Auto Insurance

The professionals at McMichael Insurance will work with you to eliminate the confusion that exists when selecting auto insurance.

How much liability protection do I need? What deductible should I have on my vehicle? Which insurer offers the best policy for my particular situation? Our staff of professionals will answer these and other questions you may have, so that you can make an informed decision. We don’t stop at simply giving you the cost for each option, rather, we will help you understand real life situations and how having the right coverage, or lack thereof, could impact your financial well-being and your future.

Some common coverages are listed below:

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Originally, I was not sure I wanted to move to a new agency since I thought my prior agent was meeting my needs. After sitting down with McMichael, I began to realize the thoroughness of what they had to offer. Their ability to dissect our existing coverages resulted in finding we were not covered properly in many aspects of our business. As a result, we moved our existing insurance coverage to McMichael Insurance. I highly recommend McMichael Insurance.
Mark Bassett

Cleveland, OH

Coverage Types

Collision

Collision coverage pays for damage to your vehicle caused by the colliding of two or more objects. The basic policy pays up to the actual cash value of the insured vehicle at the time of loss.
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Customizing Coverage

The need for customizing coverage varies greatly from insurer to insurer. While the industry standard policy provides customizing coverage for all vehicles except pickups or vans, some insurers exclude customizing for all vehicles. Still others may include a small amount, perhaps $1,000. Examples of customizing include, but are not limited to the following: conversion packages, chrome wheels, special paint or lettering, truck caps and running boards. If you have any non-factory items installed in your car, truck or van, please advise your insurance professional so appropriate coverage can be put into place.
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Electronic Equipment Coverage (Non-factory)

While the basic auto policy already includes coverage for factory electronic equipment, there is still a need to add coverage for equipment that is installed in a location other than the manufacturer’s designed location. We are able to endorse the basic auto policy to cover this non-factory equipment, including items such as stereos, amplifiers, tape players, compact discs, radar detectors, and mobile phones.
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Liability
Liability protects you for your legal responsibility, and resulting lawsuits, caused by an automobile accident. The protection afforded by this coverage includes bodily injuries to another person or persons and/or damage to property.

The importance of selecting the right amount of coverage cannot be understated. The law requires the responsible party to make restitution for damages in the form of cash payments. If you do not have enough insurance to pay for the judgment against you, you will be personally responsible to pay the excess amount out of your own pocket. If you are unable to do that from your current earnings then a judgment against your future earnings may be assessed.
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Loan/Lease Gap Coverage
While the standard insurance policy pays for the actual cash value of the vehicle, at the time of loss, there are instances where you may owe more than the standard insurance covers. A lease of a vehicle, or sometimes even a loan, will result in a contractual obligation that requires payment of more than the vehicle’s actual cash value, thereby leaving a shortage between what the insurance pays and what the bank requires you to pay. Lease/Loan Gap coverage provides payment for this difference so that you are not stuck paying this out of your own pocket.
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Medical Payments
Medical Payments provides an amount of money available to pay for automobile related injuries to you or passengers of your insured vehicle.
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Other than Collision (Comprehensive)
This coverage provides payment for damage to your insured vehicle caused by a Comprehensive loss, sometimes termed Other-Than-Collision. Typical examples of claims falling into this category include fire, theft, vandalism, malicious mischief and breakage of a windshield. Collision with a bird or animal is also classified as Comprehensive. The basic policy pays up to the actual cash value of the insured vehicle at the time of loss.
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Rental Reimbursement
Rental Reimbursement provides payment for rental car use due to a covered loss to your insured vehicle.
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Towing and Labor
Towing and Labor coverage will pay up to the limit of coverage purchased in connection with the disablement of your insured vehicle completed at the scene of the disablement. This includes expenses such as towing, roadside fueling of your car, a jump start or battery replacement, and changing a tire.
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Uninsured and Underinsured Motorists
Uninsured and Underinsured Motorist provides payment for bodily injury to you or passengers involved in an auto accident which is caused by a driver with either no insurance (uninsured motorists) or not enough insurance (underinsured motorists). This coverage may also apply to bodily injury to an insured household member, caused by an uninsured or underinsured motorist while riding in a non-household vehicle, walking, or riding a bike.
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Uninsured Motorist Property Damage
Uninsured Motorist Property Damage pays for damage to your vehicle in the event that it is struck by a positively identified underinsured motorist. If you insure your vehicle for full coverage, the collision coverage will pay for your vehicles. If you do not carry collision coverage, or you carry high deductibles, Uninsured Motorist Property Damage is a good option to protect your vehicle from damage caused by a driver with no insurance. This coverage is subject to a $250 deductible.
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Other Insurances

