MENU Personal Auto Available in Michigan As one of the largest auto insurance carriers to work exclusively in Michigan, we understand what Michigan drivers need. Our policies offer protection that keeps you, your car, and your family safe. We reward our drivers for being responsible on the road, and we look for opportunities to help you save money. Find An Agent City/Zip Standard Coverages Liability If you cause an accident that hurts someone or damages property, liability coverage helps you pay for damages and defends you against lawsuits. Collision If you’re in an accident, collision coverage helps you pay for repairs or replaces your vehicle. Comprehensive Also called “Other Than Collision” coverage, comprehensive coverage helps pay for damage not caused by a collision, like hitting a deer. Personal Injury This coverage pays for medical expenses and work loss coverage regardless of who’s at fault. Uninsured & Underinsured This coverage protects you if you’re in an accident caused by someone else that isn’t insured or doesn’t have the right amount of insurance. Rental Reimbursement Rental reimbursement gives you automatic coverage to pay for a rental car if your car is being repaired due to a covered loss. Additional Coverages Roadside Assistance If you run into a mechanical problem that leaves you on the side of the road, roadside assistance can get you moving again. Loan/Lease Gap Coverage Gap coverage is applied if your car is totaled and the amount left on your loan/lease is greater than the value of the vehicle. Full Glass This coverage waives the deductible for windshield repairs if the glass is damaged in an event other than an accident. Accident or Violation Forgiveness This coverage forgives your first at-fault offense or minor 2-point violation surcharge. Excess Attendant Care This coverage offers additional attendant care for certain policies with limited personal injury protection. Vehicle Enhanced Physical Damage Increases coverage for services such as new car replacement, emergency transportation, and personal property damage - among others. CONTACT AN AGENT FOR A COMPLETE LIST OF COVERAGES File a Claim When the unexpected happens, Fremont Insurance is by your side to help you reclaim whatever you lost. We’re committed to ensuring a smooth claims experience by keeping you informed every step of the way. FILE A CLAIM Ways to Save Fremont Insurance is dedicated to helping customers get the most coverage at the best rate. Here are a few ways we can help you save. Multi-Car Discount You must insure more than one car on your personal auto policy to qualify. Multi-Policy Discount You must bundle more than one insurance policy to qualify. Group Discount You must be a member of a group or association that insures with Fremont Insurance to qualify. Good Student Discount You must be a young driver that earns good grades in school (B or higher) to qualify. CONTACT AN AGENT FOR A COMPLETE LIST OF DISCOUNTS No-Fault Insurance Laws After July 2, 2020 Michigan drivers are no longer required by law to purchase a no-fault insurance policy that includes personal injury protection (PIP) coverage. It’s now up to each driver to decide how much - if any - PIP coverage to purchase. FIND OUT WHAT'S CHANGED Frequently Asked Questions Do you insure motorcycles? What type of policy terms do you write? Who is considered a youthful operator? Related Blog Articles CATEGORY: PERSONAL AUTO No Fault Insurance Reform CATEGORY: PERSONAL AUTO Auto Security CATEGORY: PERSONAL AUTO Teen Driving Contract Get Connected Social Media Channels Facebook Twitter LinkedIn Fremont Insurance Actions Find An Agent File A Claim Talk To Someone Email Visit Call Website Design by Gravity Works Products & Services For Individuals For Businesses For Farms Claims Center Roadside Assistance (800) 550-0325 Our Company About Fremont Careers Privacy Policy Connect Contact Us Find an Agent Pay Bill Policy Holder Login