From road construction to ice and blizzards, drivers in Michigan face a lot of obstacles. That is why if you own a vehicle in this state, you are required to have car insurance. Michigan is a “no-fault” state, meaning that if you are in an accident, your policy will cover injuries sustained by you and your passengers, regardless of fault. Your policy must include personal injury and property protection coverage as well as residual liability insurance, in case you cause grave injuries and/or an accident with an out-of-state driver.
Michigan has the highest car insurance rates in the country. While Americans pay an average rate of $1,311 a year for their car insurance, in this state the average cost is $2,476. Because every insurance company has a different method for calculating rates, comparison shopping can save you hundreds of dollars a year. Independent insurance agents make finding a reliable, yet competitively priced, policy easy and stress-free.
My son just got his license so, I called some companies directly, but finally tried an independent agent from TrustedChoice. He gave me the best price and he was also very nice. He was great and I recommended him to somebody else. I will tell my friends to go for it if they ask.Joe of Lansing, MI Consumer Affairs
Failure to carry car insurance in Michigan can result in fines, a 30-day suspension of your license and possible jail time. A basic minimum-coverage policy in Michigan will provide coverage for injuries to you and your passengers, but it will not cover damage to your car. Optional coverage such as comprehensive and collision insurance are necessary if you want to be compensated for vehicle damage.
There are currently 899 independent insurance agents in Michigan who are ready to help. Because independent agents are free to work with several different insurance companies, they can save you time and money by doing the comparison shopping legwork for you. Let a local agent help you review a variety of customized car insurance quotes so you can choose the policy that offers the best value.