30795 John R. Road, Madison Heights, MI 48071

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Auto Insurance

Navigating Auto Insurance In Oakland, Macomb, And Wayne Counties
Michigan’s roads, from the peaceful lakeside paths to the heart of Detroit’s lively streets, tell stories of adventure and everyday life. When those stories take unexpected turns, Doug Ware Insurance Agency is here to make sure you’re covered. Want the best local protection for your Metro Detroit drives? Start with a virtual chat with our experts. Or, for a quick chat, give us a ring at 248-583-6255. Another line? Try 248-265-3444. We’re your local Metro Detroit insurance champions!

In the heart of Michigan, spanning the dynamic regions of Oakland, Macomb, and Wayne counties, every vehicle tells a story. It’s not just about the journey; it’s about the experiences, the destinations, and the memories created along the way. Doug Ware Insurance Agency is here to ensure those stories are filled with confidence and peace of mind.

By collaborating with renowned names like Progressive and Auto-Owners, we offer you top-tier coverage that’s both affordable and comprehensive. Why wait? Dive into a virtual consultation to explore tailored solutions or give us a quick call at 248-583-6255 for immediate assistance. With Doug Ware, you’re not just insuring a vehicle; you’re safeguarding your Michigan legacy.

Every Michigander knows that our roads tell a story. At Doug Ware Insurance Agency, we’re not just listening; we’re here to be a part of your story. We understand the unique challenges and joys of driving in Michigan, whether you’re behind the wheel of your daily commuter, a cherished classic, or even a robust motor home.

Ready to feel truly understood and protected? Whether it’s a quick trip in your SUV or a journey with your specialized utility trailer, we’ve got a plan just for you. Complete our custom quote form and discover the Doug Ware difference.

Mandatory Auto Insurance Coverages in Michigan

Bodily Injury Coverage: Protecting You From Medical Costs
This coverage helps pay for medical expenses if someone gets hurt in an accident and it’s your fault. It’s not just about following Michigan rules; it’s about keeping everyone on the road safe.
Property Damage Liability: Safeguarding Against Repair Bills
If you accidentally damage someone’s property with your vehicle, like their fence or mailbox, this coverage helps pay for repairs. It’s essential for every Michigander behind the wheel.
Personal Injury Protection: Comprehensive Medical Expense Coverage
Accidents can lead to medical bills. PIP helps cover those costs, whether it’s a doctor’s visit or longer-term care. In Michigan, this is a must-have for peace of mind on the road.

Available Auto Insurance Coverage

Comprehensive Coverage for Michigan Drivers
Guard your vehicle against unexpected events like theft, natural disasters, or even a deer crossing in Oakland’s woods. This coverage ensures that, from Macomb’s city streets to Wayne’s countryside, your car is protected from non-collision threats.
Collision Coverage Across Wayne, Oakland, and Macomb
Michigan roads can be unpredictable. Whether it’s a sudden stop in downtown Detroit or a slippery curve in Macomb, accidents happen. This coverage helps with repair or replacement costs when your vehicle meets an unexpected obstacle.
Uninsured Motorist Protection in Michigan
Not everyone plays by the rules. If an uninsured driver causes an accident on the streets of Wayne or the highways of Oakland, this coverage ensures you’re not left with the bill.
Underinsured Motorist Coverage for Michiganders
Sometimes, insurance just isn’t enough. If you’re in an accident in Macomb or Wayne and the other driver’s insurance falls short, we’ve got you covered.
Emergency Road Trouble Service in Oakland, Macomb, and Wayne
Breakdowns don’t wait for a convenient time. Whether you’re stranded in Wayne’s city center or on a rural Oakland road, this service ensures you’re back on track swiftly.
Car and Auto Rental Coverage for Michigan Residents
Accidents can disrupt your routine. If your car’s in the shop after a mishap in Macomb or Wayne, we help cover the cost of a rental, ensuring your life keeps moving.

Additional Insurance Coverage Offered

Umbrella Personal Excess Liability – Michigan’s Extended Safety Net
From the busy streets of Detroit to the quiet neighborhoods of Troy and Sterling Heights, unexpected large claims can surface. Our Umbrella Personal Excess Liability coverage steps in, offering an added layer of protection with an extra $1,000,000 per occurrence. If you’re seeking even more security, options for higher limits are available. Consider this your financial safeguard, ensuring you’re protected no matter where you are in Michigan.
Watercraft Insurance – Sail Safely in Oakland, Macomb, and Wayne
Michigan’s lakes and rivers are a boater’s paradise. Whether you’re cruising Lake Erie or St. Clair, our coverage ensures your boat and belongings are protected. Set sail with confidence, knowing you’re covered from bow to stern.
Motorcycles and Recreational Vehicles – Michigan’s Adventure Assurance
Feel the thrill of the open road or snowy trails in our beautiful state. Our coverage ensures your motorcycle, snowmobile, or ATV is protected. From the UP to the Ohio border, ride with peace of mind.
Life, Disability, and Long-Term Care Coverage – Protecting Michiganders’ Futures
Life in Detroit, Troy, and Warren comes with its unique challenges. Doug Ware Insurance Agency is here to support you, offering top-tier term life insurance with steadfast rates for up to 30 years. With our distinct Professional Needs Assessment, we guide residents from Livonia to Sterling Heights in making sound insurance choices. It’s more than a policy; it’s a commitment to your financial well-being across Michigan.

Auto Insurance Quotes

See rates below from many auto insurance companies. Or call us at 248-583-6255 or 248-265-3444 for great auto insurance rates.

Auto Insurance Agency Ratings & Reviews

Auto Insurance Discounts

For a complete list of auto insurance discounts available to you, call 248-265-3444.
  • No Accidents Discounts
  • No Traffic Violations
  • Multiple Policy Discounts
  • Multiple Vehicles Discounts
  • Anti-lock Brake Discounts
  • Security Device Discounts
  • Mature Driver (50 years +)
  • Good Student Discounts
  • Alumni Discounts
  • AARP Discounts
  • Bank/Credit Union Member
  • Business Associations
  • Chamber of Commerce
  • Educational Discounts
  • Business/Government Units
  • Medical Discounts
  • Nonprofit Discounts
  • Gym Member Discounts
  • Professional Discounts
  • Property/Condo Owners
  • Realty Discounts
  • Service Club Discounts

Trusted, Local & Independent

We are an independent insurance agency located in Madison Heights, Michigan. We are 100% independent, meaning we can shop your insurance with a wide range of insurance carriers, saving you time, aggravation, and money. Give us a call today at 248-583-6255 or 248-265-3444. You'll be glad you did.

Contact Information

Doug Ware Insurance Agency, Inc.
30795 John R. Road
Madison Heights, Michigan 48071

248-583-6255 Main Office
248-265-3444 Call/Text
248-583-6259 Secure Fax

Holiday Hours

9am — 5pm
9am — 5pm
9am — 5pm
9am — 5pm
9am — 5pm
By Appointment

Please note we are closed Sundays and all holidays; including 1pm—2pm daily for lunch.

Location Map

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All Doug Ware Insurance Agency, Inc. website information is designed to help you with your decision making about insurance coverage, insurance premiums and available insurance discounts. It is not intended to provide any insurance advice. Contact a Doug Ware Insurance Agency insurance agenct today at 248-583-6255 or 248-265-3444 for assistance concerning your insurance options and any insurance questions.
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