Michigan Car Insurance

Cheap Auto Insurance Rates and Quotes Online For MI.

When looking to find the best auto insurance, you want to shop around to ensure you are getting the best deal for your pocket. This can be made easy if you are aware of the Michigan auto insurance state laws. It is important to know that it is a necessity to have insurance when driving an automobile in that state of Michigan. 

The first type of auto coverage that is required for purchase in the state of Michigan is Bodily Injury Liability. The minimum amount of money per person is $20,000 and has a limit of $40,00 per auto accident. Next there is Property Damage Liability which offers a limit of $10,000. Michigan insurance coverage offers up to $1,000,000 Property Protection. The unique thing about Michigan auto insurance is that your insurance company will make payments for an injury, regardless of who is found at fault for the accident. Michigan is the only state where unlimited medical rehabilitation for a maximum of three years after the auto accident. The people involved in an auto accident are not allowed by the law to sue the driver at fault, unless someone was killed in the accident.  

The average national premium is $1,790, while the average premium for the state of Michigan is  $2,268. Michigan’s average premium is a lot more expensive than the nation’s, and this is because of the state’s unique auto insurance policies listed above. Even though the price is pretty high, there are ways to make sure you are getting the best possible rate. If you live in a place which is highly populated, your premium is going to be more than if you live in a less populated area. Those living in Detroit are going to pay more than those living in Dearborn because, more people means more car accidents in that area. Even the type of car you drive can affect how much your premium will be. For example, insuring a 1996 Dodge Caravan is going to cost you more because it is the most stolen vehicle in the state of Michigan, which makes it more likely that you will have to file a claim. 

The state of Michigan requires that you purchase auto insurance, and it can cost you a lot more to drive without it. Auto insurance can be affordable as long as you are smart about the laws of your state!