Are you hunting for the best car insurance companies in Clinton Charter Township MI, for the first time, or do you want to make sure you have the best deal? If so, this detailed guide entails everything you need to know.
This article will help you find the best auto insurance companies in Clinton Charter Township MI. It will also assist you in determining which policies to buy and what information is needed before obtaining a premium price or quote. It also includes questions to ask the agent or insurance provider to ensure you have the coverage you need.
The Best Cheap Car Insurance Companies In Clinton Charter Township MI
The best car insurance companies Clinton Charter Township MI, are those that have enough coverage to secure you from having to pay out of your budget for an accident. Although Clinton Charter has some of the lowest minimum standards in the world, the insurance cost savings can be significant.
As you can see from the table, USAA has by far the cheapest car insurance in Clinton Charter Township. If you do not meet the eligibility criteria, the second choice is Progressive. Progressive is also an excellent option for novice drivers or those with less-than-perfect driving histories. You can ensure your car, contact your agent, and file claims in minutes with a simple online application process.
The top-ranked carriers that have automobile insurance with the cheap auto insurance Clinton Charter Township MI are:
|5||Auto-Owners Insurance Co||$1,439|
Your personal circumstances can change over time, making you eligible for discounts and other company-specific savings. Hence, it’s best to obtain customized quotes from many car insurance companies in Clinton Charter Township MI, on a regular basis to find the policy that’s right for you. Those looking for a better policy or a better deal should revisit their quote often in order to take advantage of any discounts or bonuses that might be available for a limited time in the future. The prices shown here are the results of a survey conducted by the largest car insurance firms in Clinton Charter Township, MI using unique driver profiles, and prices may differ.
Average Cost Of Car Insurance In
Clinton Charter Township MI
In Clinton Charter Township, the average annual auto insurance premium is $3,404. This is approximately 284.1% higher than the national average and the same as the Michigan average. A customized quote will help you find low-cost coverage in Michigan.
Clinton Charter Township City Auto Insurance Requirements
All motor vehicles operating or parking on Clinton Charter Township MI roads must be insured. Proof of insurance must be kept in your vehicle at all times and be available when:
- Requested by law enforcement
- Renewal of vehicle registration
- The vehicle has been in a traffic accident
The following are the minimum liability insurance provisions for private passenger vehicles in Clinton Charter Township MI:
- $30,000 per person / $60,000 per accident for Bodily Injury (BI)
Drivers are covered by bodily injury insurance coverage if their vehicle is involved in an accident that causes damage to another person. Michigan state law requires a minimum of $30,000 for the death or injury of a single person in a car accident and $60,000 for the deaths or injuries of multiple victims. This form of coverage is referred to as 30/60 coverage by insurance firms, referring to the dollar limits of each minimum.
In the event of an accident, liability compensation will assist suspects with the costs associated with a civil action due to the collision. The minimum compensation provided by Michigan law includes bodily injury coverage.
- $25,000/accident for Property Damage (PD)
In the state of Michigan, the minimum cost of property damage liability coverage available is $25,000. This policy provides for damage repair to another person’s property if an insured driver is found to be at fault and held responsible in a motor vehicle accident. When an insured driver is involved in a case resulting from an accident, property loss compensation may also compensate for legal fees.
Uninsured/underinsured motorist compensation is legally required in Clinton Charter Township, MI, to cover costs and missed income for drivers and passengers involved in an accident with an at-fault uninsured/underinsured driver.
- Bodily Injury Coverage is $30,000 per person / $60,000 per accident if injured by an uninsured/underinsured driver.
- $25,000 for property damage caused by an uninsured/underinsured driver
Who Offers The Cheap Car Insurance Rates In Clinton Charter Township MI For Married Couples?
Being married used to provide residents of Clinton Charter Township MI, with lower auto insurance rates, but that is no longer the case. You and your partner, on the other hand, will also combine your insurance plans. More cars on a single policy also result in slightly lower prices. If your insurer offers various forms of policies, you can combine them for even more significant savings.
As a result, the rates shown are based on a study conducted by the largest car insurance firms in Clinton Charter Township MI using unique driver profiles. Both drivers have a decent credit record and have had only one driving incident in the last three years. Person rates in Clinton Charter Township MI, can vary, so the rates shown can only be used for comparison purposes.
