Cheap Michigan Full Coverage Auto Insurance
Cheap Full Coverage Insurance Michigan
Need Cheap Full Coverage Insurance in Michigan? You’ve come to the right place!
By Amanda Moss | Licensed Agent/CSR | Powered by A Plus Insurance
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Full Coverage Insurance in 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 in Michigan
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
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
Is Michigan a No-Fault State?
Yes, Michigan is a No-Fault State.
Is Full Coverage Required?
No, Full Coverage is NOT required, however, Liability, PIP Medical Payments, and Property Protection is.
Other Helpful Links for Cheap Full Coverage Insurance In Michigan
Last Updated on by Alexis Karapiperis