Brad Charles

As February unfolds, we’re embracing a season of new opportunities and positive changes—especially for our valued auto insurance customers. This month brings exciting news: decreases on auto insurance are coming, making it a great time to review your coverage and potentially save on your insurance costs. While winter’s chill may still linger, February is a perfect moment to reflect on the protection you have in place. Whether it’s your vehicle or your home, ensuring your insurance fits your current needs is key. From icy roads to unpredictable weather, staying covered means you can drive and live with confidence.

As your local State Farm agent, I’m here to help you navigate these changes and find options tailored to your lifestyle. Let’s work together to make sure you’re getting the most value from your insurance—because protecting what matters most should always come with ease and affordability. Feel free to reach out anytime for a personalized review or just to ask questions.

Team Charles has built our agency on one simple principle: help people understand the "why" behind their insurance coverage. Whether it's auto, homeowners, renters, or condo insurance, we take the time to explain what your policy actually means—so you're not just checking a box, you're protecting what matters most.

Too often, people only find out they’re underinsured when it’s too late. That’s why we believe in slowing things down, having real conversations, and making sure you’re truly covered—not just the minimums. Good auto insurance isn’t just about the car; it’s about protecting your financial future. And when it comes to your home, whether you own or rent, the right coverage can be the difference between a minor setback and a major crisis. Our goal is to help you avoid those costly gaps by educating you upfront and helping you plan ahead.

From your daily commutes long the US-23 / M59 corridor to unpredictable Michigan weather, life can be full of surprises. My team and I are here to help you prepare for the unexpected with the right protection. Whether you're a long-time resident of Hartland, a new driver in Brighton, just bought your first home in Howell, renting your first apartment in Milford, or downsizing to a condo in Fenton, we're here to help you make sense of your options. We believe insurance isn’t one-size-fits-all—it’s personal. That’s why we take the time to explain what your auto, homeowners, renters, or condo coverage actually does and how it protects you and your family.

With over 20 years of experience and a passion for helping families feel secure and confident, my team and I are here to guide you—not pressure you. We’ll help you make smart choices today that protect you tomorrow.

Let’s talk. We’d love the opportunity to earn your business, protect your family and answer your questions as you navigate the seasons of life.