Looking for Affordable Car Insurance in the Saginaw Area?
Safeguard Insurance Agency has got you covered with auto insurance from Bay City to Midland, Oscoda, Tawas City, Saginaw, MI, and the surrounding areas. We can help you with all aspects so you can get standard auto insurance, motorcycle or boat insurance, as well as car insurance for collector cars.
It does not matter how safe a driver you are, there is always some risk of getting into a car accident, especially considering the numerous distractions drivers face every day.
The truth is, you’re at risk every time you get into your vehicle.
It’s important to understand what your coverage options are, not just for your car, but for you, and for the people who may be injured as a result of an accident.
That is why you need to be safeguarded with ample auto insurance protection, and we are here to ensure that you get the coverage you deserve!
At Safeguard Insurance Agency, we protect you, your passengers, and your vehicle with auto insurance for Bay City, Midland, MI, Oscoda, Saginaw, Tawas City, and the surrounding areas. With years of combined experience and a commitment to providing you with unparalleled personal attention, our team of skilled agents will work with you directly to help you find the best fit for your budget and lifestyle.
You are more than a customer, you are a part of the Safeguard family! Let us help you get the personalized auto insurance protection you need to feel safe on the road.
Car Insurance Coverage
Michigan state requires all drivers to have a basic level of car insurance coverage. However, this basic amount of coverage is not always enough to keep you protected on the go. That is why we work with you to find a policy that fits not only your budget but also your practical needs.
Our car insurance options for Bay City, Midland, MI, Oscoda, and the surrounding areas include but are not limited to:
- General Liability Coverage
- Property Damage Coverage
- Bodily Injury Protection
- Collision Coverage
- Comprehensive Coverage
- Uninsured & Under-Insured Liability
- Medical Payments, and more!
Using a concise formula to help you determine your car insurance premium rates, we analyze several variables, ensuring that you come out on top when finding the right policy for your needs. From credit, age, driving history, model of car, and more, we leave no stone unturned when helping you determine your rating so you can get the most affordable and extensive coverage available.
We can also help you with commercial auto insurance coverage for your business vehicles.
Having an Adequate Car Insurance policy is Seriously Important
If you were ever involved in an at-fault accident, for example, for someone else’s bodily injuries, you could literally lose everything if you’re not properly insured.
What many people don’t always realize s, having great coverage doesn’t always mean having higher insurance premiums. There are many options and insurance providers available to you, the trick is knowing how to shop and compare those policies. Online tools will only get you so far and there is a better way.
Safeguard Insurance Agency is 100% independent. That means that we can take your current coverages and compare them against a vast range of insurance providers. This is the best way to see who can offer you the most affordable options for the most benefits.
The best part? This doesn’t cost you a single penny more to use us.
We are compensated by the insurance carriers directly. This allows us to work on your behalf to properly cover your needs and exposures and allows us to ensure there are no hidden gaps in your policy.
Auto Insurance and More
Your car is not the only machine that needs auto insurance protection. Any motorcycle, boat, trailer, ATV, or other toy on wheels needs to be safeguarded with auto insurance coverage. In fact, you should have coverage for any vehicle that can cause harm in the event of an accident or unexpected peril.
Our comprehensive insurance solutions, including motorcycle insurance, boat insurance, and other auto insurance, are designed to protect your liability and the safety of your passengers. Not sure which auto insurance policy is ideal for your vehicle, bike, or vessel? No problem! Our team works with you and your budget to help you find the right coverage from the right carrier to fit your specific requirements.
Trust an Experienced Independent Agency
No two insurance contracts are exactly alike, and while side-by-side, they might look almost the same, however, most times the fine print behind it all can vary drastically from company to company.
You need someone who truly understands policy contracts to sort through the exclusions and conditions for you. That way you can rest easy knowing that you have the best possible coverage at the best price, without having to learn legal jargon. That’s why you need us.
Contact us today to chat with our knowledgeable agents about auto insurance for Bay City, Midland, MI, Oscoda, Saginaw, Tawas City, or the surrounding areas!
Important Auto Insurance Coverage Options
Collision Coverage: This is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc..
Comprehensive Coverage: This coverage also protects your car, but in the event that something else damages your car, that is not a fixed, or moving object. For example, theft, a rock that cracks your windshield while you’re driving on the highway, an animal you might hit, and so on.
Property Damage: Suppose you damage someones car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage
Bodily Injury Liability: This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses. Due to the high cost of medical care, it’s dangerous to carry liability limits that are too low. This is something we can help you decide on.
Un-insured & Under-insured Liability: This coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with.
Common Auto Insurance Rating Variables
Age: insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident.
Credit: credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be.
Car: the type of car, engine size, safety features, etc.. are all part of determining the rate.
Driving History: your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old.
Household: insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household.
Get Started with your Car Insurance Quotes
If you live in Saginaw, Tawas City, Oscoda, Midland, Bay City, MI, or the surrounding areas, and are looking for a car insurance quote comparison, Safeguard Insurance Agency is here to help. We make the process of finding the best company and price easy.
We do all the heavy lifting for you!
To get started, fill out the fields below to send us some basic information about your needs. Then, we will be able to get started on your policy review and comparison!