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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

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This is one of the top rated articles on the internet regarding car insurance in Michigan. You will benefit greatly from the information here if you are trying to get the lowest cost and best value for car insurance in Michigan: (admin)

According to Michigan’s Department of Labor and Economic Growth, there are a plethora of ways to obtain cheap car insurance in Michigan – most of which apply to any car insurance company in Michigan from which you choose to purchase your cheap car insurance.

The factors to help you get cheap car insurance in Michigan range from past, present, and future actions by you as a driver in Michigan.

Past

You may be eligible for a long-term policyholder discount if you have been with the same cam insurance company for a specific period of time. If you haven’t had any traffic violations or accidents for a specific period of time, you may also get a cheap car insurance rate in Michigan. Also, if you have a degree past high school, or have maintained a certain grade point average for a specific period of time, you may be offered discounts on your Michigan car insurance.

Present

If you belong to an approved organization, currently have a good credit score and credit history, have no youthful drivers on your policy, pay higher deductibles, and have only purchased the minimum collision coverage, you’re likely to get cheap car insurance in Michigan. Other factors include your age and income. Drivers over the age of 65, and drivers of low-income families, are eligible for cheap car insurance in Michigan, too.

Future

If none of the above applies to you, there are changes you can make to get cheap car insurance in Michigan. Consider combining your car insurance policy with an insurance company from which you purchase another insurance policy, such as your homeowner’s insurance policy, or insure more than one vehicle on the same car insurance policy. Practice safer driving, take a driver education course, and work on repairing your credit score. Making sure your car is as safe as possible and always wearing your seatbelt are additional ways to get cheap car insurance in Michigan.

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Don’t click away from this page….I know you are looking for CHEAP 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!

We selected this article by Marie Wakefield because it is one of the best articles we have found that lists the requirements for auto insurance policies for drivers in Michigan. Great article! (admin)

No-fault insurance is required by law in Michigan. Every auto owner must purchase certain basic coverages in order to register a vehicle in Michigan. It is against the law to drive, or let your car be driven, without no-fault insurance. The basic no-fault policy has 3 parts:

1) Personal Injury Protection (PIP)

If you are injured in a car accident, this part of your no-fault policy will reimburse all of your medical costs. It will also pay, up to a maximum amount, for the earnings you would have made if you had not been injured, for up to three years.

In 2007, the allowed amount under no-fault was $4,589 per month. If you are killed in an accident, your policy will pay your family up to the monthly amount for three years, based on what they would have received from your earnings and fringe benefits. You may also be entitled to up to $20 per day for replacement services, such as housekeeping, that you are no longer able to provide for yourself or your family because you are injured.

You may synchronize PIP coverage with any health or disability policy you have (except Medicaid, Medicare or a Medicare supplemental policy) to reduce your PIP premium. The health or disability plan then becomes the primary payer for medical or wage loss expenses, and the auto policy would cover remaining medical or wage loss expenses. These coverages are also called excess medical and excess wage loss.

2) Property Protection Insurance (PPI)

In Michigan, no-fault will pay up to $1 million for damage your car does to other people’s property, such as buildings and fences. It will also reimburse for damage done to other people’s properly parked vehicles.

3) Residual Liability Insurance Bodily Injury and Property Damage (BI/PD)

The no-fault law protects insured persons from being sued as the result of an auto accident except in certain special situations. These are some of the circumstances under which you could be sued:

One, if you cause an accident in Michigan in which someone is killed or seriously injured.

Two, if you are involved in an accident in Michigan with a non-resident who is an occupant of a motor vehicle not registered in Michigan.

Three, if you are involved in an accident in another state.

Four, you can be sued for up to $500 in damages to another person’s car, which is not covered by insurance, if you are 50% or more at fault in the accident.

A Michigan required no-fault policy will pay up to your coverage limit amounts if you are sued or are legally responsible for damages in these situations.

The minimum required Residual Liability Insurance Bodily Injury and Property Damage coverage limits are:

Up to $20,000 for a person who is hurt or killed in an accident.

Up to $40,000 for each accident if several people are hurt or killed.

Up to $10,000 for property damage in another state.

These limits are often called 20/40/10.

Courts sometimes award more than these amounts. If this happens, you would be responsible for paying the amount not covered by your policy. To look after themselves, many people buy extra liability insurance.

