Auto Insurance

Buying Discount Auto Insurance in Michigan Explained

To get discount auto insurance in Michigan you’ve come to the right place, but it’s best to understand Michigan’s minimum car insurance laws. After all, why try to find cheap car insurance in Michigan you’re not going to meet the minimum amount of coverage.

Discount Auto Insurance Michigan-No Fault

With the exception of motorcycles and commercial vehicles, all autos in require Michigan no-fault insurance. You cannot register your vehicle in Michigan without first acquiring Michigan no-fault car insurance. In a nutshell, no-fault insurance gives you coverage in case of an accident.  The other party involved will be filing a claim with his or her own car insurance no matter who is at fault.

Discount Auto Insurance Michigan-Types of Insurance

There are three types of car insurance coverage required by Michigan: Personal injury protection (PIP), bodily and property damage (BI   PD) and property protection insurance (PPI). A car insurance policy in Michigan covering these three components is a basic car insurance.

None of these insurance coverages provide insurance in case your car is damaged or stolen. In Michigan, you need to purchase collision insurance and comprehensive insurance to insure your car in case of damage or theft. Collision insurance gives you coverage for damage to your vehicle, while comprehensive coverage provides insurance against theft of the car or its components and contents.

Drivers are able to get cheaper car insurance in Michigan when they choose to purchase only the PIP, BIPD and PPI car insurance coverage requirements. Collision auto insurance coverage and comprehensive car insurance coverage is not normally required of Michigan drivers unless they have borrowed money to buy their cars and their lenders require this type of coverage which they do in nearly every case.

Discount Auto Insurance Michigan-Online Quoting

Of course, there are many other ways to get cheap car insurance in Michigan without simply purchasing the minimum car insurance requirements.  You may qualify for  various discounts for a good driving record, good student grades, driver education courses completed, and having more than one policy by the same company.

The single biggest way to make sure you’re getting the cheapest auto insurance in Michigan possible is to get 2-4 online quotes from competing companies for the same deductible and terms.  It’s fast and free with no commitment to purchase and when you do this, these competing companies will allow you to play with the variables to see how you can save even more.  Online quoting is by far the most popular way to save money on insurance because it’s not hard to save 10%-20% on your quotes and it’s tremendously more convenient than sitting in an insurance agent’s office.  Enjoy the savings.

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One Response to Buying Discount Auto Insurance in Michigan Explained

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