How to Get the Best Rates on Automobile Insurance in Michigan

Driving without automobile insurance in Michigan is simply a bad idea. If you are caught, you can expect to pay a fine, and lose your license for a period of thirty days. Even more serious is if you are involved in a collision when you don’t have insurance. If this is the case expect to be held responsible for paying for the damage to the car you hit. These costs can easily skyrocket into thousands of dollars, so it’s easy to see why insurance is so important.

There are easy ways to find the best rates on automobile insurance in Michigan. One simple way is to combine all your insurance needs into one package. If you already have a health or home insurance policy, consider inquiring with your agent about automobile insurance. You will more than likely qualify for a discount as insurance companies reward customers who purchase more than one type of insurance from them. You can save a considerable amount of money if you buy all your insurance, including life, auto, health and homeowner from one company.

The area you live in can also impact your automobile insurance rates. There are areas in many Michigan cities that are notorious for crime. If you live in any one of these areas you can expect your automobile insurance rates to be high. The simple reason is that your vehicle is more at risk for theft or vandalism.

Another way to get the best rates on automobile insurance in Michigan is to drive less. Most insurance companies will reward drivers who qualify for a low mileage plan. If you take public transportation to work or school every day you likely already qualify. This also often applies to people who are retired or those who work from home. Contact your insurance agent and ask about this discount and what the threshold is in terms of miles per year.