Car insurance that fits how Saginaw drives
Whether you commute on I-675 to Saginaw Township, drive M-46 to Frankenmuth every weekend or have a new teen driver heading to Heritage or Saginaw United, your auto policy should match your life — not a one-size-fits-all package. As your local Farmers® agent, Tyler Harlan walks through each piece of your policy in plain English so you know exactly what you're buying.
What a Michigan auto policy includes
- Personal Injury Protection (PIP) — pays medical expenses, lost wages and replacement services after a crash, regardless of fault. You choose the medical limit.
- Property Protection Insurance (PPI) — required in Michigan; covers damage your vehicle does to other people's property, like buildings and properly parked cars, in Michigan.
- Residual Bodily Injury & Property Damage Liability — protects you if you're sued after a serious accident or an out-of-state crash.
- Collision — repairs your vehicle after a crash. Michigan offers limited, standard and broad form options.
- Comprehensive — covers theft, vandalism, hail, falling trees, fire and animal strikes like deer.
- Optional add-ons — such as roadside assistance, rental reimbursement and mini-tort coverage, depending on availability.
Choosing your PIP medical level
Since Michigan's 2019 auto reform, drivers choose among unlimited PIP, $500,000, $250,000, $250,000 with exclusions, $50,000 (for eligible Medicaid enrollees) and an opt-out (for eligible Medicare Parts A & B enrollees). The right choice depends heavily on your household's health insurance. We cover every option in detail in our Michigan No-Fault PIP Guide.
Tip: Your bodily injury liability limits default to $250,000/$500,000 in Michigan unless you sign a form to choose lower limits. Lower limits can mean more personal exposure if you're sued — ask us to explain the tradeoff.
Limited, standard or broad form collision?
| Collision option | When it pays | Your deductible |
|---|---|---|
| Limited | Only when you're not substantially at fault | Usually none |
| Standard | Regardless of fault | Always applies |
| Broad form | Regardless of fault | Waived when you're not substantially at fault |
Broad form usually costs the most and limited the least. For an older car, some drivers drop collision altogether — we'll help you weigh the vehicle's value against the premium.
Deer, potholes and Michigan winters
Mid-Michigan sees a spike in deer crashes every fall. Hitting a deer is generally covered under comprehensive, not collision — so your comprehensive deductible matters more here than in many states. Swerving to miss a deer and hitting a pole is typically a collision claim. Winter slide-offs, pothole damage and ice-related crashes are other common Saginaw County claims we'll help you prepare for.
Ways Saginaw drivers may save
- Bundling auto with home, renters or condo insurance
- Insuring multiple vehicles on one policy
- Good student and teen driver programs
- Safe driving programs through Farmers®
- Paying in full or setting up automatic payments
- Reviewing deductibles and coverage on older vehicles
Discounts, savings and programs vary and are subject to eligibility, terms and availability.
Saginaw auto insurance FAQs
Is car insurance required in Michigan?
Yes. Michigan requires no-fault coverage, which includes Personal Injury Protection (PIP), Property Protection Insurance (PPI) and Residual Bodily Injury and Property Damage liability, on registered vehicles.
What PIP level should I choose?
It depends on your health coverage and household. Unlimited PIP offers the most medical protection after a crash. Lower limits may be available if you and your household members have qualifying health coverage. Read our PIP guide or call us to review your situation.
What is the Michigan mini-tort?
If you're at fault in an accident, the other driver can recover up to $3,000 from you for their vehicle damage not covered by their insurance, such as their deductible. Some policies offer coverage to help pay mini-tort claims.
Does insurance cover hitting a deer in Saginaw County?
Generally yes, under comprehensive coverage, after your comprehensive deductible. If you only carry the state minimums, you may not have coverage for damage to your own vehicle.
How much does adding a teen driver cost?
It varies by vehicle, driving record, coverage choices and available discounts like good student programs. Call us before your teen gets their license so we can show you options.
Can I get an auto quote online?
Yes. Tap any "Get a Quote" button to start online through Tyler's Farmers agent page, or call 989-644-0155 to go through it with our team.