Insurance Agency in Ann Arbor, MI

Types of Policy We Offer in Ann Arbor, Michigan 

The diverse and colorful lifestyle of Ann Arbor calls for a wide range of comprehensive protection. So, at L.A. Insurance, we offer six important insurance policies to ensure Ann Arbor residents stay covered in every aspect of life. 

Ann Arbor Auto Insurance

Choosing L.A. Insurance for your car insurance coverage in Ann Arbor means you pay less than the Michigan state average for both full coverage and minimum coverage insurance. If your car is damaged in an accident, or unfortunately if you damage someone’s car, you can rely on our liability insurance coverage which is mandated by Michigan auto insurance law. However, to protect your car in almost any situation, you can simply insure it with our affordable full-coverage auto insurance policy. 

As one of the leading car insurance agencies in Ann Arbor, we also offer the residents to choose whatever coverage they need and customize them as they want. Our auto policy typically includes liability, comprehensive, collision, uninsured and underinsured motorists coverage, and medical payment coverage. Check out the different types of car insurance coverage we offer to Ann Arbor residents. 

Want to get a free car insurance quote from the affordable insurance agency near Ann Arbor, MI? Call us now at (734) 528-8000, or visit us online to discuss your auto insurance needs with our expert Ann Arbor car insurance agents. 

Motorcycle Insurance in Ann Arbor, Michigan

Motorcyclists in Ann Arbor enjoy scenic rides through vibrant city streets and nearby nature trails. Michigan law requires riders to carry minimum liability coverage to protect against accident-related damages. If you need only liability insurance for your favorite bike, L.A. Insurance can help you insure it at the lowest rate. 

We also offer different types of motorcycle insurance coverage for you apart from liability-only. Our coverage includes comprehensive, collision, uninsured, and underinsured motorists, medical payment, and optional equipment and aftermarket coverage. 

No matter the type of bike you ride in Ann Arbor, our cheap motorcycle insurance coverage extends to cruisers, sports bikes, scooters and mopeds, and touring bikes. Don’t feel skeptical when it comes to L.A. Insurance, one of the best motorcycle insurance agencies near Ann Arbor, MI. Get your free motorcycle insurance quote right away. Call us today and see how we can help you save money on your motorcycle insurance in Ann Arbor. 

RV and Motorhome Insurance

Traveling to Ann Arbor’s vibrant cityscapes and scenic surroundings with a recreational vehicle or motorhome is a thrilling experience. However, to protect your home on wheels and make your journey safe, you need to carry minimum insurance in Ann Arbor, MI which includes property protection insurance, personal injury protection, and liability coverage. L.A. Insurance based in Detroit, MI, offers all the lovely people living in Ann Arbor the cheapest RV and motorhome insurance coverage. 

Our full-fledged RV policy extends to liability, collision, and comprehensive coverage to safeguard you against accidents, theft, vandalism, and natural disasters. We also offer specialized options such as uninsured motorist coverage, medical payment, and pet injury coverage. 

If you own a Motorhome (Class A, B, C), fifth-wheel trailer, or pop-up camper in Ann Arbor, MI, feel free to discuss the insurance needs for your RV. Our experienced RV insurance agents in Ann Arbor can help you find the right kind of coverage at the lowest rate by analyzing your personal use of your RV, your zip code, and other factors. 

Feel free to visit our office at 4667 Washtenaw Ave., Ann Arbor, MI 48108, or dial us at (734) 528-8000. We also insure online. Contact us for a quick RV insurance quote. Insure with L.A. Insurance and receive your proof of insurance within minutes. 

Renter’s Insurance in Ann Arbor, MI

Ann Arbor’s vibrant rental market is home to students studying at the University of Michigan, professionals, and families, who enjoy its rich culture and community. However, most landlords’ insurance policies only protect the building, leaving your personal properties vulnerable. That’s where L.A. Insurance renter’s insurance comes in for help. We offer affordable and reliable coverage and the flexibility to choose the coverage you truly require to have. 

