Car Insurance

Whether you are just using your car to get from one place to another, or it’s your most prized possession, Growers Choice is the number one insurance company in Michigan you can trust for car insurance. Car insurance can help protect you from costs related to auto accidents and other types of losses, such as theft of your car. Through the numerous insurance carriers we partner with, we are able to customize your auto insurance policy with as little or as much coverage as you need. We also offer various discounts and savings, depending on which carrier you choose to go with for your car insurance policy. Choose us for your car insurance coverage because with Growers Choice, you have a choice.

Growers Choice provides car insurance to all of Michigan, including the following areas:

  • Bay County: Auburn, Bay City, Bentley, Essexville, Kawkawlin, Linwood, Munger, and Pinconning
  • Arenac County: Au Gres, Omer, Standish, Sterling, Turner, and Twining
  • Midland County: Coleman, Edenville, Hope, Midland, and Sanford
  • Saginaw County: Birch Run, Brant, Bridgeport, Burt, Carrollton, Chesaning, Frankenmuth, Freeland, Hemlock, Merrill, Oakley, Saginaw, and Saint Charles

Agents that help protect you on the road.

Our agents are here to advise you on important coverage decisions, answer any questions and help simplify your experience. They can help:

  • Find available auto discounts
  • Adjust your coverage, at your request, as your life changes
  • Guide you through the auto claims process

What Can Car Insurance Cover?

Bodily Injury Liability: If you cause an accident where someone else is injured, this coverage can help pay for their medical bills and loss of income.

Property Damage Liability: If you cause an accident, this coverage helps pay for damages to another person’s vehicle or property.

Underinsured Motorist: Coverage that helps protect you and your vehicle from uninsured drivers and hit-and-run accidents.

Uninsured Motorist: Coverage that helps protect you from drivers who do not have enough insurance to cover the costs of an accident.

Collision: Coverage that pays for the damage to your car resulting from your vehicle’s impact with another vehicle or object.

Medical Payments: Helps pay medical costs for you and your passengers in the event of a covered auto accident.

Personal Injury Protection (PIP): PIP is a no-fault coverage, meaning some of the medical expenses for the policyholder and others in the policyholder’s car may be covered by insurance in the event of a covered accident.

Other than Collision (Comprehensive): Pays for damage to your car that was not from the result of a collision with another car or object. Causes of damage might include theft, vandalism, flooding, fire, a broken windshield, or collision with an animal.

Roadside Assistance: Coverage you can add to your car insurance policy to help when you find yourself stranded due to unexpected car trouble.

Loan/Lease Gap Insurance: Gap insurance, also known as loan/lease insurance, can help protect you if your vehicle is financed or leased. If your vehicle is totaled (deemed a total loss), this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the auto loan or lease.

Rental Car Expense: Coverage that provides access to a rental car or other transportation while your car is in the repair shop after a covered accident. Also known as loss of use or transportation expenses.

Towing and Labor Coverage: This coverage can help when your car is stuck, broken down or inoperable due to an accident. (If collision coverage is not available.)

Gap Coverage: If your car is a total loss after an accident, this coverage may pay the difference between the actual cash value and what you owe on the lease or loan.

We have plenty of coverage options for you to choose from when looking for the right car insurance for you and your needs. In working with various different insurance carriers, we are able to offer you special auto coverage options that coincide with your auto insurance requirements. Some special auto coverages may not be listed above. Request a quote today to start building your personal car insurance coverage with Growers Choice!

Specialty Coverage Options

Motorcycle Insurance | Growers Choice Insurance | Michigan

Motorcycle Insurance

Motorcycle Insurance is important to help protect you and your bike in case of an accident. In the state of Michigan it is required to have motorcycle insurance, and you must show proof of insurance prior to registering your motorcycle. With our extensive list of insurance providers, Growers Choice will find you a tailored coverage plan that is unique to your riding needs and budget. Coverage options may include payment of medical bills for injuries, damage to the bike, liability protection for injuries to others, payment of damages to other vehicles in a collision, and total loss coverage. Some optional motorcycle insurance coverages include custom equipment coverage, OEM endorsement, and roadside assistance. Ride protected! Get a motorcycle insurance quote today.

