Best 30 Auto Insurance in Sterling Heights, MI with Reviews -
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By: Tom M.
Cherokee Insurance Company
I was hit & run by a Commercial truck insured by this company. They will not respond to a claim! Bottom of the barrel carrier. Caveat Emptor - stay away!!
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By: Deana E.
Cherokee Insurance Company
I was hit by a trucker who used this insurance company and it’s by far the worst insurance company I’ve ever dealt with I have had to do all the work and the agent was very rude!
By: David W.
Cherokee Insurance Company
We have an unsettled insurance claim dating back to May 2015 after a Central Transport driver hit and damaged our property. Cherokee Insurance (Central Transport’s insurance carrier) refuses to pay anywhere near the amount needed to repair the building, and Central Transport has not responded at all. This is 100% no fault on our part and 100% at fault on the part of Central Transport/Cherokee Insurance. The staff is rude to customers and will not return phone calls. This company is horrible, but we will not let them get away with it.
By: Detria K.
Cherokee Insurance Company
This business has bad communication skills, very rudd when you are speaking with them and never return any calls. The way they handle the clients are unethical.
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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