By Amanda Moss | Licensed Agent/CSR | Powered by A Plus Insurance
- Cheap Full Coverage Insurance Michigan
- Should I get Full Coverage Insurance Calculator
- Michigan Auto Insurance: Liability Only
- Cheap Full Coverage Insurance Michigan: Factors
- Michigan Auto Insurance: Why Choose A Plus Insurance?
- Cheap Full Coverage Insurance Michigan: FAQ
- Frequently Asked Questions About Cheap Full Coverage Auto Insurance in Michigan
- Other Helpful Links for Cheap Full Coverage Insurance Michigan
- Top Mistakes to Avoid When Buying Home and Auto Insurance
- INSURANCE SERVICES WE OFFER
Cheap Full Coverage Insurance Michigan
Michigan, home to the Detroit Lions and surrounded by the breath-taking Great Lakes. Despite this beautiful State, there are some dangers that lurk in the corner. Dangers such a snow, the Michigan left, and pothole construction just to name a few. How do you protect yourself and your vehicle from these vicious monsters? The answer is easy: Full Coverage Auto Insurance!
What is Full Coverage?
Simply put, Full Coverage is Comprehensive, Collision, and Liability together as a neat little package.
The 3 different aspects of Full Coverage are listed below in more detail:
Comprehensive
Protects against damage to your vehicle by any type of non-collision events such as theft, vandalism, fire, weather, glass & windshield damage, and accidents caused by an animal.
Collison
Protects against damage to your vehicle resulting from a collision with an object such as a tree, mailbox, telephone pole, guard rail, or another vehicle.
Liability
Protects you against claims resulting from injuries and damage to other people/property.
Did You Know?
You Would Be Covered By Collision If You Slide Into A Guardrail
What does Full Coverage NOT include?
| Not Included In Full Coverage |
|---|
| Uninsured Coverage |
| Underinsured Coverage |
| Roadside Assistance |
| Rental Reimbursement |
These are optional and can be added on to any full coverage auto insurance policy
Having Full Coverage insurance on your vehicle isn’t always necessary. Take the quiz below to consider whether it’s worth having for your circumstances!
Should I get Full Coverage Insurance Calculator
Even if you’ve decided that Full Coverage doesn’t fit your needs, liability is something to consider. Why?
Michigan Auto Insurance: Liability Only
As mentioned earlier in this article, liability protects you against claims resulting from injuries and damage to other people/property.
Most States require that you carry liability on your vehicle. According to Michigan State Law , the Residual Bodily Injury and Property Damage Liability (BI/PD) minimum is:
| Liability Insurance in Michigan |
|---|
| $50,000 per person |
| $100,000 per accident |
| $10,000 for property damage |
Personal Injury Protection (PIP) and Property Protection (PPI) are also required under Michigan Law.
What is Person Injury Protection?
Well, if your hurt in a accident, PIP will pay all reasonable medical expenses up to the maximum amount of coverage selected in your policy. It will also pay wages loss and replacement services up to 3 years after the accident.
So what are the coverage options for PIP medical coverages?
| PIP Medical Coverages |
|---|
| Unlimited Coverage |
| $500,000 per person per accident |
| $250,000 per person per accident |
| $250,000 per person per accident with exclusions |
| $50,000 per person per accident |
| No PIP medical coverage* |
*The only way to opt-out of PIP medical coverage is to have Medicare Parts A & B AND all residents of your household have qualified health coverage or their own PIP medical coverage.*
What is Property Protection?
It pays up to $1,000,000 for any damage your vehicle does in the State of Michigan to another person’s property. It also will pay for damages your car has done to another person’s legally parked vehicle.
Again, these coverages are required by law.
Driving without insurance is illegal and is considered a misdemeanor. It could potentially have serious consequences such as a fine up to $500, up to 1 year in prison, and a 30 day suspended license (or until you provide proof of insurance).
