insurance finder

Get Cheap Car Insurance in Michigan

Treading the path of cheap car insurance in Michigan is like walking a steep hill or more accurately, a labyrinth of dead ends. Michigan is one of the states in the US that consistently maintained its position for the highest average car insurance premiums for several years. On average, you will find prices spiking around $2500 meaning that the lowest possible rates is a lot higher compared to other states. There are several compounding reasons that affect the steep auto insurance quotes in Michigan and why it is so difficult to get cheap insurance.

First, state regulations for auto insurance in Michigan are pretty stiff in the state of Michigan. The rates cannot be considered too high as long as there is competition present among insurance companies. At the moment, there are 65 companies “competing” in Michigan. Theoretically, the competition for car insurance in Michigan should be fierce since there are lots of companies offering car insurance quotes in Michigan. But of course, there are some factors that further amplify this apparent holy grail of Michigan auto insurance. It is also mandatory in Michigan for drivers to get no fault auto insurance.

Though the idea for no fault auto insurance seems promising since both parties have to pay anyway for the repairs of each other’s cars due to accidents that might not be too helpful with the next year’s premiums. Upon renewal, if you have been affected by an accident and you were not at fault, the premium rates would still go high. Although accidents in which you were not at fault would have been resolved easily, being in a mandatory no fault policy still makes you vulnerable for a premium increase so instead of getting cheap auto insurance in Michigan, you end up shopping and trying out new insurance to escape the high insurance increases.

So what are your options if you are serious in getting car insurance? First, you have to ensure a clean driving record with no accidents or incidents related to your car getting hit, or dented, or vandalized. Another big risk that you have to face is the injury costs. In Michigan, there is guaranteed personal injury protection so if you caused bodily injuries to another driver or pedestrian, expect that you have to pay for medical services, rehabilitation and in certain cases, lost income and replacement services.

The cheap auto insurance in Michigan is not far from fantasy, though. While you might feel uneasy trying to secure good quotes, you still have to try and search for a good one. The more important aspect to consider is the kind of coverage you are getting. While it is easy to get frustrated with the prices, we know that if we do not get the right coverage, we might end up with more worries. Begin your search now for cheap Michigan car insurance. Select your state and receive auto insurance quotes in Michigan from top insurance companies in your location.