Cadili Insurance Agency
55075 Van Dyke Ave., Shelby Township, MI 48316
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Shelby Township households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
55075 Van Dyke Ave., Shelby Township, MI 48316
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50787 Corporate Drive, Shelby Township, MI 48315
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7857 25 Mile Rd, Ste 103, Shelby Township, MI 48316
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50258 Van Dyke Ave, Suite 2E, Shelby Township, MI 48317
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Learn about insurance coverage options specific to Shelby Township residents.
Michigan law requires all drivers to carry Personal Injury Protection (PIP) coverage at a level you choose, Property Protection Insurance of at least $1 million, and Residual Bodily Injury Liability of $20,000/$40,000 plus $10,000 for property damage. You must carry all three types of coverage to legally drive in Shelby Township.
Michigan drivers pay an average of $2,847 annually for full coverage, which is among the highest in the nation. However, rates in Shelby Township may be somewhat lower than Detroit or Warren due to lower crime rates and better demographics. Shopping between insurers can save you $50 or more per month, as companies use different rating formulas.
If you have comprehensive health insurance through your employer, choosing a $250,000 or $500,000 PIP limit can save you hundreds of dollars annually while still providing substantial protection. However, if you lack health insurance or have high deductibles, unlimited PIP might be worth the cost since serious accident medical bills can easily exceed half a million dollars.
Yes, Shelby Township's status as an affluent suburb with lower crime rates generally results in better insurance rates than cities like Warren or Roseville. However, you're still subject to Michigan's overall high insurance costs due to the state's no-fault system and regional factors like uninsured drivers and auto theft.
The Michigan Catastrophic Claims Association fee is a mandatory charge that funds unlimited lifetime medical coverage for catastrophically injured accident victims. You'll pay $90 per vehicle annually if you choose unlimited PIP coverage, or $20 per vehicle for any other PIP level. This fee is automatically added to your premium.
You should compare rates from multiple insurers at least once every year or two. Insurance rates in Michigan change frequently, and what was the best rate two years ago may no longer be competitive. Life changes like paying off your car, moving, or changes in your household should also trigger a rate comparison.
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