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Michigan Auto Insurance

Michigan auto insurance is not a fun thing to shop for, however everyone in the state must do it sooner or later. There are things you can do to make sure you get the best policy possible for your Michigan auto insurance needs, like shopping around and comparing what is on the market.

In addition, when you take the time to learn about Michigan auto insurance, you will have no trouble finding the best coverage at the best price. Plus, you can use online quote tools like the one above to make your experience as painless as possible.

Michigan No-Fault Auto Insurance

Michigan’s auto insurance system is different than most states because it is a no-fault system. Basically that means that as long as you have insurance you will receive unlimited medical coverage and other benefits, no matter whose fault the accident is. There are only certain distinct cases where fault must be determined. Michigan is said to have the best no-fault system in the entire country.

It is required to carry no-fault coverage in the state of Michigan. The coverage comes in three parts:

  1. Personal Injury Protection (PIP): This is the part of the policy that takes care of your entire medical and rehabilitation expenses, wage replacement for 3 years and a per diem for service replacement if you are involved in an accident.
  2. Property Protection: This pays for any damages you do to another’s property in a motor vehicle accident. It does not cover the other person’s car unless it is correctly parked at the time it is damaged.
  3. Residual Bodily Injury and Property Damage Liability Insurance: This covers you in case you are found at fault in certain situations, such as being involved in a car accident in an at-fault state or if the accident in Michigan involves very serious injury or death.

Minimum liability requirements for this type of auto insurance are only $20,000 bodily injury liability per person per accident, $40,000 bodily injury per accident in total and $10,000 property damage liability. Many people increase these amounts in order to give themselves more protection, in case of being sued.

Other Michigan Auto Insurance Coverage Options

Because the no-fault system is primarily concerned with medical costs and maintaining your income in case of being injured in a car accident, you may need to further investigate other types of coverage to protect your vehicle. The types of Michigan auto insurance that may interest you include:

  • Collision: This coverage pays for repairs to your car or replacement of it, in the case of an accident. In an at-fault state like Michigan it is even more important to carry this coverage because you never know when you may be involved in an accident and because there is no fault determined, you will be stuck paying the repair costs yourself. If your vehicle is financed, the lending company will require you to carry this type of coverage.
  • Comprehensive: This covers replacement or repairs of your car when it is damaged by things that are not related to a motor vehicle accident, such as theft, vandalism, wind damage or fire. This is also a type of coverage required by lenders.

Michigan Auto Insurance Companies

There are more than 65 car insurance companies serving Michigan. Some of the most well known ones include:

  1. Nationwide
  2. Allstate
  3. State Farm
  4. American
  5. Farm Bureau
  6. GEICO
  7. Hartford
  8. Liberty Mutual
  9. Metropolitan
  10. Progressive

Before you make the decision to change insurance companies, be sure to thoroughly investigate the company. Check on their customer service policies to make sure they treat their customers well and deal with claims quickly. Check with one of the independent insurance rating companies, like A.M. Best or Moody’s to see how financially stable the company is also.

Michigan Auto Insurance Quotes

When you are ready to look for price quotes for your Michigan auto insurance policy, the place to start is with a free online quote tool. It will provide you with multiple quotes from insurers in your area. It takes very little time and can be accessed any time of day or night.

Get started now with your Michigan auto insurance quote by returning to the top of this page and entering you zip code to begin. In no time you will have the quotes you need to begin comparing what is being offered in car insurance in your area of Michigan.

Compare free Michigan car insurance quotes online now!

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