It's easy to save on Michigan car insurance quotes if you have a good driving record and follow a few tips.
Even if you have a bad driving record you still may be able to lower your insurance costs.
Michigan is a no-fault state, meaning you must get that type of protection if you are a car owner.
You'll need to get the minimum requirements for Personal Injury Protection, Property Protection, Residual Bodily Injury and Property Damage Liability Insurance.
Bodily Injury minimums are $20,000 per person, and $40,000 per accident if several people are injured.
Property Damage minimum is $10,000 for property damage in another state.
Of course, these are minimum requirements and it is recommended to increase your limits for added financial protection.
You should get several quotes.
Car insurance rates in Michigan -- like in many other states -- will vary from one company to the next.
This is because each company may have different underwriting policies, and may cater to different types of drivers.
Thus, you could save hundreds just by shopping around.
When you request quotes, provide the same information to each company or agent about the deductibles and coverages you need so you can get an accurate comparison of overall costs.
You can also see what the difference in costs are between different limits of liability coverage, and different deductibles.
Though increasing your limits may increase your costs, increasing your deductibles can actually lower your costs a lot.
An easy way to do this is to go online to either each company's Web site or to a site that provides several comparison quotes at once.
Also, take advantage of any discounts available.
For example, just insuring your home and auto on the same policy can save you 5 percent or more on your premium, depending on the company (another good reason to shop around).
And if you drive less, are a senior, a teenage student with good grades, have anti-theft protection and more you could cut your premiums.