I have just the place for YOU ..you can’t find cheaper auto insurance ANYWHERE!

• Get quotes in just minutes! Fast – Easy – FREE
• Compare multiple quotes at once and save time
• Want to save $500 or more? Enter your zip code!

You could save up to $598 on your auto insurance!

I have just the place for YOU ..you can’t find cheaper auto insurance ANYWHERE!

• Get quotes in just minutes! Fast – Easy – FREE
• Compare multiple quotes at once and save time
• Want to save $500 or more? Enter your zip code!

You could save up to $598 on your auto insurance!
Is it true that car insurance in Michigan costs more than any other state in America? I heard that from a guy at work yesterday.

It seems like my insurance is pretty high but I have had the same company for so many years I don’t really have anything to compare it to and I’ve never lived anywhere except Michigan

Also, if it is highest in Michigan, why would that be

Thanks

Lou

Detroit

Answer:

It is true that Michigan is one of the highest on the list for car insurance premiums. However if you do your homework and shop multiple carriers you can save money. Do your shopping online and by calling local insurance agencies to get the best rates.

admin

I have just the place for YOU ..you can’t find cheaper auto insurance ANYWHERE!

• Get quotes in just minutes! Fast – Easy – FREE
• Compare multiple quotes at once and save time
• Want to save $500 or more? Enter your zip code!

You could save up to $598 on your auto insurance!
Well, it is true that In Michigan automobile owners pay some of the highest auto insurance rates in the country. But the good news is (if you live in Michigan), there are at least 10 states that are more expensive to insure your automobile.

Here they are from the highest cost to the lowest (as of Dec. 2008):

1. Texas
2. Louisiana
3. Oklahoma
4. DC
5. Mississippi
6. Florida
7. California
8. Rhode Island
9. Alabama
10. Kansas

Michigan’s car insurance rates are a bit higher than average because of the harsh winters and sometimes hazardous driving conditions that come with those winters.

If you have never done a rate comparison by the way, you should re-evaluate their coverage needs at least every other year to see how rates have risen and fallen and which company is now offering the better deal. It will keep your current agent honest as well.

Get Up To 4 Car Insurance Quotes Here:

You could save up to $598 on your auto insurance!

I have just the place for YOU ..you can’t find cheaper auto insurance ANYWHERE!

• Get quotes in just minutes! Fast – Easy – FREE
• Compare multiple quotes at once and save time
• Want to save $500 or more? Enter your zip code!

You could save up to $598 on your auto insurance!

Ted

Currently, the minimum liability requirements for the state of Michigan are $10,000 for property damage; $20,000 for a single person’s bodily injury and $40,000 for bodily injury of everyone involved in an accident.

I must say however that it is always a good idea to get more coverage than state minimums, especially in this case. Those are pretty low requirements and another $100 or so a year can get you a lot more protection.

Of course, it is always better to get more coverage than what your state has stated as the minimum requirement.

Ron

Seattle, Wa

I have just the place for YOU ..you can’t find cheaper auto insurance ANYWHERE!

• Get quotes in just minutes! Fast – Easy – FREE
• Compare multiple quotes at once and save time
• Want to save $500 or more? Enter your zip code!

You could save up to $598 on your auto insurance!

Hello

I just wanted to let you know that your website helped me save some money recently.

I mistakenly thought that because of minimum requirements for auto insurance in Michigan that all of the insurance companies had to provide the same coverage to every driver at about the same rates. So I never bothered getting comparisons (my (ex)insurance agent is my wife’s friends’ husband).

I have found that getting quotes is definitely a good thing to do and I should have done it a few years ago. I came on your site about a week ago and did a quote comparison. I am now saving over $250 a year on my car insurance (3 drivers in the household). It was pretty easy and really fast.

Also, I have road side service on my new policy and my deductible is $250 less than it was with the company I have been with for 8 years. Thanks!

Stu

Ann Arbor

I have just the place for YOU ..you can’t find cheaper auto insurance ANYWHERE!

• Get quotes in just minutes! Fast – Easy – FREE
• Compare multiple quotes at once and save time
• Want to save $500 or more? Enter your zip code!

You could save up to $598 on your auto insurance!

We have posted this excellent article by James Hyder that lays out the requirements for auto insurance in Michigan and the best way to shop for the cheapest quotes: (admin)

Michigan auto insurance is a necessity for individuals who live in this state. There are minimum requirements that each person must carry in order to drive legally. The requirements are easily achieved if you consult a car insurance agency. This is the ideal approach to getting the coverage that you need in the state of Michigan.

