Cheap Michigan Auto Insurance

Saving money has become increasingly important for most people in the country, as it certainly is getting a little tight these days. Another way a person can cut down on expenses is through saving on their car insurance policy. Fortunately enough, our free quote tool can match you with any number of cheap policies for auto insurance in Michigan. Give us a try – you won’t be disappointed!

If a person is going to find a cheap Michigan auto insurance policy, understanding the law and how companies operate is a great start. The state of Michigan is a Tort state, meaning that if the state declares an individual as the cause of an accident, the named person will be required to pay all the damages which result from the accident they caused. This will include all medical bills and vehicle repairs. For this reason, insurance companies may encourage you to purchase more than the minimum auto liability insurance required by the state of Michigan. If a car is financed, you will most likely be required to carry comprehensive and collision coverage on the vehicle. Failure to do so in the state of Michigan can be considered as a default of insurance coverage on your part.

Insurance companies in Michigan do not have to cover members of your household if they are not listed on the policy. Even though you do not have to list everyone on the policy, the company may request it. If you do not comply with the company’s request, they can deny the claims on any persons not included on the policy. And if they’re driving the vehicle and you happen to file a claim, it doesn’t particularly matter if you have a cheap auto insurance policy in Michigan or not – this can prove to be quite expensive.

Also, the insurance company is allowed to check out your personal credit history when offering you insurance and setting your premium rates. They may also look at your driving record, age, and the area where you live. Maintaining a good driving record and paying your bills on time will reduce your premiums.

The average insurance premium in Michigan as of 2006 is approximately $925.00 and the state is ranked as the 13th most expensive for insurance premiums in the nation, which generally doesn’t count as a cheap car insurance policy. Even still, there are still litanies of ways to obtain cheap auto insurance in Michigan, as there are 22 state approved insurance companies.

Things that can help you reduce the cost of your insurance premiums include a clean driving record, the type of vehicle you choose to drive as well as the number of miles you drive per year. The fewer miles you put on your vehicle each year, the lower your chances are of being involved in an accident, something to especially take note of if you’re looking for the best cheap Michigan auto insurance.. Furthermore, a clean driving record reduces your risk of an accident.

As one would expect, it will be more expensive to insure a luxury car or a sports car. You should also keep in mind that insurance premiums will be higher on vehicles which are a high priority for thieves. Although not impossible, it’s sufficiently harder to obtain cheap auto insurance for these vehicles. The cars that made the top 10 stolen vehicles in Colorado are:

1. 1994 Dodge Caravan
2. 1994 Honda Accord
3. 1991 Toyota Camry
4. 1996 Ford Taurus
5. 2000 Honda Civic
6. 2000 Dodge Intrepid
7. 1996 Jeep Cherokee/Grand Cherokee
8. 1994 Plymouth Voyager
9. 1997 Ford Crown Victoria
10. 2001 Dodge Stratus

Even if you do drive one of these vehicles, all is not lost on your hunt for cheap auto insurance in Michigan. Safety devices such as anti-lock brakes side air bags, automatic seat belts and daytime running lights may also reduce your premiums along with ant- theft devices like an alarm system and global positioning systems. Parking your car in a garage or secured area is another way to reduce your premiums. Where you live will affect your insurance rates which can be affected by weather extremes, high theft risk, and high traffic patterns.
Don’t forget to maintain a good credit record as the insurance company looks at this to determine how likely you are to pay your premiums on time. Prior accident claims will also be a red flag to insurance companies especially if there are several claims on your past record, making it harder to obtain cheap Michigan auto insurance. The amount of your deductible is also a key factor when determining insurance rates. The higher your deductible is, the lower your insurance rates will be.

Even if you may have a few things working against you, we can still help with our free quote tool! We’ve connected people, regardless of their history or vehicle, with some fantastic quotes from top-tier companies in the industry. If you’re looking for some relief on your next policy – we’ll supply it.

Useful links:
Michigan Division of Motor Vehicles
Michigan Division of Insurance
Michigan Department of Revenue

Bodily Injury Liability Per Person: $20,000.00 Limit
Bodily Injury Liability Per Accident: $40,000.00 Limit
Property Damage Liability Per Accident: $10,000.00 Limit
Optional PIP: $1,000.00 Limit

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