Our Customers

Extremely helpful and absolutely great prices!
rebel malm
rebel malm
15:12 18 Nov 22
Michelle was so much help with our insurance needs. SheWent above and beyond!! She save us so much money, we got better policies for less money, and personal caring service.
Mary C
Mary C
15:36 11 Nov 22
10/10 Recommend the Whole McMichael Team are fast professional and made sure to take care and adjust my policies to my specific needs.
Streets boro
Streets boro
14:18 11 Nov 22
Dennis did a great job finding us a lower rate on our home and auto insurance. Thank you.
Ron Borchert
Ron Borchert
14:01 09 Nov 22
Kristen was great, she found a bundle insurance that lowered both my home & auto insurance!
Betty Cason
Betty Cason
14:54 04 Nov 22
Kristen was very easy to work with and made every effort to make sure that we received the best quote. She saved us a ton of money!! Would highly recommend.
Fred Upton
Fred Upton
00:31 04 Nov 22
Excellent
Suresh P
Suresh P
13:23 27 Oct 22
Professional, fast and friendly, and we now have 4X our previous coverage at a cheaper rate! I have nothing but good things to say about McMichael Insurance and my experience with them thus far.
Eric Zierer
Eric Zierer
13:19 25 Oct 22
I had Michelle McMicheal she was very friendly. She helped us find the lowest rates, provided the proper information that was needed. She was alway available for questions and concerns.
Lakeisha Mckinnie
Lakeisha Mckinnie
19:43 22 Oct 22
Just sign up home and auto policy with them. Good experience so far.
Liping Liu
Liping Liu
15:12 22 Oct 22
I had a great experience! Within an hour, they were able to get me a cheaper rate on my car insurance! Kristyn was really on it!
Jenna Taylor
Jenna Taylor
13:35 20 Oct 22
Very polite and professional and got me just what I needed at a very good rate.
Darrell L Scott
Darrell L Scott
14:13 13 Oct 22
Dennis McMichael is an excellent insurance agent that works exclusively to help his clients save money and receive the best coverage available.
Don Garrini
Don Garrini
19:14 30 Sep 22
The most reliable, professional, honest and caring business you can find in the area. I highly recommend them!
Olya Dobro
Olya Dobro
19:24 29 Sep 22
Kristen was AWESOME! She was so helpful. Quick to answer my emails, and just so pleasant to work with! Helped me get a great rate for 2 cars, one being for a teenage boy! Thank you Kristen!
Leah Salata
Leah Salata
13:17 28 Sep 22
Very please with the service and the price. Kristen Jordan (agent) I worked with was very profesional and very helpful. I’m very please with the service.
Benji Velasquez
Benji Velasquez
13:18 19 Sep 22
Michelle, at McMichael Ins, is one of the most amazing people I've met on this journey in purchasing our home. She had absolutely nothing to do with the purchase, only the home owners ins, yet she talked with me. Let me vent and rant about my frustrations and just made my experience a much better one.
Sandi Ambrose
Sandi Ambrose
22:05 15 Sep 22
always very kind and considerate. Always the better price.ThanksGinny
Virginia VanHoose
Virginia VanHoose
16:21 14 Sep 22
Brian was great to work with. He took care of all my questions and got me a cheaper rate for the same if not better coverage than I had. Highly recommend Brian and McMichael insurance company. I appreciate all your time and effort you all gave me !!
Rick Donaty Jr
Rick Donaty Jr
14:08 12 Sep 22
Great customer service. Trustworthy and goes the extra mile.
CaleHeintz
CaleHeintz
16:34 09 Sep 22
McMichael insurance is right on the ball and they are very very helpful.
Willadean Vorisek
Willadean Vorisek
14:08 07 Sep 22
The agents at McMichael Insurance are top notch. They took the time to make sure they knew what I needed and provided me with quality, affordable coverage for Medicare, auto, and renter's insurance. And they followed up to make sure I was satisfied. Agents are supportive and caring. I highly recommend that you give them an opportunity to do the same for you.
Brenda Gates
Brenda Gates
18:14 03 Sep 22
Our experience has been incredible! Everyone is quick to help, explains anything we don't understand, and set us up with a plan that saves us a great deal of money. They make it clear that their goal is actually to help and not just to make money off of us. We highly recommend their services!
Christina Protsman
Christina Protsman
17:51 03 Sep 22
If you like to save money and appreciate good customer service, this is the company for you!I recently made the switch thanks to Kristen and the team at McMichael Insurance, after my previous insurance company doubled our policy price to add my teenage driver. Kristen was very patient with me as we discussed which coverage options would be best and the most reasonable financially. She made herself available to answer even the simplest of questions to ease my mind about the process of switching companies.I am happy to report that we came out with better coverage than our previous company for a much more reasonable cost. Thank you Kristen!