Cheap Full Coverage Insurance Michigan: Factors
Unlike other States, Michigan has eliminated some non-driving factors when applying for auto insurance. These eliminated factors are:
- Gender
- Martial Status
- Homeownership
- Education
- Credit Score
- Where You Live
- And Occupation
So what does this look like exactly for the average person?
Age 29
Location: Detroit, MI 48202
Rents an Apartment
Vehicle: 2018 Toyota Corolla XSE
No Violations or Accidents
Liability 50/100/10
PIP – $50,000 Limit, $500 Deductible
Comp/Collision $500 each
Michigan Auto Insurance: Why Choose A Plus Insurance?
As an insurance brokerage, we compare insurance premiums from 11 different companies to get you the best deal possible. Kind of like TripAdvisor, but for insurance!
Give us a call today to get the cheapest full coverage insurance in Michigan!
888-445-2793
Cheap Full Coverage Insurance Michigan: FAQ
Frequently Asked Questions About Cheap Full Coverage Auto Insurance in Michigan
Q1: What are the minimum auto insurance requirements in Michigan?
A1: In Michigan, drivers are required to have no-fault auto insurance coverage, which includes Personal Injury Protection (PIP) benefits. The minimum liability limits for bodily injury are $20,000 per person and $40,000 per accident, while the property damage liability limit is $10,000.
Q2: What factors can help me find affordable full coverage auto insurance in Michigan?
A2: To find affordable full coverage auto insurance in Michigan, consider factors like your driving history, age, the type of vehicle you drive, and your location. Additionally, bundling policies, maintaining a good credit score, and comparing quotes from multiple insurers can help you secure competitive rates.
Q3: Are there any discounts available for cheap full coverage auto insurance in Michigan?
A3: Yes, you may be eligible for discounts on full coverage auto insurance in Michigan. Insurers often offer discounts for safe driving, completing defensive driving courses, bundling multiple policies (e.g., home and auto), and having certain safety features in your vehicle.
Q4: How much is full coverage insurance a month in Michigan?
A4: The cost of full coverage insurance per month in Michigan can vary widely depending on several factors, including your driving history, the type of vehicle you own, your location in Michigan, and the coverage options you choose. To get an accurate quote for full coverage auto insurance, please contact us at 1.888.445.2793. Our experienced agents can provide personalized quotes based on your specific needs and circumstances.
Other Helpful Links for Cheap Full Coverage Insurance Michigan
Top Mistakes to Avoid When Buying Home and Auto Insurance
Buying insurance can be complicated, and making the wrong choices can cost you in the long run. Here are the most common mistakes to avoid when purchasing home and auto insurance. For tailored advice, call us at 1.888.445.2793 or Text Us.
- Underestimating Your Coverage Needs One of the biggest mistakes is opting for the minimum required coverage. While it may save money upfront, it can leave you financially vulnerable in the event of a major claim. Always assess your assets and liabilities to determine the right coverage amount. For help with coverage assessment, Text Us today.
- Not Shopping Around for Quotes Failing to compare insurance quotes from multiple providers can result in paying more than necessary. Rates can vary significantly between companies, so it’s important to shop around. Call us at 1.888.445.2793 to get multiple quotes and find the best rate.
- Overlooking Discounts Many policyholders miss out on potential savings by not exploring available discounts. Look for options like multi-policy, safe driver, and home security discounts. To maximize your discounts, Text Us for a personalized quote.
- Choosing a High Deductible Without Understanding the Risks While a high deductible can lower your premium, it also means you’ll pay more out-of-pocket if you file a claim. Ensure that you have enough savings to cover the deductible amount before opting for this route. Call 1.888.445.2793 for guidance on selecting the right deductible.
- Ignoring Policy Exclusions Not all insurance policies cover every type of damage or loss. Failing to read and understand policy exclusions can lead to denied claims when you need coverage the most. For clarification on policy terms, Text Us for expert advice.
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Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Last Updated on by Camron Moss