Protect Your Drive With Trusted, Local Expertise
When you're on the road in Michigan, you need auto insurance you can rely on - not just a policy, but a partner who understands your risks, your coverage needs, and your budget. At the Rich Merso Insurance Agency, we combine local insight with the strength of Farmers® Insurance to deliver protection that's both dependable and cost-effective.
Our goal is simple: premium-quality coverage with clear, honest guidance - tailored to Michigan drivers.
Contact UsWhy Auto Insurance Matters in Michigan
Michigan has unique driving conditions, seasonal weather challenges, and state-specific insurance requirements. Having the right protection in place ensures you're covered from:
- Accidents and collisions
- Weather damage (hail, wind, storms)
- Theft, vandalism, and hit-and-run incidents
- Injuries to you, your passengers, and other drivers
- Liability claims
- Uninsured/underinsured motorists
Rich helps you understand your options so you can choose coverage that fits your lifestyle and keeps you financially protected on every trip.
Auto Insurance Coverage Options
We help you build a policy that addresses real-life needs — without paying for unnecessary extras.
Liability Coverage
Protects you financially if you cause injury or damage to others.
Collision Coverage
Covers repairs or replacement if your vehicle is damaged in an accident.
Comprehensive Coverage
Protection from non-collision events such as theft, fire, weather, or animal impact.
Personal Injury Protection (PIP)
Required in Michigan; helps cover medical costs, lost wages, and more.
Uninsured/Underinsured Motorist Coverage
Essential protection when the other driver doesn't have enough coverage.
Optional Add-Ons
Premium-level protection options include: Roadside assistance, Rental reimbursement, Glass repair, coverage, Gap insurance, and Customized auto equipment coverage.
Why Choose the Rich Merso Insurance Agency?
Local Expertise Matters
Rich has lived in the Midland-Auburn area since 1999. He understands Michigan roads, weather patterns, insurance laws, and claim scenarios firsthand.
Personalized, Budget-Conscious Coverage
We help you compare options, avoid unnecessary costs, and still get premium protection backed by Farmers® Insurance.
Clear, Honest Guidance
Insurance shouldn't be confusing. Rich breaks everything down so you know exactly what you're getting - and why.
Premium Service With Real People
When you call, you speak to someone who knows you. We help with claims, paperwork, and coverage changes quickly and professionally.
Local Support, Statewide Service
Whether you live in Midland, Auburn, Freeland, Saginaw, Bay City - or anywhere in Michigan - our agency is here to help protect your drive.
Discounts & Savings Opportunities
We look for ways to help you save without compromising coverage. Popular discounts include:
- Multi-policy (Auto + Home, Auto + Life, etc.)
- Good driver discount
- Good student discount
- Multi-vehicle discount
- Homeowner discount
- Safe vehicle discount
- Paid-in-full options
Ask us how much you can save by bundling your protection.
Who We Serve
We proudly help:
- Michigan families
- New drivers
- Commuters
- Retirees
- Young professionals
- College students
- Business owners with personal or commercial vehicles
Wherever you're driving, we help you stay protected.
Get a Personalized Auto Quote Today
Whether you're shopping for a better rate, upgrading coverage, or insuring a new vehicle, we're here to help you make a confident, informed decision.
Experience the difference of a local, trusted, and family-oriented Michigan insurance agency committed to protecting what matters most.