Shannon Williams
Shannon Williams
19:38 30 Aug 22
The service and productos provided were better than expected. I gladly give 5 stars only in absence or inability to give 10 stars ⭐️
Antonio Torrico
Antonio Torrico
15:32 24 Aug 22
The most nicest insurance agent I have ever met so caring and informative thank you..
Sun Man
Sun Man
13:29 24 Aug 22
She sent me the quote first and didn’t ask the same questions over again. She was very patient and explained and shared her own experience.
NaSreen Nazamyar
NaSreen Nazamyar
14:14 22 Aug 22
My experience with this company, Kirsten in particular, has been wonderful. I have never dealt with an insurance agent before that it's so knowledgeable and yet kind enough to keep customer's best interest in mind. She also saved me significantly over my previous companies whom I had been doing business with for over 10 years. Give them a try and you will not be glad you did. Thank you!
Umer Khan
Umer Khan
13:19 18 Aug 22
It has been great working with Kristen at McMichael Insurance. She was able to save me over $500.00 a year on my automobile insurance and with better coverage. She answered all my questions quickly and professionally. She made it so easy to switch insurance companies.
Shelly Trump
Shelly Trump
16:51 15 Aug 22
They’re clearly knowledgeable & very quick to respond. Made getting a new policy very easy.
Megan Zavodny
Megan Zavodny
19:47 09 Aug 22
Always so appreciative of Dennis and his team. We've been part of the McMichael family for almost 20 years. Great communication, responsiveness, and attention to detail. Best decision we've made!
David Smith
David Smith
16:44 06 Aug 22
I am always so impressed with everyone at McMichael Insurance! It is so clear that they care about all of their clients.
Casey Nelson
Casey Nelson
23:19 05 Aug 22
Dennis is a total pleasure to work with, a true professional.
Tom Kasicki
Tom Kasicki
14:30 04 Aug 22
Helped me get a lower car and home insurance price. They answer your questions quickly and make getting insurance seem like a breeze. Thanks so much!
Emily Zion
Emily Zion
18:06 31 Jul 22
So we were being ripped off by other insurance companies and McMicheals had us insured for half the price we were paying! They also are people you can talk to, not some corporation where you call a 1800 number, I have my own personal agent, and I can call her anytime. What a difference! I won’t be leaving their agency anytime soon! Kristen is the best!
Ricardo ramos
Ricardo ramos
22:47 29 Jul 22
Kristen was extremely helpful with providing my family with the best insurance options for us. Her insurance knowledge and real world experience sets them apart from the others.We switched our auto policy’s and home policy from State Farm to McMichael Insurance.
Steven Morabito
Steven Morabito
15:13 25 Jul 22
My agent Michelle was wonderful
shar bear
shar bear
22:27 19 Jul 22
Working with Michelle was excellent experience. Her regular feedback and quick response time to my random questions was reassuring and greatly appreciated. I will be working with her again for my future insurance needs.
Babatunde Onadele Jr
Babatunde Onadele Jr
16:08 15 Jul 22
Prompt and friendly service
joe bazelides
joe bazelides
00:13 15 Jul 22
Always great to work with and very helpful!
Julie Molnar
Julie Molnar
17:38 14 Jul 22
What a great experience! Shopping for insurance can at times be worse than going to the dentist! However, working with Kristen at McMichael Insurance was such a different experience! She quickly and non obtrusively sent me a quote and follow up via email, as I requested when I started looking. I hate getting bombarded with those annoying phone calls and non stop texting messages that nearly every other company used saying they had my quote ready, but I had to call them to get it. That was not the case with McMichael Insurance, I received an email with my quote attached and a nice and simple response saying that if I was interested they would be happy to help me with finding the right insurance. They most certainly did, saving us a considerable amount of money while improving upon our coverage for our home and auto policies. So unlike that trip to the dentist, the experience of shopping for new insurance was an absolute pleasure with McMichael Insurance and especially with Kristen. I would highly, highly recommend that anyone in need of insurance or even just looking to compare current policies contact Kristen to discuss what she can do for you. You might find yourself as surprised as we are with the savings she found for us, but even more so with the way she goes about communicating with you in doing so. Great Great Experience!
