auto insurance buyer's guide for michigan

Learn What Drives Your Rate

It starts with you. Your application for a quote begins with basic questions about you and others who will drive your car regularly: age, sex, marital status, driving record, and the details about the cars you drive. Why so many questions? Who you are tells an insurer plenty about how you'll drive - and how likely it is you'll have an accident. Plus, many discounts are based on your answers, so the more you share, the more you save.

Before you buy a policy, your company will verify the personal information you provide using public sources, such as your motor vehicle report, your credit report and your claims history.

Where You Live Matters

Detroit is #1. It's the most expensive city in the country for auto insurance, and Michigan ranks 13^th overall for the cost of insurance. Why? Some say it's the no-fault system, or the crime rate in the cities. And, Michigan has more mandatory coverages than most states, so buying just the minimum will cost more than it does in neighboring states. All good reasons to compare rates annually.