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It also covers injuries you or your family incur as a pedestrian and is paid regardless of who is at fault. We represent only the highest rated insurance companies in the non-standard or high-risk market. We are the largest independently owned and operated insurance agency franchise system in the state of Michigan. But probably best way to save money is to comparison shop as many insurance companies as possible. Be the first to review this business. Do I need Uninsured/Underinsured Motorist coverage. What are the minimum levels of auto insurance I must have. Write your review now Help Part of the new at&t Careers About YELLOWPAGES. Email insurance@octfcu. Savings Account College Auto Insurance Mechanical Breakdown Protection   RV, Boat & Watercraft Insurance Homeowner's Insurance Home Mortgage Protection Condominium Insurance Renter's Insurance Life Insurance Overview Term Insurance Universal Life Insurance Variable Universal Insurance   Whole Life Insurance Accidental Death & Dismemberment   Credit Life & Disability Insurance Earthquake Insurance Flood Insurance GAP Long-Term Care Insurance Leave Bonds Umbrella Insurance Credit Card Payoff IRA Loan Mortgage Loan Savings Credit Card Rates Dividend Rates Educator Product Rates Home Equity Loan Rates Loan Rates Mortgage Loan/Refinance Rates   Application Overview Auto Insurance Quote Credit Card Application Credit Card Balance Transfer Express Loan Application Home Equity Loan Application Homeowner's Insurance Quote   Mortgage Loan Application IRA Advisor 403b/457b Advisor Consumer Credit Counseling Service   Educator Resources Experian Free Annual Credit Report   Kelley Blue Book myFICO --> Savings Bonds US Mint New Application Return to Saved Application Check Application Status Auto Insurance FAQs Offered by Member Insurance Services OCTFCU Mortgage Co. Do I need Uninsured/Underinsured Motorist coverage. While you may the low premiums offered by low-rated companies, you may end up paying much more should your insurance company be unable to cover your claim. Bring Down the Cost of Your Insurance Premiums: Auto, Home, Life Why Insurance Premiums Rise Calendar    Site Map    Publications    Privacy Policy    About Us    Home ©2007 OCTFCU. Marie and everywhere in between. All rights reserved. What are the minimum levels of auto insurance I must have. Email insurance@octfcu. What should I look in choosing an insurance company. All rights reserved. Marie and everywhere in between. You can also raise the deductible—the amount you pay before insurance company begins to pay—which will lower the premium amount. Underinsured Motorist coverage pays for damage not covered in the other driver’s policy. Agent Rebate Prog. m. Why would I want to purchase more than the minimum insurance required by law. Government statistics estimate that over 13% of drivers are driving without a valid license, and 25% of motorists are driving without insurance.