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Auto Insurance

Trusted coverage from Capitol Insurance Group in Lansing, Michigan.

Auto Insurance

Overview

Michigan's no-fault auto insurance system is one of the most complex in the nation. At Capitol Insurance Group, we help Lansing-area drivers understand their options, choose the right Personal Injury Protection (PIP) level, and find the best rates across our carrier partners.

Whether you're insuring a single vehicle or a household fleet, we compare quotes from 8+ carriers to make sure you're getting solid coverage without overpaying. We also help you maximize discounts for bundling, safe driving, and more.

Why Choose an Independent Agent

An independent agent isn't tied to one company's rates or products. We can shop the full market on your behalf, compare apples to apples, and find coverage gaps a single-carrier agent might miss. Plus, when you need to file a claim, we advocate for you directly with the carrier.

Common Coverage Options

Personal Injury Protection (PIP)
Collision Coverage
Comprehensive Coverage
Uninsured/Underinsured Motorist
Liability Coverage
Roadside Assistance
Rental Car Reimbursement
Gap Coverage

Frequently Asked Questions

Since the 2019 reform, Michigan drivers can choose from several PIP levels: unlimited, $500,000, $250,000, $50,000, or opt out if you have qualifying health coverage. We help you understand the trade-offs of each option.
Yes, bundling is one of the easiest ways to save. Most of our carriers offer multi-policy discounts of 10-25% when you combine auto and home coverage.
We recommend an annual review, especially after life changes like buying a new vehicle, adding a teen driver, moving, or changes in your commute.
Key factors include your driving record, vehicle type, coverage levels, deductibles, credit history, annual mileage, and where you park overnight. We look at all of these to find you the best rate.

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