Get Great Discounts!



All Michigan residents need to protect themselves if they own a car or truck. 

Yes, there’s the need to protect yourself in case your vehicle is lost or stolen… 

Full Protection

There’s also the need to be sure there’s adequate coverage for liability. You need this in case you cause damage to someone else’s property as a result of an accident. you also need this in case someone is hurt. 

Budget Friendly

You want great insurance. You want to be properly protected. You also want to get budget-friendly insurance. This can be challenging! It’s easy to throw up your arms in surrender and simply search for “cheap insurance” and that would be a huge mistake.

Value Oriented

Let’s face it, if you are paying for insurance (as the law requires you to do) you might as well make sure you are getting the best VALUE for your investment.

Independent Insurance

Here’s why working with an Independent Insurance agency like Choice One Insurance Group is so important:

Best Carriers

We offer insurance from many insurance carriers and that means we can shop around on your behalf. Yes, we make the different insurance carriers fight for your business.

Insurance Pros

Because we’re experienced professionals, we’ll make sure you have all the coverages you require.

Complete Protection

That’s important because auto insurance offers a lot of options and you may need some special coverages depending on your car and the after-factory upgrades you’ve made. (Better wheels, audiophile stereo, etc.)

Get Your Discounts!

At Choice One Insurance Group we’ll also make sure you get all the car insurance discounts you deserve. These can include:


  • Deductible.
  • Safe Driver.
  • Safety Equipment.
  • Homeowner Credit.
  • Safety Features.

State Minimums

Michigan state minimums are some of the lowest in the States. While you can save money compared with folks living in other states, this also means you may be driving a car without having adequate protection.

Factors That Impact Your Premiums

Some folks are surprised by how little (or how much) they have to invest in auto insurance. The reality is that auto insurance is really variable and depends on many different factors. 

Here are some elements that drive what you’ll invest in auto insurance:


  • Your Age.
  • Your Driving Record.
  • Your Car.
  • The Zip Code Where Your Car is Kept.
  • How Far You Drive to Work.
  • The Specific Deductibles You Elect.

Attention Uber/Lift Drivers

Speical Alert: We Offer Uber/Lyft Driver Insurance!

Uber/Lyft Insurance Basics


Lots of Uber/Lyft motorists register to drive without doing the proper amount of research and neglect a vital aspect of driving for a rideshare company: insurance.
Your personal vehicle insurance plan won’t cover you while you’re driving for a rideshare company. This is because insurance provider think about rideshare driving a “industrial” activity, and can claim an exemption that is written into your standard auto policy.

If you’ve been told that Uber/Lyft offer insurance that protects you as a driver, think again. Minimal information is published about the nature of this insurance however both Uber and Lyft make it clear that these are minimal insurance packages that follow state guidelines. If you want better (adequate) protection, that’s up to you.


Uber/Lyft Driver Insurance Cost


The actual cost of protection for a rideshare driver is less than many drivers would expect and it’s worth every cent for the peace of mind you gain.
The actual cost of this type of policy will depend upon the protection amounts, the carrier, and a variety of other factors.

What’s most important to realize is that your personal auto insurance protection won’t protect you and Uber/Lyft’s default coverage is limited. You have to close this gap and that’s where we can help.

Definitely reach out to Choice One Insurance Group for assistance with your Uber/Lyft rideshare insurance. We’ll help you get the most out of the “gig” economy while limiting your risk as well.

Great Car Insurance Discounts!

At Choice One Insurance Group we’ll also make sure you get all the car insurance discounts you deserve.