There is only one widely known government-owned homeowners’ insurance companies all across United States, the Citizens Property Insurance Corporation, which runs its operation only in Louisiana and Florida.
However, there is another one that offers coverage for cars and drivers called the Citizens Insurance Company of America or sometimes referred to as Citizens Auto Insurance Michigan. The company is a subsidiary of The Hanover Insurance Group, Inc. While this parent company is based in Worcester, Massachusetts, the subsidiaries are spread across the country. The company is providing many types of coverage including auto, property, and even specialties such as for marine and industry-related products.
No-fault Auto Insurance
Auto insurance in Michigan follows no-fault regulation, meaning insurance companies will cover bodily injury of the insured and the passengers as well, regardless of who is a fault in the event of an accident. As one of the auto insurance companies in Michigan, Citizens Insurance Company of America has to make sure that your insurance policy complies with the state’s no-fault regulation. Apart from that, most (if not all) options about coverage are still based on its parent company.
Coverage
The available options are actually quite impressive, for example, the Platinum Auto option. It includes everything from simple Roadside Assistant to Newer Car Replacement coverage. All products or coverage provided by Citizens car insurance are listed under Personal Insurance category which also includes Home Insurance and Companion products such as Umbrella, Identity Protection, Watercraft, Home Care Services, and more.
Besides Platinum Auto, this company offers specialized or customizable coverage option called Connections Auto. This option brings the possibility to customize liability limits and add extra coverage as well including Comprehensive and Collision. Connections Auto has its own additional coverage or Value-Added Endorsement. The provided coverage is considerably through that it even gives protection for pet injury and burial expense coverage when needed; Trip Endorsement and Accident Forgiveness are available as extra coverage too.
A.M. Best Rating
Based on A.M. Best’s last year rating, The Hanover Insurance Group, Inc., and its subsidiaries have a FSR (Financial Strength Rating) and ICR (Issuer Credit Rating) of A (Excellent). Citizens Insurance Company of America and 15 other subsidiaries are included in the list. A.M. Best Company is considered the world’s most authoritative insurance rating, and it is an independent company without the affiliation of any sort with The Hanover Insurance Group.
How to Save On Senior Auto Insurance
Ever been in a situation where you are in a hurry to get somewhere and driving on the freeway with such speed then you suddenly see yourself come behind a car on same fast lane going slow, even slower than those on other lanes? You try as much to get the slow driver to move faster; flashing your vehicle light and all you could to no avail. You finally get to move past the slow driver and while getting by car, you realized the driver is an elderly and you simply drive ahead and wander along. It is a fact that senior citizens drive safely much more than the youths and have better rates.
What You Can Do to Get Cheap Insurance for Your Car
With so many auto insurance companies across the nation, finding an affordable insurance for your vehicle can be either easy or difficult. It is easy because those companies are in the middle of a competition which may force them to lower the premium. It is also difficult since the cheapest one is not always the most dependable.
Auto insurance used to be a complicated process full of lengthy discussions with captive agent
As technologies improve and communication has become easier than ever, buyers no longer need to wait for several days to get quotes and make the purchase.
