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Looking for Michigan automobile insurance? If you reside in Detroit, Grand Rapids, Warren, Sterling Heights, or Flint, you can receive up to ten rate quotes from leading insurers in your area by using AutoInsuranceEZ.com. Costs can vary by company and you should compare rates diligently before you invest in a policy. We’ll help you get the coverage to suit your needs.
Insurance costs can get pretty high in Michigan, with the average driver paying about $200 a month for their insurance bill. There are cheaper cities, like Grand Rapids, where costs are only around $134 per month for most drivers. However, there are also more expensive places, like Detroit, where insurance can cost an average of $260 or more.
Another factor that will affect the cost of your car insurance quotes and policy is your location. Drivers who live in highly populated cities are more vulnerable to traffic collisions than those who live in rural areas.
Uninsured motorist coverage is not a requirement, which will help you find cheap Michigan car insurance while shopping around for a policy. However, Michigan is a no-fault state, and will require you to purchase both PIP and PPI coverage in order to comply with no-fault insurance requirements. Liability coverage is also a requirement, and its minimums can be found below:
|Bodily Injury Liability||30,000/60,000||100,000/300,000|
|Property Damage Liability||10,000||100,000|
|Uninsured Motorist Bodily Injury||25,000/50,000||100,000/300,000|
|Personal Injury Protection||40,000||40,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||0 deductible|
Do you know exactly what liability insurance covers? What about Comprehensive insurance? Or Collision? It’s important to know what types of coverage will pay out claims on certain situations, so that you don’t get caught without enough coverage to protect you financially.
If you are convicted of your first DUI offense, you may face the following penalties: 93 days in jail; a fine between $100 and $500; your license may be suspended for 6 months, and you will have six points taken off of your license; your license may become restricted after 30 days; up to 360 hours of community service; your vehicle may be installed with an ignition interlock device and/or be rendered immobilized. Not every driver is required to file an SR-22. These are for special cases when motorists are convicted of serious driving violations. These include causing an accident while driving without insurance, being convicted of a DUI, or operating a motor vehicle without proof of insurance. In Michigan, you will need to file an SR-22 in order to have your driver’s license reinstated.
At 14 years and 9 months of age, Michigan teenagers can apply for their learner stage permit. After at least 6 months and 50 hours of supervised driving (10 of which should happen at night), young drivers can qualify for an intermediate permit once they reach the age of 16. During the intermediate stage, they cannot drive alone between the hours of 10 PM and 5 AM, nor can they have more than one non-family passenger under the age of 21 in the car with them. They are eligible for a full driver’s license at 16 years of age.
Many different companies rely upon your credit score to determine your insurance rates. Your insurance provider is one such company. For poor credit scores, your monthly premium could more than triple in the state of Michigan. Good credit scores will likely get lower rates.
The idea that “insurance follows the driver” is actually a myth. More than anything, it follows the vehicle – which is why your insurance company needs to know details like your make and/or model in order to craft you a policy.
Everything we’ve mentioned so far – about credit, about your zip code, and more – can make pretty big changes in your monthly bill. But what about the other laws that might not seem so important, but can really influence your rate? Read more about them below.
There are no aggressive driving laws in the state of Michigan. However, that doesn’t make aggressive driving less dangerous, and it doesn’t mean that causing an accident by driving aggressively won’t leave you vulnerable to additional legal trouble. You just won’t have any additional complications from an aggressive driving charge.
|Aggressive Driving||No state law|
|Cell Phones and Texting Laws||Primary All-Driver Ban for: Bus Drivers, Novice Drivers, and Texting|
|Inc. Penalty for High BAC||BAC 0.17|
|Admin. License Susp. on 1st Offense||45 days|
There is a primary level all driver ban on almost all forms of cell phone use in Michigan. The only exception is for adult drivers who are driving a personal vehicle; they are legally allowed to talk on a cell phone while driving, even though it increases their risk of an accident. For everyone else – including teenage drivers, school bus drivers, and anyone who tries to text while driving – the ban is enforced.
|Rural Interstate||70 mph (55-60 for trucks)|
|Urban Interstate||70 mph (55-60 for trucks)|
|Other Limited-Access||70 mph (55-60 for trucks)|
Michigan Department of Revenue – Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.
How to contact directly:
Michigan Department of auto insurance
P.O. Box 30220
Lansing, MI 48909
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