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OFIR Buyers' Guide to Auto Insurance Selection Criteria
   
 

To display the Buyers' Guide to Auto Insurance in Michigan, you must select criteria that meets your requirements. By default, all examples and all territories are selected. Feel free to refine the criteria by selecting examples and territories that are specific to your needs.

You must select insurance companies for the Buyers Guide. We have provided an easy-to-use method for selecting insurance companies. Please review the following "tips":

  • If you only wish to select a few insurance companies, scroll down the Insurance Company list, and click on the record you wish to select, then click the "Add" button. This will add the insurance company to the Selected Insurance Company List.
  • If you wish to see a comparison of all insurance companies, click the "Add All" button. This will add all of the insurance companies to the Selected Insurance Company List.
  • If you wish to remove an insurance company from the Selected Insurance Company List, scroll down the list and click on the record you wish to remove, then click the "Remove" button.
  • If you wish to remove all insurance companies from the Selected Insurance Company List, click the "Remove All" button.

Please note: If All Examples, All Territories, and All Insurance Companies are selected, you can expect a prolonged load time. We recommend that you select criteria specific to your needs.

 

 
Select Examples
Select All Examples

Example 1:

Driver: Principal, age 18, licensed 2 years, single - no dependents; 5 mi commute one way, 7,000 mi/yr; $7,000/yr; no tickets or accidents
Car: 2000 Ford Ranger Pickup
VIN: 1FT&R10V&Y

 

Coverages & Limits:
BI/PD 20/40/10 or 50 CSL
PPI $1,000,000
PIP medical & work loss excess

Example 2:

Drivers: Married couple, age 35; Wife -7 mi commute 1 way, 9,000 mi/yr; $25,000/yr
Husband - 14 mi commute 1 way, 13,000 mi/yr; $40,000/yr;
both drivers no tickets or accidents; two children.
Cars: Wife - 2005 Chrysler Town & Country Touring, 4-door
VIN: 1C4&P54L&5
Husband - 2006 Ford Escape XLT, 4x2, 4-door sedan
VIN: 1FM&U031&6

 

Coverages & Limits:
BI/PD 100/300/100 or 300 CSL PPI $1,000,000
PIP medical & work loss excess
UM 20/40
Car 1 and Car 2
BROAD COLLISION $250 deductible
COMPREHENSIVE $100 deductible

Example 3:

Drivers: Married couple, age 42; 17 year old child with driver license who occasionally drives Car 1 Wife - 3 mi commute 1 way, 12,000 mi/yr; $30,000/yr; no tickets or accidents.
Husband - 10 mi commute 1 way, 15,000 mi/yr; $50,000/yr; 1 at-fault
accident and 1 moving violation within the past year for speeding 9 mph over speed limit Cars: Wife - 2006 Chevrolet Impala LS, 4-door sedan
VIN: 2G1WB51K&6
Husband - 2001 Chevrolet Silverado 1500, 4x4
VIN: 1GC&K14V&1

 

Coverages & Limits:
BI/PD 100/300/100 or 300 CSL PPI $1,000,000
PIP medical & work loss excess
UM 20/40

Car 1:
BROAD COLLISION $500 deductible
COMPREHENSIVE $100 deductible
Car 2: No physical damage coverage

Example 4:

Drivers: Retired couple, age 66; pleasure use, 2,800 mi/yr; no tickets or accidents; no earned income, work loss waived; no dependents
Car: 2007 Buick Lacrosse CX, 4-door sedan
VIN: 2G4WC552&7

 

Coverages & Limits:
BI/PD 100/300/100 or 300 CSL
PPI $1,000,000
PIP medical primary, no deductible
UM 20/40
BROAD COLLISION $500 deductible
COMPREHENSIVE $100 deductible

 

Select Territories
  Location Intersection Zip Code
Select All Territories
SWD (Southwest Detroit) 33rd & Jackson 48210
NWD (Northwest Detroit) 6 Mile & Lenore 48219
NCD (North Central Detroit) Winchester & Binder 48234
SCD (South Central Detroit) Gratiot & Mt. Elliott 48207
NED (Northeast Detroit) State Fair & Redmond 48205
PON (Pontiac) Auburn & Paddock 48342
MAC (Macomb County-Warren) Canterbury & Hoover 48093
WDT (Wyandotte) 14th & Oak 48192
YPSI (Ypsilanti)   48197
LAN (Lansing) Martin Luther King & Ottawa 48915
KAL (Kalamazoo) Whites Road 49008
TRA (Traverse City)   49684
MAR (Marquette)   49855
SAG (Saginaw) Hess & Sheridan 48601
FLI (Flint) Dort & Davison 48506
GRA (Grand Rapids) Plainfield & Knapp 49505

 

Select Insurance Companies to Display
Insurance Company List
 
Selected Insurance Company List
Add Insurance Company Button
Remove Insurance Company Button
Add All Insurance Companies Button
Remove All Insurance Companies Button