Before you begin your search for the best insurance rates in Michigan, you should first consider how much insurance coverage can be based on the cost of your car, how often you drive, and how many drivers who use the vehicle. A good starting point is Michigan's minimum insurance requirements & # 39; s. To hold a Michigan license plate and register, you must carry caps of 20/40/10. This means, you will need to bring in $ 20,000 personal injury liability for one person, $ 40,000 body injury coverage for all injuries in an accident, and $ 10,000 personal injury liability property.
Because Michigan has the eighth highest number of road drivers in the U.S. (7,065,438) and approximately 17 percent of these drivers are unsecured, most insurance companies and insurance departments The state recommends carrying a higher amount than the minimum amount. A minimum of $ 50,000 in uninsured / underinsured motorist coverage (UM / UIM) is also recommended. In total, the minimum recommended amount for auto insurance in the state of Michigan is $ 100,000 for bodily injury and $ 300,000 per accident. It is also the recommended cost in most states where minimum requirements are small.
Once you have established the amount that is enough to protect you and your family in the event of an accident, the next logical step is to buy and compare. The best way to market and compare is to contact around three auto insurance companies and request a quote. You can request a quote online, by phone, or by email.
Each time, you will be asked a series of questions. Even if online quoting systems are quick and easy, they often ask the same questions that a living representative will do. A lively representative can attend all the discount opportunities offered by the auto company. Typical discounts include safe driver discounts, discounts for older drivers, car-pool drivers, car homes, multi-policy discounts, antitheft devices, and seatbelts and airbags. You can qualify for more than one discount to help lower your premium.
After reviewing your quotes, select the best policy based on protecting the price first and second. If you target the corners of the corner, you can pay thousands of dollars out of pocket if you have a serious collision. In addition, the state of Michigan must purchase a car insurance policy through an insurance company licensed to sell state-of-the-art insurance. If you are purchasing an insurance policy from an unlicensed, non-state auto insurance company, the state of Michigan will not be honored.