By: turney_858
State Farm Insurance
Bill is excellent! I met him after my husband passed and he was very good with me and still is. Anytime I need him he gets back to me quickly and finds out answers to my questions quickly if he can't answer them right away.
By: waterburner
State Farm Insurance
I have been a client of Bills at State Farm for about 4 years he is always so professional, everyone at the office is great. He really is a class act and does whatever it takes to meet my needs, I recommend him all the time.
By: Dale R.
Dale Robert - State Farm Insurance Agent
With over 25 years with State Farm I would love the opportunity to provide you with quality service and great rates. Call us today for a free quote. We would love to hear from you! 517-536-8521
By: catlover5
State Farm Insurance
I've been with Bill for over ten years now, he handles my home and car insurance. The service I get for the price is amazing! I would recommend him to anyone looking for insurance.
By: kin8fan
State Farm Insurance
The whole staff here is down to earth, they talk to you and make sure you know whats going on. They take care of you very well no matter who you talk to.
By: mrsunshineautos
Kevin Winter - State Farm Insurance Agent
Great place, Great folks to do business with.
Tips & Advices
By law, you need to be insured up to the minimum amount required in your state before getting behind the wheel of any car. Beyond that, your insurance needs will vary depending on your financial situation and the amount of risk you are willing to take on.
  • Full or comprehensive car insurance is the most expensive, but often the best deal for drivers who own an expensive car, those who commute frequently or anyone who lives in an area with extreme weather or high crime rates.
  • Drivers of less expensive or older cars usually save more by opting for the minimum required policy, along with some extra coverage if they can afford it. Since the cost of repairs might exceed the total value of an older vehicle, some owners forgo collision protection in favor of greater liability coverage or personal injury coverage.
If someone other than you causes an accident while driving your car, most insurance policies will still pay for damage, according to the rules that apply. However, it’s a good idea to check with the insurance provider to be sure this is the case. Regardless, either the at-fault driver or the actual policyholder will be responsible for paying for anything not covered by insurance. People who don’t own a car but frequently borrow or rent one might consider purchasing a non-owner policy to make up the difference.
Car insurance premiums might be tax deductible in certain situations, but only with the documentation to prove it. Insurance costs may be deducted as part of overall business expenses if you use that car for work-related travel. However, this does not generally apply to taxpayers who use the standard deduction when filing their income tax returns. If your car is used for business purposes often, save all insurance-related documentation, as well as receipts, invoices and other forms of proof that your vehicle expenses were for business purposes.
Car insurers set premium prices depending on every driver’s individual risk. A huge number of details are factored into every determination of insurance risk, so the cost of any two policies can vary widely depending on the driver’s personal attributes, accident history, location, vehicle type and much more. The type of coverage you choose also impacts what you pay - premiums for minimal liability coverage will almost always be lower than those of a universal coverage policy.
The cost of car insurance is highly variable, but according to the National Association of Insurance Commissioners, U.S. motorists pay around $900 per year on auto insurance.

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