Classic Car Insurance | Growers Choice Insurance | Michigan

Classic Car Insurance

Your special car needs special protection. Classic car insurance helps better protect your investment through specialized insurance coverage. Growers Choice will work with you to assign the vehicle an “agreed value”, providing you with coverage that helps ensure you’ll be compensated for the true cost to repair or replace your classic car in the case of an accident. Classic car coverage typically includes collision, theft, and other damage such as fire or vandalism. Additional classic car insurance coverage includes automobilia, automotive tools, spare parts, and more. For some classic car insurance policies, there may be mileage limitations. Be sure to talk with your Growers insurance agent about usage options when considering different coverage options. Your vintage car deserves the best coverage! Get a personalized quote today.

Boat Insurance | Growers Choice Insurance | Michigan

Watercraft / Boat Insurance

Sail all your worries away! Growers Choice Insurance offers boat, yacht, and personal watercraft insurance policies that Michigan residents can rely on. Boat insurance is important for numerous reasons, including protection against substantial injury to you and others. Plus, our coverage options offer protection of your boat both on the road and on the water! Some of the basic boat insurance coverages include bodily injury, property damage liability, collision, comprehensive, uninsured motorist, underinsured motorist, and medical payments coverage. Optional coverage add-ons include on-water boat towing and labor, roadside assistance for boats, fishing equipment insurance, personal effects insurance and more. Growers Choice will find the right boat insurance package for your needs and your budget. Get a custom boat insurance quote today!

RV Insurance | Growers Choice Insurance | Michigan

Motorhome / RV Insurance

Did you know that mobile homes are often more at risk than a typical home or apartment? Protect your home away from home with motorhome and RV insurance. Whether you are traveling across country or parked for the summer we’ve got you, your vehicle, and your possessions covered. We offer personalized, dependable insurance coverage that is specifically tailored to your motorhomes, RV’s, campers or travel trailers model and design. We also offer coverage for RV owners who make an RV their home. Basic coverage options include bodily injury liability, property damage liability, collision, comprehensive, uninsured & underinsured motorists, and medical payments. Optional coverage add-ons insurance roadside assistance, safety glass replacement, towing and labor, replacement cost, scheduled personal effects, vacation liability, and more. Turn to us for protection you can trust! Get an RV Insurance quote today.

Our Auto Insurance Carriers

We work with over 50 different insurance companies to ensure we find the right insurance rate for you, your needs, and your budget.

Car Insurance Discount Options & Ways to Save

Since Grower’s Choice works with numerous reputable insurance carriers, we are able to offer you a variety of discounts and ways to save on your auto insurance! Discounts you could be awarded and ways you can save include:

    • Insuring more than one vehicle with the same carrier
    • You bundle your auto and home policies with the same carrier
    • Drivers education classes
    • New car discount
    • Smart student discount
    • Safe driving club
    • Anti-theft device discount
    • Good payer discount
    • Resident student discount
    • Prompt payer
    • Military discount
    • Pay-in-full discount
    • And more!

Our agents will help guide you through the process of customizing your car insurance policy that is right for you and your family.

Frequently Asked Questions

You save an average of $646 when you bundle your home and auto policies. Bundling policies is one of the best ways to lower your costs and help you save time managing your insurance. Whether you own a home or rent, have multiple cars or own a boat, Growers Choice has options that will provide savings on the coverages you need.

Car insurance prices can vary based a number of factors, including where you live, your driving record and the type of car you own. Growers Choice can help you understand what factors are included in our pricing, as well as what discounts are available to help you save money.

All states have their own requirements. But for most states, coverage for bodily injury and property damage liability is mandatory. Other types of protection include personal injury protection, underinsured/uninsured motorist coverage, collision and comprehensive. Research the minimum requirements for your state and what coverages best fit your needs.

  • Information about you, including name, address, social security number, marital status and drivers license number.
  • Information about your cars: Make and model year of your car, the VIN number (check your registration for this information) as well as any safety features and weekly mileage.
  • A list of everyone who will drive the car, their ages and any driver safety courses they have completed. Many insurance companies also want to know who in your household is of legal driving age, what their license status is (such as, whether they have a learner’s permit or a suspended license) and whether other drivers in your household have their own insurance. Depending on the state, this can help the insurance agent determine who should be listed and considered for your quote.

Car insurance does not cover intentional damage, general maintenance, or damage caused by normal wear and tear. Minimum car insurance coverage does not cover the policyholder’s injuries or vehicle damage, either, only providing liability insurance to pay for injuries and property damage caused to others.

What Our Clients Are Saying…

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