Let’s take a glance at the best car insurance companies in Clinton Charter Township MI:
|Company||Married couple rates|
|Auto-Owners Insurance Group||$2,562|
|The Hanover Insurance Group||$2,976|
|State Farm Insurance Company||$3,561|
Clinton Charter Township MI Cheap Car Insurance Quotes For Young Drivers
Young drivers in their twenties may have to get many quotes in order to find cheap car insurance Clinton Charter Township MI. Prices can be sky-high for younger 20-somethings, but they begin to fall as drivers gain more driving experience. Even certain providers routinely have lower insurance rates for young drivers, so it’s best to browse around to find them.
The below table shows the best insurance companies in Clinton Charter Township MI, for young drivers with a good record.
Young Clinton Charter Township MI drivers, must pay an additional premium for full coverage insurance, which is charged either annually or monthly. According to statistics, a teen driver is more likely to be involved in a car accident than an older, more seasoned driver, resulting in higher insurance premiums. Young drivers are more probably to be involved in an accident than adults, benefit from additional coverage such as crash and comprehensive insurance. As a result, the rates mentioned above and averages are just estimates and may differ.
Clinton Charter Township City MI Car Insurance For Drivers With A Good Record
Auto insurance in Clinton Charter Township MI, will provide several opportunities to reward drivers who maintain a clean driving record with fewer (or no) infractions. You’ll be regarded as a cautious driver who has written your own savings ticket. Inquire about the advantages that certain programs have, such as a secure driver discount. If you follow traffic laws and are mindful of your environment, you will most likely have a clean record. Make sure you always wear a seat belt and ensure that your passengers are properly restrained as well. Maintain posted speed limits and drive in accordance with the conditions.
When it comes to mobile technology, hands-free is the way to go. In general, keep your eyes on the road and your surroundings. Standard coverage offers more liability coverage, while maximum coverage covers liability, comprehensive, and collision coverage, among other things.
The table shows the best auto insurance companies Clinton Charter Township MI who offers affordable car insurance quotes Clinton Charter Township MI:
|Insurance Company||Full Coverage|
Full coverage can provide extra benefits such as roadside assistance, ride-share coverage, or full repair cost, which does not subtract depreciation from the value of your vehicle if it is totaled. As a result, the rates and averages shown above are just estimates and may vary.
Cheapest Minimum Coverage For Young Good Drivers In Clinton Charter Township MI
The following companies offer cheap car insurance Clinton Charter Township MI for drivers with clean driving histories at the age of 20:
Many auto insurers have incentives for young drivers, such as good student discounts, discounts for young drivers who take a driving course, student away-from-home discounts (if you are on your parent’s policy) multi-policy discounts if you have renters or homeowners insurance. Shop around and take advantage of any available discounts. Rates for young drivers may be higher than for most other age groups, but there are still ways to save.
Best Coverage For Multiple Cars In Clinton Charter Township MI Car Insurance
It’s never been easier to find affordable car insurance quotes in Clinton Charter Township MI. Car owners in Clinton Charter Township MI, can save money by insuring several vehicles with the same business. The following are the average savings that can be obtained:
|Number of Cars||Insurance Cost|
Cheap Auto Insurance Quotes In Clinton Charter Township MI By Age
Teenagers in Clinton Charter Township MI, typically pay significantly higher auto insurance rates than the rest of the state because they are deemed to be less responsible behind the wheel. Middle-aged drivers are more likely to pay lower auto insurance rates if insurance providers perceive them to be better drivers.
The table below shows the cheap auto insurance Clinton Charter Township MI companies which offer the best rates by age:
|Age of Driver||Insurance Cost|
Drivers who are under 25 are more plausible to be involved in an accident than older drivers, and getting crash and extensive coverage in place can be much less costly than paying for repairs out of pocket. Since car insurance premiums are dependent on individual variables, these prices are projections and will not reflect how high the real car insurance rates will be.
Cheap Car Insurance In Clinton Charter Township MI After A Car Accident
Drivers can experience significantly higher-than-average rates after an accident. Car insurance rates typically rise by 53% for individuals who have been involved in an at-fault accident. That is why, to obtain low-cost auto insurance following an accident, it is important to compare car insurance rates from various firms.
Here we have compared various companies to find out who offers cheap car insurance Clinton Charter Township MI, after a car accident:
|Auto-Owners Insurance. Co||$3,167|
The cheapest insurer before an accident might not be the cheapest afterward. In about half of the states, at least some drivers who were still insured by the cheapest company available will need to switch insurers to continue receiving the lowest possible rates following an accident. As a result, the rates and averages presented above are just estimates.
