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Auto Insurance

Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Auto Insurance Information

Auto Insurance

We Work to Find You The Best Auto Insurance in Livonia, Farmington Hills and throughout Michigan

Many companies can give quotes on your car insurance.  INSURANCE PLANNING SERVICE can back it up with dedicated, licensed professionals and superior claim service.  We are a Trusted Choice insurance agency and can shop from among Michigan's finest insurance companies to find you our best possible rate.  Start saving today with a car insurance quote you can trust from INSURANCE PLANNING SERVICE.  Getting a quote is as easy as 1, 2, 3...

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What is auto insurance?

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:            Automobile
  • 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.

An auto insurance policy is comprised of several different kinds of coverage which are briefly explained below. Some coverages may not be included in your policy.

  • Bodily Injury (BI) Liability Coverage pays up to the coverage limits for damages due to injury or death of others in a vehicle accident for which you or the driver of your vehicle are legally responsible.  It also pays your legal defense costs.  This coverage is mandatory in Michigan.
  • Property Damage (PD) Liability Coverage pays up to the coverage limits for another individual's vehicle or property that has been damaged in an accident for which you or the driver of your vehicle are legally responsible.  This coverage is mandatory in Michigan.
  • Personal Injury Protection (PIP) provides unlimited medical benefits for you and your family members for injuries arising from an automobile accident.  It also includes a "work loss" benefit that pays up to 85% of your gross wages for up to three years if your injury prevents you from working.  This coverage is mandatory in Michigan.
  • Property Protection Insurance (PPI) pays up to $1,000,000 for damage done to stationary property caused by a motor vehicle.  This coverage is mandatory in Michigan.
  • Uninsured / Underinsured Motorists (UM / UIM) Coverage pays up to the coverage limits for pain and suffering that is not covered by medical, disability, and PIP.
    • Uninsured Motorists (UM) Coverage pays for bodily injury to you or your family resulting from the negligence of another driver who does not have insurance.
    • Underinsured Motorists (UIM) Coverage pays for bodily injury to you or your family resulting from the negligence of another driver whose liability insurance limits are insufficient.
  • Collision Coverage pays up to the Actual Cash Value for damage to your vehicle by a collision or rollover.  This coverage is usually required if you have a vehicle loan or you lease your vehicle.
  • Comprehensive Coverage pays for physical damage other than Collision.  It pays up to the Actual Cash Value for damage to your vehicle resulting from theft, fire, vandalism, flooding, hail, or other perils except damage by a collision or overturning.  It is usually required if you have a vehicle loan or you lease your vehicle.
  • Rental Reimbursement Coverage  pays up to a specified amount for rental vehicle charges while your vehicle is being repaired for damage covered under your policy.  If you prefer not to cover the cost of renting a vehicle yourself and cannot be without a vehicle while yours is being repaired, you might consider this coverage.
  • Towing and Labor Coverage pays for some of the costs incurred for services provided at the place of the breakdown or for towing to a repair shop.  It covers the delivery of gas, oil, or a battery, but not the cost of these items.  If you lock the keys on the vehicle or need a tire changed, this may also be covered.  These services are often included in auto club memberships, which can result in unnecessary duplicate coverage.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Why do you need auto insurance?

It's really all about protecting yourself financially.

  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Questions to ask your agent

We realize finding the right auto insurance policy can be difficult on your own.  Our qualified staff members are advocates for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
  • What happens if I'm late on my car insurance payment? We have laid out what happens when you are late with your insurance payment.

Be sure to ask us about other important parts of your insurance program, including Personal Auto; Home Insurance; Umbrella Liability; Life or insurance for your Business.

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Lighthouse Group Main Office in Grand Rapids, MI
Mailing Address | P.O. Box 530009, Livonia, MI 48153

Phone: 734.421.9900 | Toll Free: 800.220.5582 | Fax: 734.421.9911

Also serving these Detroit area communities in Michigan: Livonia, Farmington Hills, Ann Arbor, Southfield, Plymouth, Canton, Westland, Northville, Novi, Dearborn, South Lyon & Walled Lake