Cary Schreiner
Cary Schreiner
11:57 13 Jul 22
McMichael Insurance made the process of switching insurance companies during a move carefree! Abbey took care of everything and was easily accessible when I needed to talk to her. I believe she found the best auto-condo rates and I am set even before I make my move. Now to deal with the cable company, which is a completely different story!
Doris Mullins
Doris Mullins
15:10 12 Jul 22
I have been with them for 20+ yrs.They go above & beyond to find the best deals & rates. I love their website & the convenience of paying online & having documents & everything electronic. Their website is very user friendly too. 😉
J J
J J
10:21 09 Jul 22
Kristen was great! She was able to lower my rates on car insurance by over $100 per month! And on homeowners by more than 50% with twice as much coverage!!! Amazing service and support! Thanks so much!!!
J.R. Williams
J.R. Williams
14:19 24 Jun 22
Have been a loyal customer of McMichael’s for well over 35 years. There service is well beyond the normal company and I would never think of changing and would recommend to all
Dan Goodhart
Dan Goodhart
18:22 16 Jun 22
My experience with McMichael Insurance has been excellent. Kristen have been very helpful and responsive to my questions.Matt Steed
Matt49
Matt49
14:16 14 Jun 22
Been with McMichael for 15 years. Always great customer service. Have and continue to recommend them.
Fran Leck
Fran Leck
10:52 10 Jun 22
Kristen from McMichael helped us save substantial dollars on our combined home and auto insurance. She was very hands on and consistently in contact as we looked for, applied and secured insurance for 1 home, 1 lake cottage and 4 vehicles. So far a great experience.
Dave Boothe
Dave Boothe
15:07 07 Jun 22
Great service! Michelle has been so helpful and communicative throughout the process of choosing insurance. It was quick and easy, and I feel confident she is looking out for my best interests and getting me the best deal.
Kelly Ryan
Kelly Ryan
14:53 02 Jun 22
When I first met Gerald McMichael and then had a follow up meeting including one of his team members, we discussed moving our business general liability insurance to McMichael Insurance. Although I was not sure I wanted to move to a new agency since the existing agency appeared to service our needs; I began to realize the thoroughness of what they had to offer. Their ability to disect our existing coverages resulted in finding we were not covered properly in many aspects of our business. As a result, we moved our existing insurance coverage to McMichael Insurance. In summary, our rear building along with contents is now properly protected while it had no coverage previously; we upgraded other coverages to higher limits; and we reduced or elimited other areas where we had duplicate coverages. All in all, overall pricing was reduced with more realistic pricing for the varied coverages. In addition, they pride themselves by providing referrals. We already had a sit down meeting with a company for possible future work related to our industry that could bring more business our way. As can be seen, I highly recommend McMichael Insurance. Thank you.
Mark Bassett
Mark Bassett
20:17 01 Jun 22
Thankfully haven’t had any interactions recently. Safe driving on our end! But have always had excellent service with the McMichael agency. Friendly and efficient always.
MICHELLE RUDDLE
MICHELLE RUDDLE
15:56 25 May 22
Wonderful experience!!! Kristin was very helpful and I am so happy.
Kathleen Melendez
Kathleen Melendez
16:09 18 May 22
I had the pleasure of working with Kristen and she made switching my insurance so easy. She also helped me same money by finding the right provider for me. This is a great company to talk to!
95violator
95violator
03:31 14 May 22
Working with McMichael Insurance was a smooth transition process from my old insurance company. Great value for money.
Detoya Richburg
Detoya Richburg
14:16 27 Apr 22
I worked with Kristen here at McMichael Insurance and I must say she went above and beyond to find the best rate for me and my wife on our auto insurance. I would recommend 10/10 to anyone!
Bryce Sztary
Bryce Sztary
14:17 21 Apr 22
Abby was great to work with. Fast, efficient, answered all my questions and concerns and connected me with what so far is a great insurance company with reasonable prices, good reviews and a lot of included options that other companies do not provide. Bundled my truck, car, homeowners and rental property policies. Saved hundreds with better coverage. Highly recommend exploring options with them. They represent several different companies to get you competitive bids and plans.
