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Step 1. Understand What Factors Affect Your Rates
Be a smart insurance consumer. Each Michigan insurance company offers different rates, discounts and payment plans, but they all start with the basic facts - who you are, where you live and what you drive. Many companies will ask about previous claims and traffic tickets, annual mileage, where you car is garaged, and even your education and occupation. Lastly, the limits and deductibles you choose and the safety features of your cars contribute to your rate.
Drivers With No Accidents |
VS. |
Drivers With 2 or More Accidents |
Average rate increase = $1,000 |
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Step 2. Decide How Much to Buy
Choose your coverage with confidence. In a no-fault state, the minimum limits are a good start. But, if you recently bought a home, and haven’t changed your policy limits since you were in college, it’s time to increase your residual liability limits. We recommend you start by comparing rates for the coverage you have today and then get quotes for additional coverage to understand the trade-offs.
Michigan: The 12th Most Expensive
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8. Nevada |
Source: Insurance Information Institute
Step 3. Shop Smart and Save
Comparison quotes lead to savings. With some of the highest rates in the country in Michigan, even a 10 percent savings can add up to hundreds of dollars annually. Many insurance companies adjust their rates annually, so it’s a good idea to compare your own rates every year. Insurance.com provides a quick way to check for new rates from top Michigan auto insurers, including Liberty Mutual, Progressive and Safeco.Get Quotes From These Top Michigan Companies
Step 4. Learn How Auto Insurance Really Works
We’ll help you navigate your policy, so you can understand Michigan’s mandatory and optional coverages before you shop for insurance. Insurance companies calculate your rate based on your driving record, your credit history and your claims history.Once you answer these questions, we give you comparison auto insurance quotes from the Michigan companies we quote.
It’s fast and it’s free. You save time and money by shopping efficiently and objectively. Ready to take the first step to savings?
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