Skip to content
Call
Text
Profile photo of a State Farm Agent named: Michelle Kuschel
State Farm® Insurance Agent

Michelle Kuschel

Office Hours

Mon-Thu
8:30am - 5pm
Fri
8:30am - 4pm
Sat-Sun
Closed
After Hours by Appointment

Address

3171 Keewahdin Road
Fort Gratiot, MI 48059-3412

Between Port Huron Drywall and Keewahdin Mini Storage

Would you like to create a personalized quote?

Would you like to create a personalized quote?

Office Info

Office Hours

Mon-Thu
8:30am - 5pm
Fri
8:30am - 4pm
Sat-Sun
Closed
After Hours by Appointment
Call or text us 24 hours a day!

Contact me to schedule a virtual meeting

Address

3171 Keewahdin Road
Fort Gratiot, MI 48059-3412

Languages

English

When it comes to ensuring you have proper coverage for auto and life insurance during the winter months, here are five tips to consider:

Auto Insurance Tips:

  • Review Your Coverage Limits: Winter weather can lead to more accidents. Ensure your liability, collision, and comprehensive coverage limits are sufficient to protect you in case of a severe accident. Consider increasing your limits if they are currently low.

  • Check for Weather-Related Coverage: Verify that your policy includes coverage for weather-related incidents, such as snowstorms or ice damage. Comprehensive coverage can help protect against damages caused by falling trees or flooding from winter storms.

  • Add Roadside Assistance: Winter driving can be unpredictable. Adding roadside assistance to your auto insurance policy can provides help in case you get stuck in the snow or need a jump start due to cold weather.

  • Evaluate Your Deductibles: Consider adjusting your deductibles based on your winter driving habits. If you live in an area prone to severe winter weather, a lower deductible might be beneficial to minimize out-of-pocket expenses after an accident.

  • Stay Informed About Discounts: Some insurers offer discounts for winter driving courses or for vehicles equipped with winter tires. Check with your insurance provider to see if you qualify for any savings.

Life Insurance Tips:

  • Assess Your Coverage Needs: Winter can be a time of reflection. Re-evaluate your life insurance needs, particularly if you’ve had significant life changes (e.g., marriage, children, or a new job). Ensure your policy adequately covers your family’s needs.

  • Consider Additional Riders: Look into adding riders to your life insurance policy, such as accidental death or critical illness coverage, to provide extra protection during the winter months when health issues may arise more frequently.

  • Review Beneficiary Designations: Check that your beneficiary designations are up-to-date, especially if there have been changes in your personal life. Ensure that your loved ones will receive the benefits you intend for them.

  • Keep Your Policy Active: Winter can be financially stressful, but it’s crucial to keep your policy current, prevent lapses in coverage that could leave your family unprotected.

  • Consult with a Professional: Consider speaking with an insurance agent o to discuss your winter-specific needs and ensure you have the appropriate coverage for both auto and life insurance.

By taking these steps, you can better protect yourself and your loved ones during the winter months.

Michelle Kuschel State Farm

Choosing to become a State Farm agent has proven to be the most rewarding career decision I have made. I feel fortunate to have the opportunity to assist individuals in our community and beyond, offering them exceptional State Farm products.

The role of insurance professionals has evolved beyond simply providing information. Today, it involves assisting consumers in navigating through a sea of information to identify their specific needs and offer tailored plans. Our goal is to offer a range of options that safeguard individuals from the everyday risks they face. We focus on in life insurance, auto insurance, home/condo/renters' insurance, income protection policies, business policies, commercial insurance, and products that promote a secure financial future.

We are fortunate to have a team that shares our philosophy of going above and beyond. We treat our customers like family, addressing their concerns, providing education when necessary, and offering guidance whenever they need it. Our customers are an integral part of our family, and we deeply value the relationships we have built over the years through our commitment to excellence and integrity.

Please let us know how we can make your experience more enjoyable, informative, and tailored to your specific needs.

Insurance Products Offered

Auto, Homeowners, Condo, Renters, Personal Articles, Business, Life, Health, Pet

Other Products

Mutual Funds, Annuities

Ways to save money on back to school shopping

These back to school shopping tips can help you avoid overspending on school supplies, buying duplicate items and teach kids smart financial strategies.

How to know if you are receiving a spoof call

Call spoofing happens all too often, but read these tips to avoid being fooled by "phone-y"callers.

Car maintenance tasks you can do yourself

To combat auto repair costs that keep climbing, some auto maintenance can be done at home. Here are ones that are usually do-it-yourself.

View More Articles

At our agency, we are dedicated to offering Insurance and Financial Services to individuals and communities in our local area. Our main goal is to consistently provide an exceptional customer experience. Our team is committed to helping customers find the right products that protect against unforeseen events, reduce future risks, and promote a brighter tomorrow.

We provide a comprehensive array of insurance options, including Home Insurance, Auto Insurance, Life Insurance, and Health products. By offering these varied coverage choices, we aim to address the diverse needs of our customers and equip them with the knowledge necessary to make informed decisions for themselves and their families.

Our commitment to professionalism and excellence inspires us to go the extra mile for our customers. We focus on building lasting relationships grounded in integrity and personalized support. With our expertise and dedication, we are here to guide you in finding the insurance products to your unique needs.

Let us be your partner in securing your future. Reach out to us today to discover how we can help you protect what matters most.

Our Agency

Learn more about our agency and the career opportunities with us.
Available Positions
Please Note: This opportunity is about potential employment with an independent contractor agent who solicits applications for State Farm products and services, and does NOT result in employment with any of the State Farm Insurance Companies. The employment selection decision , terms and conditions of employment (such as compensation and benefits) are all determined solely by the independent contractor agent.