Our affordable renter's insurance policies usually cover personal property, liability, and ALE (Additional Living Expenses) in case your rental home becomes uninhabitable. If someone steals your precious stuff, or fire or water damages your rental space and costs you an expensive home repair service. No worry if you’re insured! we’ll provide compensation as soon as you file a claim with us. Contact our Ann Arbor local agents or visit us online and get your cheap renter’s insurance quote right away. 

Boat and Watercraft Insurance in Ann Arbor, MI

Ann Arbor residents love exploring nearby lakes and rivers like the Huron River National Water Trail which make boating a cherished pastime. Many businesses and individuals own boats and watercraft as well. To enjoy water adventures worry-free, you need reliable and affordable boat and watercraft insurance. Whether you own a fishing boat, pontoon, or speedboat, our policies cover it all. 

Ann Arbor boat insurance from L.A. Insurance includes liability, collision, comprehensive, and uninsured boater coverage that ensures full protection on and off the water. With options and flexibility to customize boat insurance coverage according to your needs, you can protect your vessel at the cheapest rate. 

Don’t let unexpected accidents ruin your water adventures. Contact the L.A. Insurance office in Ann Arbor today. Get a cheap boat insurance quote almost instantly. 

Commercial Car Insurance in Ann Arbor, MI

Many businesses in Ann Arbor City rely heavily on vehicles for daily operations, from delivery vans to utility trucks. L.A. Insurance in Ann Arbor can help protect these vehicles with affordable commercial auto insurance coverage. 

Apart from liability only, our policies extend to collision, comprehensive, uninsured motorist, and medical payment coverage. This coverage will protect your vehicles and drivers for many years. Whether you own a single track or an entire fleet, we offer customizable plans that fit your budget as well as insurance needs. 

Protect your investment in Ann Arbor with the maximum coverage at the lowest rate and ensure smooth and risk-free business operation. Consult L.A. Insurance now to get a free business vehicle insurance quote in Ann Arbor. Experience the difference of working with local insurance experts. 

Factors Affecting Insurance Premiums in Ann Arbor

Several location-based factors influence may influence the insurance rate in Ann Arbor, MI:

• Population Density: Ann Arbor’s population density is 4391 people per square mile, which is higher than the national average. Higher density can lead to increased accident risks, and crime rates, potentially raising insurance rates.
• Crime Rates: Ann Arbor’s violent crime rate is 309 per 100,000 people which is lower than both Michigan’s rate of 461 and the national rate of 380.7. However, its property crime rate is 1,726 per 100,00 people, higher than Michigan’s rate of 1536.8 but lower than the national rate of 1954.4. If a higher property crime rate persists, it may lead to increased insurance premiums.
• Weather Patterns: Regions prone to severe weather events, such as heavy snowfall or ice may experience higher insurance premiums due to increased risks of accidents and claims.\
• Traffic Congestion: Urban areas with greater traffic congestion can increase the risk of accidents and collisions and eventually influence the insurance premiums to go higher.

Keep in mind that these factors may not affect your insurance rate as much as your insurance profile, your driving history, and any past claims. To find a cheaper rate, focus on these factors that you can control directly. 

Tips to Find the Most Affordable Insurance Agency in Ann Arbor, MI

• Here are a few tips if you’re looking for the most reliable and affordable insurance agency in Ann Arbor City:
• Compare multiple quotes from various insurers.
• Consult with local independent insurance agents who can offer personalized policy recommendations.
• Ask insurers about available discounts such as bundle policy discounts or safe driver discounts.
• Stay informed on local rates.
• Regularly review your policy and adjust the coverage based on your needs.
• Read reviews, and testimonials until you find the best insurer in Ann Arbor.

9 Reasons to Choose L.A. Insurance in Ann Arbor, Michigan

1. Offer the cheapest insurance rate across Michigan including Ann Arbor.
2. Over 33 years of experience  
3. Easy claim process
4. Quick binding time, activating your desired insurance within a few minutes.
5. Convenient office location in Ann Arbor city.
6. Offer coverage for Ann Arbor high-risk drivers
7. Full-Coverage policy option
8. Lowest down payments with flexible payment options
9. Strong local presence and 24/7 personalized customer service