Fortunately, the resources are easily accessed on the Internet. Instead of spending hours visiting insurance agents and making numerous phone calls, people are flocking to their personal computers to find the information that they need.

Requirements for Michigan Auto Insurance

The state of Michigan required drivers to have bodily injury and property damage coverage. There is a minimum requirement for each type of coverage for consumers to purchase. Of course, you can always opt for more coverage in order to make sure that you are very well covered in case of an accident. However, the minimum is all that is required to stay legal in the state.

Bodily injury and property damage pays in the event that you are found liable for an auto accident. In Michigan, drivers who have adequate coverage are protected from being sued unless there are special circumstances in the incident. This is contingent upon the driver’s financial responsibility in getting the proper insurance.

The minimum coverage in the state of Michigan is 40,000 dollars for bodily injury for two or more people and 20,000 for one injured person in one single accident. Property damage coverage is also required and the minimum is 10,000 dollars for each accident.

While this is all that is necessary to drive legally, it may not be enough coverage to adequately cover you in case of a serious accident. It is a very good ideal to get additional insurance to make sure that you are well protected in the case of an unfortunate incident while driving.

An example of additional insurance is Residual Property Damage Liability Insurance. This coverage pays up to one million dollars for damage incurred in an accident to other people’s property. If you hit a parked vehicle, fence or other structure, this coverage will pay for the damages. Not every accident involves two moving cars so this is an intelligent addition to any Michigan auto insurance policy.

Check Insurance Rates.org was founded to provide consumers with a quick/efficient way to [http://www.checkinsurancerates.org]check insurance rates nationwide. Now you can be certain that the rate you go with is the lowest available. You can compare home, health, auto and [http://www.checkinsurancerates.org/life-insurance.php]life insurance rates. Industry leading [http://www.checkinsurancerates.org/auto-insurance.php]auto insurance comparisons.

Article Source: http://EzineArticles.com/?expert=James_Hyder http://EzineArticles.com/?Michigan-Auto-Insurance-Policies&id=973646

I have just the place for YOU ..you can’t find cheaper auto insurance ANYWHERE!

• Get quotes in just minutes! Fast – Easy – FREE
• Compare multiple quotes at once and save time
• Want to save $500 or more? Enter your zip code!

You could save up to $598 on your auto insurance!

The author of this article, Scott Luntz, makes it clear what the basic requirements for car insurance policies in Michigan are. Keep in mind that every state is different and this may not be the same minimum requirements in your state:

If you need a Michigan car insurance quote but you’re not sure what to quote on, here are a few tips to get the right quotes and save money. This includes the minimum state requirements for auto insurance.

By law, Michigan requires that you purchase no-fault car insurance if you own a vehicle. According to Michigan’s official state Web site, they have the most comprehensive no-fault auto insurance system in the country.

With this system, vehicle owners and their families are provided with unlimited medical and rehabilitation benefits, wage loss benefits and $20 per day for replacement services for up to three years if injured in an auto accident — no matter who was at fault.

The minimum parts of a no-fault policy that must be carried on your vehicle are:

Personal Injury Protection, or PIP, which pays necessary medical costs if you are injured in an accident.

Property Protection, or PPI, which pays up to $1 million for damages your car does in Michigan to other property.

Residual Bodily Injury and Property Damage Liability Insurance, also known as BI/PD. This pays for defense costs and damages if you are found liable in an accident. The minimum limits you must purchase are:

Bodily Injury — $20,000 per person who is hurt or killed in an accident, and $40,000 per accident if several people are hurt or killed.

Property Damage — $10,000 for property damage in another state.

You can also increase your limits to provide more financial protection, and add optional coverages such as Uninsured Motorist and Comprehensive.

Since car insurance companies in Michigan charge different rates from company to company, one of the best ways to save money is to get several quotes. Provide the same information and request the same coverages for each quote in order to get the most accurate comparison.

Scott Lunt is a freelance writer with over 15 years experience writing about [http://www.loweryourinsurance.com/]car insurance. You can compare [http://www.loweryourinsurance.com/states/michigan-car-insurance.html]Michigan car insurance quotes and quotes for all other states, plus find more tips on saving on car, home, life, health and long-term care insurance at [http://www.loweryourinsurance.com/]LowerYourInsurance.com The site also includes a handy worksheet to help you when shopping for car insurance.

