Your Trusted Michigan
Insurance Broker

My Michigan Insurance Broker provides a full range of personal and commercial insurance products. On the personal side, we offer auto, homeowners, renters, life, and health insurance. For businesses, we provide general liability, commercial property, workers' compensation, professional liability, and business owner's package (BOP) policies.

Because we are an independent broker, we can source coverage from dozens of top-rated carriers. This means we are not limited to one company's product lineup — we find the right solution for your specific needs rather than fitting you into a pre-set package.

Michigan operates under a unique no-fault auto insurance system, which means your own insurance company pays for your medical bills and lost wages after an accident — regardless of who caused it. A key component is Personal Injury Protection (PIP), which covers medical expenses resulting from a car accident.

Michigan law also requires property protection insurance (PPI) and residual liability coverage. Since 2020, drivers can choose from several PIP coverage levels, including unlimited, $500,000, $250,000, and other tiers. Selecting the right level is important and depends on your health insurance coverage. We can walk you through all the options and help you make an informed decision.

Michigan requires all drivers to carry at least: a chosen PIP coverage level (options range from unlimited down to a limited opt-out for those with qualifying health plans), $1 million in property protection insurance (PPI), and residual bodily injury liability of at least $250,000 per person / $500,000 per accident, plus $10,000 in property damage liability.

These are legal minimums. Many drivers choose higher limits for better financial protection. We help you assess your risk exposure and identify coverage levels that are appropriate without overpaying for unnecessary extras.

The most effective strategy is to work with an independent broker who compares multiple carriers on your behalf. Rates vary significantly between insurers for the same coverage — sometimes by hundreds of dollars per year. Bundling multiple policies (e.g., auto and home) with the same carrier typically earns a multi-policy discount.

Other savings strategies include maintaining a clean driving record, improving your credit score (in states where insurers use credit as a rating factor), increasing your deductibles, and taking advantage of telematics or usage-based programs offered by many carriers. We identify which discounts apply to your situation and ensure they are applied at quote time.

A captive agent works exclusively for one insurance company — such as State Farm, Allstate, or Farmers — and can only offer that company's products. An independent broker like My Michigan Insurance Broker represents multiple carriers and can compare policies across many companies to find the one that best fits your profile.

This independence is a significant advantage for consumers. Captive agents may provide excellent service, but they are limited in their ability to shop the market. An independent broker's primary loyalty is to you, the client — not to any single insurance company.

In most cases, we can provide initial quotes within 24 to 48 hours of receiving your information. For straightforward auto or renters insurance, same-day binding of coverage is often possible once you have selected a policy and provided the necessary details.

More complex commercial insurance or life insurance policies may take several days to underwrite and finalize. We keep you informed at every stage and work efficiently to get your coverage in place without unnecessary delays.