Cheap Car Insurance In Clinton Charter Township MI After A Speeding Ticket
A responsible driver can get cheaper auto insurance in Clinton Charter Township MI, than someone who has a history of speeding violations, DUIs, or has been in an accident in which they were at fault. The annual premium can be three to four times that of the most competitive automobile insurance rate.
Drivers can get cheap auto insurance Clinton Charter Township MI by the companies mentioned below after a speeding ticket.
Moving violations, according to Drive Safely, remain on the driving record for nearly three years. After this period, assuming you do not obtain any additional violations, you can apply for more affordable auto insurance. The rates are based on a survey of the largest car insurance firms in Clinton Charter Township, MI using unique driver profiles.
Cheap Car Insurance Companies In Clinton Charter Township MI For Drivers With Bad Credit Score
The insurance you pay for will rely on your credit. Financial security is a strong predictor of your willingness to pay your insurance premiums, so it is easy to see how your credit value evaluation is one of the determining factors in helping you to save money on insurance for cars.
However, It is important to note that each car insurer uses a different formula to determine the premium you will pay. Automobile insurance premiums could be higher for those with low numbers. When drafting an insurance policy, companies must consider the risk they are taking by insuring the individual. People with poor credit are considered at higher risk because they may not pay their premiums due to unpaid debt.
The table below provides which are the best auto insurance companies in Clinton Charter Township MI, for people who have a poor credit rating.
|Car Insurance Company||Annual Rate|
A low credit score will affect your rates for much more than just car insurance, so it’s best to try to improve it as soon as possible. The good news is that improving your credit score can help you get lower interest rates. Raising your credit score will help you get lower interest rates, so take the time to work on it if you want to save money. As a result, raising your score will help you plan for the future.
Cheap Auto Insurance Quotes In Clinton Charter Township MI For Minimum Coverage
The cheapest minimum coverage rates for good driving record drivers in Clinton Charter Township MI, provide us with a $582 per year rate, or $574 less than the $625 average quote for our 30-year-old sample driver.
The following are the cheap auto insurance Clinton Charter Township MI for minimum coverage, as well as their average rates:
Purchasing a minimum coverage insurance policy is the most cost-effective way to meet Clinton Charter Township MI insurance standards and ensure your legal status. If you are booked in an accident, the state minimums can not provide you with enough bodily injury and property damage coverage.
Cheapest Car Insurance Companies In Clinton Charter Township MI For Seniors
Senior drivers are those aged 65 and over, and they may face a number of challenges while looking for free car insurance quotes in Clinton Charter Township MI. Since these drivers were involved in 14.3 percent of all fatal accidents in the state, some insurers require them to pay higher premiums. To compete for lower rates, emphasize considerations such as a clean driving record and a decreased amount of driving while shopping for auto insurance for seniors.
While 65-year-olds have lower average car insurance rates than many other age groups, premiums will begin to rise as they age. Drivers in their mid-60s can shop around for the best deal on cheap car insurance for seniors. Drivers in this age group can also take advantage of any available senior citizen discounts.
The table below depicts the range of costs that senior drivers can be quoted and get cheap auto insurance Clinton Charter Township MI.
Seniors in Clinton Charter Township MI, will renew their driver’s license every eight years before they reach the age of 66. Licenses must be renewed in 5 years for those aged 66 and up. Seniors, regardless of age, must pass a vision test every time they apply. As a result, the rates and averages shown above are just estimates.
Cheap Auto Insurance Quotes In Clinton Charter Township MI After A DUI
In Clinton Charter Township MI, there were over 3,848 drunk driving fatalities. In Clinton Charter Township, MI, 1.3 percent of drivers confess to driving after drinking too much in the previous 30 days. For anyone found driving under the influence in Clinton Charter Township, MI, the punishments include prison time, fines, and license suspension. Finding cheap car insurance with a DUI in Clinton Charter Township MI, can require some extra effort, but it is possible.
The following companies provide cheap car insurance in Clinton Charter Township MI, for drivers with a recent DUI.
|Auto-Owners Insurance. Co||$3,279|
Individuals convicted of a DUI in Clinton Charter Township MI, will have their records sealed after seven years in previous years. The law has since changed, and only those found not guilty or whose charges have been dismissed will now have their records expunged. Otherwise, it will remain for the foreseeable future. A DUI will cost you much more than just court fees and penalties, so think twice before getting behind the wheel when intoxicated.
