Car Insurance in Livonia
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Livonia, a beautiful city in southeast Michigan, is home to more than 93,000 people. A drive through the area may reveal the rolling campus of Madonna University, the playground at Buckingham Park or the distinctive City Hall building. Wherever you go, car insurance in Livonia gives you the peace of mind to enjoy the ride.
Getting Around in Livonia
The city of Livonia provides many public transportation options. You can catch a bus to take you around town or into Detroit. However, most residents depend on their personal vehicles to take children to school, shop for groceries or get to their jobs. More than 88% of employees drive their cars to work. If you're one of the city's many drivers, you need reliable car insurance in Livonia.
Traffic can get busy in town, especially on the south side, as people leave work for the day. Farmington Road and Plymouth Road can get congested at this time. Accidents can happen more easily in heavy traffic. Accident-prone intersections include:
- Middlebelt and Plymouth
- 5 Mile and Middlebelt
- Middlebelt and eastbound Schoolcraft
- 6 Mile and Farmington
- 7 Mile and Farmington
While it isn't always possible to avoid certain intersections, defensive driving and a solid policy for car insurance in Livonia can protect your trip.
The Cost of Livonia Auto Insurance
Livonia drivers pay an average of $2,796 annually for car insurance. This figure is lower than the state average but higher than the average amount drivers pay across the U.S. Some of the factors that influence Michigan auto insurance rates include:
- Michigan's requirements for high PIP and liability coverage
- Property crime rates
- Snowy and icy winter weather
If you're looking for low rates on car insurance in Livonia, check out the online tools at VIU by HUB. You can compare products from several insurers and find the one that suits your budget.
What Auto Insurance Covers
The minimum limits for Michigan insurance are:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury
- $10,000 for another person's property damage
Liability coverage includes bodily injury if you are found at fault for specific injuries to another person. It also provides property damage if you are found at fault for damage to another person's vehicle or belongings.
Property protection insurance pays for property damage, including parked cars, fences and buildings. Personal injury protection reimburses a part of the medical expenses, lost wages and other services resulting from an accident.
Optional Coverage
You can also elect other coverage types, including:
- Uninsured/underinsured motorist insurance to protect you when an at-fault driver has inadequate coverage
- Comprehensive insurance to pay for expenses such as fire, theft and vandalism
- Towing and rental car insurance to pay transportation expenses when you can't drive your vehicle after a covered loss
- Collision insurance to cover the costs when your vehicle collides with an object or parked car
Insurance companies offer several optional products you can add to your policy. Using the tools at VIU by HUB shows you what different insurers offer and what their products cost.
Enjoy the Ride With Dependable Auto Insurance
Car insurance in Livonia protects you while you're on the road. Finding a policy that matches your needs doesn't have to be complicated. Try the tools at VIU by HUB to compare insurance companies, products and prices. When you know you have the right coverage, you'll enjoy peace of mind wherever the road takes you.
This information is intended for general informational purposes only and is not intended to constitute legal advice.