The michigan auto insurance quote given to most people is about the same as the average for the country. As with all states there are metropolitan areas where the rates are slightly higher because of the increase in crime. Every state has its own regulations regarding the amount of coverage a vehicle is required to have.
Michigan requires vehicles to be insured for liability. This is to protect the physical body and vehicle body of the other person if you are involved in an accident. In Michigan this coverage needs to be for at least twenty thousand dollars for basic liability. There is also the amount you need to have for bodily injury and for damage to property.
Even though people are not required to carry comprehensive, the cost of a policy can still be quite expensive. You could save money by finding companies who offer special discounts. The type of vehicle you drive the most can increase your payments. There are some models that have a higher rate for being stolen than others. Equipping your car with safety features and anit-theft devices could help lower your payments.
Safety is something that is standard on all newer models with air bags and anti-lock brakes. Older cars can be outfitted with these items for a small out of pocket fee. It also helps to have a clean record for driving, which includes not having parking tickets.
Good drivers, safer cars and protective devices can go a long way in lowering insurance rates. Even students can get better rates if they have a high grade point average.