How To Get Cheap Car Insurance Quotes In Clinton Charter Township MI?
You could theoretically save money by purchasing additional coverage in addition to the required coverage. If you add both collision and comprehensive coverage to your policy, certain insurance providers will subtract a portion of your premium. However, if you have an older vehicle, the additional cost of further coverage might not be worth it. You may also get community discounts or save money by insuring multiple vehicles under the same scheme. Good credit and a clean driving record will also lower the insurance premiums. Remember the cost of insurance before buying the next vehicle, as the year, make, and model of a car all play a role in policy pricing.
Before you buy a car or an insurance policy, you can get several insurance quotes. Another common way to reduce your insurance bill is to raise your premiums. In other words, the more money you’re able to spend in the event of an accident, the more money you will save.
Enquire with your insurance provider about combining your health insurance with your auto insurance. If you are injured in an accident, and your health insurance pays for most of your costs, your insurance provider will pay the difference and give you a discount. Maintaining a clean driving record is the most effective way to reduce your prices. Since speeding and driving under the influence increase the likelihood of an accident, insurance providers will boost premiums for drivers with a history of violations.
This is particularly true to find the best auto insurance companies in Clinton Charter Township MI, which rewards good drivers while penalizing those with convictions and at-fault accidents by raising insurance premiums by a predetermined amount. These increases vary from 30% for exceeding the speed limit by ten mph or less under 55 mph to 340 percent for manslaughter, street racing, or driving while intoxicated.
What Are The Different Types Of Clinton Charter Township MI Auto Insurance Coverage?
You may already be aware of how auto insurance operates, but are you aware of the various forms of automobile insurance? Knowing the various forms of car insurance is a vital step in getting the policy that’s right for you if you’re looking for auto coverage. Here are a few of the common types of auto insurance, how they operate, and what they cover.
1. Liability coverage
Most states in the United States require liability insurance as a legal prerequisite for driving a vehicle. Liability insurance can help cover damages for bodily harm and property damage caused to others due to a covered accident.
2. Major Parts Replacement Coverage
OEM is a form of car insurance that you can purchase to ensure that modifications to your vehicle do not use aftermarket parts. OEM insurance is relevant because new OEM products that were initially built and manufactured to fit the make and model would be patched for your car.
3. Uninsured motorist insurance
Uninsured motorist insurance should protect you and your vehicle from uninsured drivers and hit-and-run crashes. This coverage is sometimes combined with underinsured motorist coverage.
4. Underinsured motorist insurance
Many drivers opt to bring the bare minimum of liability coverage to save money, but this does not offer adequate protection. Underinsured motorist insurance will protect you if you are involved in an accident with a driver whose insurance does not cover the costs.
5. Personal injury protection insurance
Personal injury compensation policies can cover some medical costs and income loss due to a covered accident. Personal injury insurance can cover up to 80% of medical and other costs resulting from a covered accident, depending on the policy limits.
6. Gap insurance
Since car values depreciate rapidly, and auto insurance settlement will not be enough to cover the cost of a loan. Gap insurance can assist some drivers in covering the amount owed on a car loan following a total loss or theft.
7. Towing and labor insurance
Towing and labor insurance, which is available if you already have comprehensive car insurance, can reimburse you for a tow as well as the labor costs to repair your vehicle.
8. Collision insurance
Collision insurance can cover damage to your car as a result of an accident with another vehicle and may assist in the repair or replacement of a covered vehicle.
9. Comprehensive insurance
Comprehensive insurance may offer additional compensation in the event of a collision with another car. It can help compensate for damage to your vehicle caused by incidents other than crashes, such as vandalism, some weather conditions, and animal accidents.
10. Roadside Assistance
Sign up for a standard or premium Roadside Assistance plan to get extended towing, flat tire service, and other benefits.
11. Rental reimbursement insurance
If your primary vehicle is unavailable, you will be reimbursed for the cost of a rental car. If you are at fault in an accident, this coverage will pay for a rental car while your vehicle is being fixed.
Rental car compensation is not always included with auto insurance plans and must be purchased separately. You’ll be insured in the case of an accident, which is usually covered by comprehensive or collision insurance.
12. Classic car insurance
Classic car insurance offers specialized coverage tailored to the specific requirements of antique and classic car collectors. Determine if traditional car insurance is appropriate for you.
13. New Car Replacement
If the car is ruled a complete loss, this coverage will reimburse the value of a vehicle of the same make and model, less the deductible.
