- Address: 510 Depot Dr., Suite 11, Traverse City, MI 49686
- Call or Text (231) 938-4408
Personal vs. Commercial Auto Insurance in Michigan: When Does a Vehicle Need Commercial Coverage?
A pickup truck can be your personal vehicle Monday night and take you to a jobsite Tuesday morning. A restaurant owner may use an SUV to pick up supplies, and […]
When Your Child Takes a Car to College: Michigan Auto Insurance Questions Parents Should Ask
Sending a child off to college comes with a long checklist: tuition, housing, textbooks, meal plans, laptops, and everything needed for a dorm room or apartment. If your student is […]
Teen Driver Insurance in Michigan: A Northern Michigan Parent’s Guide
For many Northern Michigan families, getting a driver’s license is one of the biggest milestones of the teenage years. Whether your new driver is navigating Traverse City traffic, commuting from […]
Do I Really Need Full Coverage Auto Insurance, or Am I Overpaying?
It’s one of the most common questions we hear at Cardinal Insurance Group. And the honest answer is: it depends. But before we get into whether you need it, there’s […]
Why Is Home and Auto Insurance So Expensive Right Now?
If you’ve opened your renewal lately and thought, “What the heck happened to my insurance rates?”—you’re not alone. At Cardinal Insurance Group, we’re hearing it every day: “I haven’t had […]
Do I Need to Buy Rental Car Insurance in Michigan?
Michigan Rental Car Insurance: What You Really Need to Know Renting a car is common, whether you’re traveling, your vehicle is in the shop, or you simply need a temporary […]
Why Did My Car Insurance Go Up So Much?
On average, the cost for personal auto insurance in the US rose 20.6% over 2023 costs, which was also up an average of 17.4% from 2022. We all know that […]
Is My Car Insured for Delivery Driving? (Shipt, DoorDash, Uber Eats)
If you drive for services like Shipt, DoorDash, Uber Eats, or Instacart, one of the most important questions to ask is whether your personal auto insurance actually covers you while […]
Do I Need Rental Car Insurance? What Coverage You Actually Need Before You Drive
Updated May 2026 It’s one of the most asked questions in my 38 years as a licensed insurance agent. Do I really have to buy that insurance from the rental […]
Major Inflation Impacting Your Insurance Rates
Opening your insurance renewal to see it went up 25%, 50% or even 100%? These steep increases have hit many other states in 2023 and are now being seen in […]