Article Source: http://EzineArticles.com/?expert=Scott_Lunt http://EzineArticles.com/?Michigan-Car-Insurance-Quotes-And-The-Minimum-Requirements&id=488771

I have just the place for YOU ..you can’t find cheaper auto insurance ANYWHERE!

• Get quotes in just minutes! Fast – Easy – FREE
• Compare multiple quotes at once and save time
• Want to save $500 or more? Enter your zip code!

You could save up to $598 on your auto insurance!

By [http://ezinearticles.com/?expert=Elizabeth_Newberry]Elizabeth Newberry

To get cheap car insurance in Michigan, you must first start with Michigan’s minimum car insurance requirements. After all, there is no reason to purchase cheap car insurance if it is not going to be deemed a legal amount of coverage.

With the exception of motorcycles and commercial motor vehicles, all cars in Michigan must carry no-fault insurance. You can not register your car in Michigan without first having no-fault car insurance. In a nutshell, no-fault insurance provides car insurance coverage for you, the policyholder. The other party involved is covered by his or her own car insurance company.

There are three kinds of car insurance coverage required by Michigan: personal injury protection (PIP), bodily and property damage (BI/PD) and property protection insurance (PPI). A car insurance policy in Michigan covering these three components is a basic car insurance policy.

None of these car insurance requirements provide insurance coverage in the event your car is damaged or stolen. In Michigan, you must purchase collision insurance coverage and comprehensive insurance coverage in order to insure your car in the event of damage or theft. Collision car insurance coverage provides coverage for damages to your car, while comprehensive car insurance coverage provides coverage for theft of your car or its components and contents.

Michigan drivers are able to get cheap car insurance when they opt to purchase only the PIP, BIPD, and PPI car insurance coverage requirements. Collision car insurance coverage and comprehensive car insurance coverage is not normally required of Michigan drivers unless they have borrowed money to purchase their cars and their lenders require those coverages.

Of course, there are many other ways to get cheap car insurance in Michigan without simply purchasing the minimum car insurance coverage requirements. Ask your car insurance company or agent about the various discounts for good drivers, good students, driver education course completion, and multi-line policies that they offer and whether you are eligible.

To get free quotes and learn more about insurance please visit the following
recommended sites. [http://www.ezquoteguide.com/car/]Michigan Cheap Car Insurance [http://www.myquoteguide.com/home-cheap.shtml]Get the best home owners insurance estimates and quotes in any state [http://ezquoteguide.com/car-cheap.shtml]This is our recommended provider of health insurance for New Mexico

Article Source: http://EzineArticles.com/?expert=Elizabeth_Newberry http://EzineArticles.com/?Michigan-Cheap-Car-Insurance&id=433318

I have just the place for YOU ..you can’t find cheaper auto insurance ANYWHERE!

• Get quotes in just minutes! Fast – Easy – FREE
• Compare multiple quotes at once and save time
• Want to save $500 or more? Enter your zip code!

You could save up to $598 on your auto insurance!

The Michigan Insurance Rate Reduction Initiative could be seen on the November 2010 ballot in Michigan State. This measure will propose lowering insurance premiums for good drivers by up to 20 percent in addition to a rolling rates back 20 percent. Also, this proposal, if given approval, will include some consumer protections.

In November 2009, the Board of State Canvassers voted 4-0 to approve the filed petition language. According to reports the petition’s summary reads:

“The purpose … is to protect consumers from unfair insurance rates and practices, to encourage a competitive insurance marketplace, to empower consumers with legal rights and to ensure that insurance is affordable for all residents.

This measure is being sponsored by a group known as “Fair Affordable Insurance Rates.” Kim Bowman, an aide to Sen. Hansen Clarke, supports this measure. Gov. Jennifer Granholm is also asking for a 20 percent cut in Michigan insurance rates.

According to supporters, the proposal would not only lower rates but “ensure that consumers are protected against unfair trade practices and will promote competitive, affordable coverage for everyone.”

Consumer Watchdog and the Consumer Federation of America argue that the ballot measure is similar to California Proposition 103 (1988), which was approved by voters. The measure, they said, “saved California drivers an average of $3 billion per year” by “creating an auto insurance market that is competitive, has low rates and protects consumers from abusive insurer practices.”

The Michigan proposed measure, they said, would prevent “price gouging” and “require insurers to base rates primarily on a motorist’s driving record rather than factors like their ZIP code or marital status.”

To get the best quotes for car insurance in Michigan, enter your zip code:

You could save up to $598 on your auto insurance.