People living in Michigan are paying some outrageous prices on car insurance and getting sick of it. If your reading this, then your probably one of the many that feel the pain of your Michigan auto insurance rates. There are some things to know about auto insurance in Michigan in order to get the best value.
The first thing to consider is that Michigan is the only state that has unlimited medical coverage if your hurt in an auto accident. Michigan’s PIP is pretty much the most expensive part of your policy in most cases and can rack up a big portion of your monthly bill. The key to saving here if possible is to coordinate your medical coverage with your personal health insurance policy. The way to do this is to call the 800 number on your health insurance card (if you have health insurance) and see if they coordinate with auto insurance in Michigan. If they do, make sure you request quotes with coordinated medical coverage. This should save you a few hundred dollars per year.
The next thing to consider is carrying basic, or standard collision coverage. This coverage means that you pay the pre-determined deductible amount no matter who is at fault in an accident. This is an excellent way to save some money on your car insurance and in some instances you can get the deductible back from the other person. The case that you have to pay the deductible is in a hit and run instance where there isn’t anyone to go back on with the mini tort. Michigan has a mini tort provision where you can claim up to $500 on the other person in the event that they are found more then 50% at fault in an accident.
Now that you know a couple of the reasons that Michigan insurance is so expensive, you can focus on the fact that it doesn’t have to be. Make sure you apply the first two steps that we pointed out and then make sure you get multiple quotes online. Using a source like-Auto Insurance Quotes Michigan, will get you great rates from some top carriers!
Use a little due diligence and shop around and you don’t have to pay high Michigan auto insurance rates! The key is to get multiple quotes, know what your looking for and compare some higher deductible options and your good to go! Good luck finding your next Michigan auto insurance policy.