Clutch Risk was founded on a simple frustration: buying insurance in Michigan is needlessly complicated, expensive, and impersonal. You call a 1-800 number, get passed around, and end up with coverage you don't fully understand at a price that doesn't feel right.
We started Clutch Risk to change that. As an independent agency, we’re not tied to any single carrier. We compare available options across multiple carrier markets and explain the tradeoffs clearly — so you actually know what you’re buying and why.
Michigan has some of the most complex auto insurance laws in the country. No-fault reform, PIP elections, mini-tort — it’s a lot. We understand Michigan no-fault, PIP elections, mini-tort, and coordinated benefits, and we help explain how those choices may affect your coverage.
We are independent, which means we are not limited to one carrier’s products. We compare available options across multiple carrier markets and explain the tradeoffs in coverage, limits, deductibles, and price.
No jargon, no pressure, no surprises. We explain exactly what you're buying and why, so you make confident decisions.
Your time matters. Most quote requests can be started in minutes. Answers when you need them. Coverage that moves as fast as you do.
Michigan insurance, explained clearly.