There are some optional insurance coverages you may wish to consider. Michigan state law does not require that these be purchased-

Collision Insurance which pays for repairs to your car when it is damaged in a crash, Comprehensive Insurance which pays for your car if it is stolen or for repairs if it is damaged by falling objects, fire, flood, vandalism, or collision with an animal, and Uninsured Motorists Coverage which covers you if an uninsured motorist seriously injures you or a member of your family.

An eligible person for auto insurance is a person who has a car registered in Michigan or has a valid Michigan driver’s license. However, there are times when a company can refuse to insure you.

You can be denied car insurance if:

-you are not required by law to have no-fault insurance.

-your driver’s license is suspended or revoked.

-within the past five years, you have been convicted of attempting to defraud an insurance company, or have been denied payment of a claim over $1,000 because there is evidence of fraud on your part.

-within the past three years, you have been found guilty of a felony with a motor vehicle, driving under the influence of alcohol or drugs, failing to stop at the scene of an accident, or reckless driving.

-the car you want to insure does not meet Michigan safety requirements.

-within the past two years, your auto insurance has been canceled because of non-payment of premium. This can be waived if you pay the entire premium on the policy you are buying in advance.

- the insurance you would like to buy requires you to be a member of a group, club or organization and you are not a member of the group or do not join the club or organization.

-your driving record has more than the allowable number of “eligibility points.”

-you do not meet the requirements of a company’s underwriting rules.

Insurance Eligibility Points

Insurance companies assign insurance eligibility points for certain traffic violations.

These points are not the same as points on your official driving record. You can be turned down for auto insurance if you have seven or more eligibility points from violations within the past three years.

How insurance companies assign eligibility points:

-Driving more than 15 mph over the speed limit (careless driving) – four points

-Driving 11-15 mph over the speed limit – three points

-Driving 15 mph or fewer over the speed limit on freeways that used to have a maximum speed limit of 70 mph – two points

-Other moving violations – two points

-The first accident in which you are more than 50% at fault – three points

-The second and all following accidents in which you are more than 50% at fault – four points

Company Guidelines

Insurance companies also use certain guidelines, called underwriting rules, to help determine whether they will insure you. These rules may be different for each company, but each company must apply its rules in the same way to everyone.

Ineligible Persons

If you find you are not eligible for auto insurance, you may want to ask your agent to apply to the Michigan Automobile Insurance Placement Facility for you. The Facility was created to offer insurance to those persons who have difficulty finding insurance through regular companies. Any licensed agent can help you apply for insurance through the Facility.

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Article Source: http://EzineArticles.com/?expert=Marie_Wakefield http://EzineArticles.com/?Michigan-No-Fault-Automobile-Insurance-Basics&id=1412575

Don’t click away from this page….I know you are looking for CHEAP 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!

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.

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In Michigan, just like any other state, car insurance is not optional. Here the author gives some of the best ways to get the best value for your car insurance dollar in the Michigan area: (admin)

If a vehicle is registered in the state of Michigan, car insurance is required. This is the law and there are serious consequences for anyone caught driving without insurance. The fine itself ranges from $200 to $500 and depending on the circumstances and history of the offender they could be facing time in jail. Instead of tempting fate, doing a little legwork to save money and get discount car insurance in Michigan is advised.

Each driver feels comfortable with different levels of coverage. One factor that plays a part in determining how expensive car insurance is involves the make and model of the vehicle. Some cars just cost more to insure because they pose more of a risk for theft. A good rule of thumb is to call several insurance companies for quotes on each vehicle you are considering buying before you finalize the purchase. This way you can determine which car is the best value for your insurance dollar.

Most insurance companies in Michigan will offer a discount for multi-vehicle policies. If your spouse, partner, or child lives with you and they own and drive a vehicle that is already insured by another company, inquire about adding your vehicle to that policy. There’s a good chance that you’ll secure a reasonable rate and in addition, your family member’s insurance will drop too. The more cars you have on a policy, the lower the cost per car will be. So try and arrange one discount car insurance policy that covers everyone as this is the best way to save money.

It goes without saying that being a careful driver is also vitally important. For each speeding ticket you receive and each accident you are involved in, you can expect your insurance costs to rise. Try to be vigilant about paying attention to the road at all times, if you want to keep your insurance costs low.

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Don’t click away from this page….I know you are looking for CHEAP 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!

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