Michigan Car Insurance

It is mandatory in Michigan for every car owners to carry minimum state required Michigan car insurance in order to be eligible to drive the vehicle on public roads. But the state required minimum is not adequate to cover the driver and the car against the losses and damages in an accident. Therefore, the car owner has to look for a comprehensive insurance coverage in order to protect himself and the car in the event of an accident. A person has to discover ways to get lo premium on auto insurance after deciding the amount of coverage for his car insurance needs.

     The minimum state required insurance package must include minimum 20,000 dollars and a maximum of 40,000 dollars as bodily injury liability coverage. The car owner must have minimum 10,000 dollars in property damage liability and 1,000,000 dollars in property protection insurance. The expenses of personal injury protection are not specified but it must cover medical expenses and expenses for work loss compensation.

     Car owners don’t have to carry under-insured or uninsured motorist bodily injury coverage but it is very useful for the car owner to cover the damages and losses in case of an accident with an uninsured or under-insured motorist. However, this coverage does not cover all kinds of losses and damages. The state required minimum insurance does not cover the vehicles that are vandalized or stolen or the damages of the car windshield in case of a tree falling on the windshield. Therefore, a car owner has to consider buying comprehensive or collision coverage to cover such accidents and damages.

     Once the amount of coverage for car insurance is determined, the car owner has to look for ways to lower the rate of premium on car insurance. Safe vehicles qualify for low premium on auto insurance. Cars that feature safety devices like anti-lock brakes, daytime running lights and airbags can be easily insured and are eligible for low rate of premium on car insurance. Besides this, a person has to look for a car that is safest overall from the objective sources to lower the premium on auto insurance.

     Not only safe cars but safe drivers are also eligible for discount and even lower deductibles on Michigan car insurance. Drivers with traffic tickets and accidents in their driving record are required to pay more rate of premium on car insurance than the drivers that have clean and safe driving records. It is also possible to lower the cost of insurance by searching for insurance companies that organize defensive training for their customers and offer low premium to those who successfully complete the training program. Thus there are various factors to consider while buying car insurance in order to get maximum coverage at the most affordable rates.