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Auto Insurance in Michigan

Michigan is one of 12 "no-fault" states according to their insurance laws. The "no-fault"system is designed so that no one is cited for fault at an accident scene, and everyone is required to pay their own damages and repairs out of their insurance. Insurance that is required by state law in Michigan is much more substantial, and includes the following:

•     Personal Protection Insurance: Pays up to $1 million in property damages that you cause
•     Personal Injury Protection: Pays your medical expenses caused by an accident
•     Residual Bodily Injury and Property Damage Liability: The minimum limits include $20,000 per person, $40,000 per accident, and $10,000 property damage coverage. This pays for legal expenses and damages that you cause in out of state accidents.

Even though this seems like a lot of coverage, you should still consider purchasing more coverage to ensure your financial security in the event of an accident that exceeds your insurance limits. If you are willing to invest the time and effort to research insurance rates and compare policies, you might be surprised at how much coverage you can get at a really affordable rate.

Some elements that will influence your auto insurance in Michigan can include:

•     Driving record
•     Vehicle type
•     Amount of coverage desired
•     Credit rating
•     Personal information (age, gender, marital status)
•     Garaging address

Knowing these things before purchasing auto insurance in Michigan will help you to find the best possible rates and determine which policy is right for you.