a lot easier than ever before. When you ask us for a quote, we will assess your needs and requirements to provide the ideal insurance coverage. We know how to approach such a service appropriately and in a proper manner, and we are always committed to making the experience as comprehensive and as professional as possible.

Types of Auto Insurance

We offer a variety of auto insurance solutions that you can access and use right away. We have comprehensive auto insurance, but also roadside assistance coverage, bodily injury liability, uninsured motorist services, gap coverage, collision and so on. We believe that various issues can appear out of nowhere, so you need the right help and support. We know that, and we are always ready to deliver that as quickly as possible. All you have to do is to work closely with our team to achieve the best results.

Shelby Township Insurance provides outstanding auto insurance solutions that are reliable, easy to use and fully adaptable to your own requirements. We understand that nothing is impossible, and when you choose to work with us, you will be very impressed with the outcome. Contact us today and let us get started with finding you the best auto insurance services you need!

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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