Michigan Car Insurance Quote
Before buying your insurance coverage you may be interested to know that the average insurance rate for those who live in Michigan in 2003 was $1,080 while the national average was just $914. Unfortunately, many people think that the rates that they pay in Michigan are fixed rates, they paid these car insurance rates without questioning them, but you shouldn't do this! Now, you can go to QuoteCarInsurance to get the most competitive car insurance rates in the business for those who live and drive in the state of Michigan. Why pay more than you have to?
While rates have been high for Michigan residents in the past, there is good news. 2007 has given residents the first decrease in rates since 1999. Many residents have experienced a .5% to 1% decrease in their car insurance rates from their 2006 rates. QuoteCarInsurance has helped to bring these savings to you simply by bringing all of the information straight to you! While rates have decreased, the fact is that the state saw a 28.42% in car insurance rates since 2000, which means that too many people were simply paying too much for their coverage. You can ensure that you are saving on your premiums by coming here to InsurangeAuto.org and comparing the rates for yourself.
When purchasing car insurance in the state of Michigan you should be aware that there are minimum state insurance requirements. First, you should know that Michigan has what is called a no fault system, which means that each persons insurance company will make payments for the claims of their customer up to a certain amount, regardless of who was actually at fault for the accident or injuries. If you have lived in another no-fault state you shouldn't simply assume that the details of Michigan's no fault system are exactly the same as the details often vary from state to state.
When you purchase the minimum car insurance coverage for the state of Michigan you will purchase bodily injury liability coverage of $20,000 per injured person for a total of $40,000 per accident, and property damage liability coverage with a minimum limit of $10,000. To keep things simple the coverage is often referred to as 20/40/10.
In addition to the minimum required car insurance you may also want to consider some optional coverage. The optional coverage that is worth considering is additional personal injury protection coverage, or PIP, which will help you pay for necessary medical expenses for yourself and your passengers. In addition it may be a good idea to purchase uninsured motorist coverage which will cover any bodily injury that is caused by an uninsured driver.
Whether you have a great driving record or you have been in a few accidents you will find it very simple to get rate quotes here at QuoteCarInsurance and even purchase your policy. Instead of calling around for quotes from several different sources you can not get all of the information you need in the same place. This is the best way to make sure that you get the most affordable quality coverage in the most straight forward way.