Getting auto insurance coverage is one of the most important things you need to do as a vehicle owner. It’s important to do your research to understand auto insurance and choose the right policy.

At Guy Hurley McNeil, we offer auto insurance coverage to motorists in the Rochester Hills, MI area. The following are three things you should know about auto insurance as a Michigan driver.

Liability coverage on your auto insurance policy is required by law.

The most important reason why you need auto insurance is that it is required by law so that you can drive legally.

You must carry liability coverage to meet the requirements of your state’s DMV requirements. Failing to carry the liability coverage required in your state can lead to severe penalties. 

Your driving record can impact your auto insurance costs.

If you want to save money on your auto insurance, you should focus on avoiding driving infractions. If you have a lot of infractions, such as speeding tickets and moving violations, on your record, you can expect auto insurance to be more expensive. 

A higher deductible can reduce your premium costs.

Motorists need to understand the relationship between deductible amounts and premium costs on auto insurance policies.

If you choose a higher deductible, you’ll have to pay more to get coverage if you need to file a claim. However, you’ll also generally enjoy lower monthly premiums if you choose a higher deductible. A lower deductible amount usually means higher monthly premium costs. 

Contact us at Guy Hurley McNeil to learn more about auto insurance. We can help you meet your auto insurance needs in Rochester Hills, MI.