Escanaba Office
823 Ludington Street
Escanaba, MI 49829

Fax: 906-789-9124

Auto Insurance

Auto Insurance Information

Auto Insurance in Escanaba and Powers, MI

Protecting Drivers in Escanaba and throughout Upper Michigan

From theft and vandalism to injuries and animal crossings, there are many risks that you face as a driver. These and other risks can translate into significant costs to you if you’re unprotected.  For this reason and others, it’s very important that you have protection.  Insurance provides necessary protection, and at Garceau Insurance Agency we have a complete auto insurance program, which we customize for individual clients.

We’ve insured drivers in Escanaba and other communities throughout the Upper Peninsula of Michigan for many years. We have access to many markets, offer many deductible options, and we offer coverage options that enable us to protect almost any driver against virtually any risk. Whether you’re a new or an experienced driver, we’ll be there to help you.

Auto Insurance Coverage Details for Drivers in Michigan and in other States

Michigan requires all drivers who are residents of the state to have no-fault auto insurance, which protects against injuries and damages that are caused in car accidents, regardless of who is at fault.  This means that you must carry auto insurance coverages that include personal injury protection, property protection, and residual bodily injury/property damage liability insurance. 


These coverages are standard auto insurance coverages, and they are parts of almost all auto insurance policies and/or plans in the U.S.  These coverages do not necessarily make auto insurance solutions complete; other coverages that are not standard, in most cases, include collision, comprehensive, towing and labor, and rental car reimbursement.


Our agents are experts at helping you to select the right coverages for your individual needs.


Michigan drivers are helped by the Michigan Catastrophic Claims Association (MCCA), which covers personal injury protection (PIP) costs that are in excess of $545,000.  Michigan drivers must pay annual fees for the protection that the MCCA provides. Check out the link above to learn more about MCCA.


We’ll make sure you have the coverages that you need and that you pay a fair premium.


The coverages from which you can choose include but are not limited to:


•   Liability Coverage

•   Comprehensive Coverage

•   Collision Coverage

•   Uninsured & Underinsured Motorist Coverage

•   Diminishing Deductible

•   Accident Forgiveness

•   Minor Violation Forgiveness

•   Roadside Assistance

•   Specialty Auto Insurance

•   24-Hour Customer Service

•   Towing

•   Rental Reimbursement

•   Personal Injury Protection (PIP)

•   Mexican Auto Insurance

•   Medical Payments Coverage


As a client of Garceau Insurance, you may be able to save time and money if you take advantage of benefits and discounts for which you may be eligible.  To learn about these benefits and discounts, speak with an agent.

Prompt, informed Agents keeping you and your Vehicle secure


We know how important it is that drivers stay protected, and this is one reason why we take a hands-on and detailed approach to insuring drivers.  We thoroughly assess clients’ needs through in-depth consultations and risk analysis, and once we know and understand the clients' needs, we identify the right coverages. Once the right coverages are identified, we create the best possible solutions.


We return calls in a timely manner, and we respond quickly to any communication sent to us (email, etc).  We regularly and closely review policies and plans that we write, and as a result, make sure that coverages are appropriate and that our clients' rates are always competitive.  We include clients in the review processes whenever possible, and for this reason our clients are able to fully understand their purchases and also be aware of needs for changes to coverages.


Contact us or call us today.  To start on a policy, request a quote.

Additional Auto Insurance Information

·        Michigan Auto Insurance Information and Resources (The Michigan Department of Insurance and Financial Services)

·        Michigan Auto Insurance Details and Resources (DMV)

·        Auto Insurance Shopping Tool (The National Association of Insurance Commissioners (NAIC))


At Garceau Insurance Agency we’re proud to provide car insurance in Escanaba, Powers, Menominee, Manistique, Bark River, and Gladstone, MI.  We also serve other areas in the state and we serve other states.