Jake Miceli
Jake Miceli
15:49 18 Apr 22
Insurance can be overwhelming to deal with - especially when you are canceling coverage with one vendor and moving to a new vendor. McMichael Insurance (Abbey Griffor) helped make the process so smooth. Abbey helped us from start to finish, and even checked in a week after our coverage was placed to make sure we didn't have any questions. Also, our rates went down with the switch. I am completely confident in working with McMichael Insurance.
Abby Schofield
Abby Schofield
13:24 18 Apr 22
Excellent people who answer questions promptly and courteously. They save me time and money on insurance.
Jeff Seiger
Jeff Seiger
05:36 17 Apr 22
Very friendly, good service and great rates
Chris Gabbard
Chris Gabbard
14:49 15 Apr 22
Very happy with my insurance company McMicheal the staff at the office is always so kind to me !!!
Shela Young
Shela Young
23:25 12 Apr 22
Prompt and responsive service. Very helpful with transition to new insurance company.
JR WEBB
JR WEBB
00:15 12 Apr 22
Abbey is absolutely AMAZING!! I told her what I was looking for and she got back to me in less than 24 hours!! HIghly recommended!!
reeseamanda29
reeseamanda29
15:15 08 Apr 22
I worked with Michelle McLean and she was wonderful. She walked me through multiple options and compared each option as I compared with my current insurance policy. I saved just over $600 / yr. It do not seems like much but adding that to my savings by refinancing, I netted a few hundred a month. Not bad I think..
DJ Roach
DJ Roach
19:39 05 Apr 22
Mark quickly updates my policies as our life changes. We trust McMichael Insurance with home, auto, and life insurance. Their promptness and professionalism are two outstanding qualities of my agent.
Shannon Zendejas
Shannon Zendejas
14:24 02 Apr 22
My experience with Kristen was extraordinary with no end. I very well understand Kristen's purpose was first of all to cell a product, yet her demeanor and telephone aura developed into a revealing conversation about life and experiences, almost like talking to a long time friend. Professionally Kristen as McMichael Insurance Representative is 5-star, clear in tone and extremely knowledgeable as to what it takes in an insurance contract to fit the needs of the person or family I highly recommend.
Larry Banks
Larry Banks
16:13 01 Apr 22
We had a wonderful experience with Abbey at McMichael insurance. She was thorough, knowledgeable and very easy to work with. We got additional coverage on our policies and at a great price!
Kristen Dawson
Kristen Dawson
14:50 29 Mar 22
Been with McMichael insurance for 11 years. If I need anything they get back to me within a day if it wasn’t able to be handled right then over phone. Always friendly when I call. Happy with this company
Tracy Ridgeway
Tracy Ridgeway
21:55 25 Mar 22
McMichael insurance offered me a bundled insurance package, combining the auto and house insurance, that was nearly $1000 less expensive than the separate accounts with my previous insurance agency.
Guy Noir
Guy Noir
13:22 25 Mar 22
great people great price !
So I’ve been looking for insurance quotes for 2-3 years to try and get the best deal I can as I have 12 policies for auto, house, campers trailers wheelers and rentals. I learned about Dennis McMichael through my son and Dennis had quotes within days of getting all my information. I like that he shopped different insurance companies for the best rates. Saved me almost $2K. The best part of my experience was that I had to contact him a lot to get clarification and actually change a few things and he always got back to me and always solved the problems that arose. Great job. Looking forward to a long relationship. ChrisMarch 2022 I purchased another RV and had to insure both for a little while until I could sell my other one. After I sold my old one I needed to get things switched over to my new one only and get a refund and Dennis took care of everything for me. He was very responsive than any questions any issues and of taking care of business for me. I really appreciate you Dennis. Chris
Chris Bernhart
Chris Bernhart
19:59 14 Mar 22
they saved me money,bundled all my insurance needs for my personal and business,great job by these guys!!!!!
Kurt Snyder
Kurt Snyder
16:18 09 Mar 22
Mr Dennis is a incredible man and wise agent. I can’t thank him enough for everything he has done for me, anytime I need him doesn’t matter what it is he’s always there to take my call. If you need a wise intelligent agent who knows his stuff and makes you feel comfortable Mr Dennis is that guy I highly recommend him. Thank you Mr Dennis for everything
Terry Perry
Terry Perry
15:49 28 Feb 22

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