| Before you begin your search for the best Michigan | | | | step is to shop and compare. The best way to shop |
| auto insurance rates, you should first consider how | | | | and compare is to contact around three auto |
| much insurance coverage is sufficient based on the | | | | insurance companies and request a quote. You can |
| value of your vehicle, how often you drive, and how | | | | request a quote online, by phone, or via email. |
| many drivers will be using the vehicle. A good starting | | | | In each instance, you will be asked a series of |
| point is Michigan's minimum auto liability insurance | | | | questions. Although online quoting systems are quick |
| requirements. In order to maintain a Michigan license | | | | and convenient, they don't always ask the same |
| plate and registration, you must carry coverages in | | | | questions that a live representative will. A live |
| the amounts of 20/40/10. This means, you must | | | | representative can go over all of the discount |
| carry $20,000 bodily injury liability for one person, | | | | opportunities the auto insurance company has to |
| $40,000 bodily injury liability for all injuries in one | | | | offer. Common discounts include safe driver |
| accident, and $10,000 property damage liability. | | | | discounts, discounts for mature drivers, car-pool |
| Because Michigan has the eighth highest number of | | | | drivers, multi-car households, multi-policy discounts, |
| drivers on the road in the U.S. (7,065,438) and | | | | antitheft devices, and seatbelts and airbags. You may |
| approximately 17 percent of these drivers are | | | | qualify for more than one discount which could help |
| uninsured, most insurance companies and state | | | | bring your premium down. |
| insurance departments recommend carrying higher | | | | After reviewing your quotes, choose the best policy |
| amounts than the bare minimum. A minimum of | | | | based on protection first and price second. If you cut |
| $50,000 of uninsured/underinsured motorist coverage | | | | corners on coverage, you could end up paying |
| (UM/UIM) is also recommended. Overall, the minimum | | | | thousands of dollars out of pocket if you are |
| recommended amounts for auto insurance in the | | | | involved in a serious collision. In addition, in the state |
| state of Michigan are $100,000 for bodily injury and | | | | of Michigan you must purchase an auto insurance |
| $300,000 per accident. These are also the | | | | policy through an insurance company that's licensed |
| recommended amounts in most states where | | | | to sell auto insurance in the state. If you purchase an |
| minimum requirements are low. | | | | insurance policy from an unlicensed, out-of-state |
| Once you have established an amount that is more | | | | insurance auto insurance provider, the state of |
| than enough to protect you and your family in the | | | | Michigan will not honor the policy. |
| unfortunate event of an accident, the next logical | | | | |