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Tips for Collecting Auto Insurance Quotes in Michigan

Tuesday, March 2nd, 2010

When looking at Michigan auto insurance quotes, there are a few things to bear in mind. The state of Michigan operates under a “no-fault” system, which limits drivers’ ability to sue each other for damages and leaves most of the monetary disbursement in the hands of insurance companies. However, many no-fault policies will pay only for the other vehicle’s damage, and not those suffered by the owner. It is therefore worth shopping around to see which auto insurance company can provide the best coverage for the money spent.

The state of Michigan also requires that drivers carry $1,000,000 in property protection insurance, which will pay out if a driver causes damage to another person’s property. This cost is largely in place to off-set the amount of settlements which would be obtained if the state operated under a “tort” system, or one in which one of the drivers must always be deemed responsible for the accident. As well, Michigan mandates that insurance companies provide drivers with personal injury protection (PIP) for both medical costs and loss of work. This coverage pays out to the policy holder if they are hurt in an accident and require medical treatments, or can no longer work. PIP coverage will pay out a fixed amount over time, but amounts vary widely between insurance companies. Be sure to ask what the PIP limits are on any policy quote obtained online or by phone as Michigan does not mandate how much PIP insurance is required to cover, only that it be in place.

As well, the state requires that motorists carry $20,000 worth of coverage for injury to a single person in an accident (other than the policy holder) and $40,000 for all people injured. In addition, $10,000 of property liability is required, which is separate from the $1,000,000 mentioned previously. From a liability perspective, Michigan’s requirements are actually quite low when compared to the rest of the nation, however their extremely high property protection limits more than offset this cost. Uninsured and underinsured motorist coverage, which protect a driver against someone with limited or no insurance, are not a requirement in this state, but should be considered as a very valuable add-on option, as they can safeguard a driver against a serious injury with no payout.

All auto insurances quotes in Michigan will abide by the basic standards, but with no specified limits for PIP, collision or comprehensive coverage, a basic auto insurance quote may leave a consumer stranded in a time of need. Be sure to get details on the policy and consider add-ons of high value such as increased PIP limits or collision coverage before committing to any purchase.

Michigan County Offers Driver’s Safety Class to Reduce Auto Insurance Premiums

Wednesday, October 28th, 2009

Counties and municipalities across the United States are turning to a wide variety of measures to help reduce auto insurance premiums. This makes sense; the economy is still struggling. However, when insurance rates rise too high, it causes drivers to drop their auto insurance as they struggle to pay their other bills. This isn’t good news for anyone. Motorists who drive without insurance are breaking a state law and can face serious fines if caught without coverage. In addition, insured drivers then struggle to collect any payments should they get into an accident with an uninsured driver.

Uninsured drivers are likely to become an increasing problem for most states. A study released earlier this year by the Insurance Research Council said that thanks in part to the bad economy, one in six drivers in the United States will be uninsured by 2010. The problem of uninsured drivers varies from state to state. According to the research council, the five states with the highest percentage of uninsured drivers in 2007— the last year for which data is available — were New Mexico, with 29 percent; Mississippi, 28 percent; Alabama, 26 percent; Oklahoma, 24 percent; and Florida, 23 percent. In addition, according to the Insurance Research Council, the number of uninsured motorists rises when the unemployment rate is high.

There are ways, though, for states and counties to help drivers reduce their auto insurance premiums, encouraging them to keep their auto insurance current. Isabella County in Michigan is one of the counties taking a proactive approach.

Motorists pay lower Michigan auto insurance premiums when they drive safely. Most auto insurance companies give drivers significant discounts when they go a certain amount of time without racking up a speeding ticket, moving violation or serious accident. Teen drivers, too, can qualify for significant safe-driver discounts. Officials in Isabella County understand this, and they’re doing their part to make sure that motorists in their county do qualify for these safe-driving discounts.

According to the Saginaw News in Michigan, in late October, Isabella offered motorists a driver’s safety class that focused on basic driving skills and techniques. The county’s sheriff is quoted in the story as saying that the class was designed to both refresh motorist’s driving skills and reduce the amount of traffic crashes in the county. Many auto insurance companies offer reduced auto insurance premiums for those that complete one of these classes. Such classes may become an important tool for states looking to reduce the number of uninsured drivers on their roads.

So, if you’re looking for ways to reduce the cost of your auto insurance, consider looking into the many discounts your auto insurer can offer you.

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