14. Original Parts Replacement
This optional coverage allows you to replace any defective vehicle components with high-quality new ones. If the original manufacturer’s components for your vehicle are no longer available or in high demand, they will give you an estimate for equivalent or reconditioned parts.
15. Medical payments coverage
Medical bills after an injury may be exorbitant. Medical payments coverage can help pay for medical expenses resulting from a covered injury, regardless of who is at fault.
Is Clinton Charter Township MI Auto Insurance A No-Fault?
Michigan is one of the states that have “no-fault” car insurance. In a no-fault scheme, regardless of who caused the crash, your auto insurance policy covers all out-of-pocket losses up to your policy limits in the aftermath of an automobile accident. The Michigan No-Fault insurance legislation was created to assist individuals who have been involved in a car accident.
It is a one-of-a-kind system that ensures car accident victims receive the assistance they need quickly and without fault. In particular, if you are involved in a car accident protected by Michigan’s No-Fault insurance statute, you will turn to your own car insurance provider for the coverage you will need to recover and begin restoring your life. Notably, such payments will cover your accident-related medical costs as well as any missed earnings if your injuries ask you to return to work. Obtaining the assistance you need does not rely on or require you to sue the driver who caused your accident.
Ways To Reduced Rates In Clinton Charter Township MI Car Insurance
Maintaining a clean driving history is a great way to get cheap car insurance in Clinton Charter Township MI. Below are a few ways to reduce rates in Clinton Charter and get affordable car insurance quotes Clinton Charter Township MI.
1. Consider Switching Auto Insurance Providers
Each auto insurance provider calculates rates differently, which is why the quotes you get from one insurer can be very different from another. And, as time passes, the organization that provides the cheapest auto insurance for your specific situation can adjust.
While it might be tempting to twig with the same carrier, get quotes from other providers before you renew. This is particularly critical if you have noticed a significant rise in your rates due to an accident or a DUI conviction.
2. Opt For Less Car Insurance Coverage
While choosing less insurance coverage will lower your premiums, you must proceed with caution. It takes a few seconds of distraction or a single danger to cause a car accident, and if you are to be at fault, you could end up in massive debt if the insurance coverage is inadequate. It’s usually a smart idea to get insurance coverage that exceeds the state’s minimum limits, as well as uninsured motorist coverage that meets your liability limits.
Even if these tips just save you a few bucks per month on car insurance, that small savings will add up to a significant amount over time. If your insurance policy is about to expire, consider using these five suggestions to free up some cash in your monthly budget.
3. Maintain a Clean Driving Record For Several Consecutive Years
This is perhaps the most powerful method for lowering your monthly premiums. If you are booked of DUI, cited for a traffic break, or involved in an accident, the insurer will consider you to be a higher risk. This usually results in higher insurance rates.
Here are points that will help you keep your driving record clean and get affordable car insurance quotes Clinton Charter Township MI:
- Obey all traffic laws;
- Never drive if impaired by drugs or alcohol;
- Reduce the amount of time you spend behind the wheel. Spending less time on the road reduces the chances of getting into an accident or being arrested for a traffic violation; and
- Maintain your car to lower your chances of crashing.
4. Purchase A Vehicle That Is Cheap To Insure
Your vehicle’s year, make, and model can all have a significant effect on your auto insurance rates. This is due to the fact that different cars have different rates of accidents and theft, which means that one car may be more of a risk to insure than the next.
Look for a car that has a low number of accidents or claims. Cars with fewer horsepower appear to be less expensive to insure because they are less likely to be involved in speed-related crashes.
5. Reduce Your Annual Mileage
If you’ve ever had car insurance quotes, you’ve also been asked about your annual mileage. It goes without saying that jumping more time behind the wheel raises the chance of crashing, which means that high-mileage drivers are a more significant hazard to auto insurance firms than low-mileage drivers. As a result, you can reduce your premiums by limiting your annual mileage.
6. Ask about discounts
Insurance companies offer a range of discounts, which can result in lower insurance premiums for consumers who:
- Combining auto insurance with other plans, such as homeowners insurance, will save you money.
- Insure multiple vehicles with a single regulation.
- Possess a spotless driving record.
- They must pay their entire annual or six-month premium all at once.
- Accept the receipt of documents through the internet.
- Own a vehicle with anti-theft or safety equipment.
- Members of specific professional associations or affiliate bodies.
However, don’t be fooled by a list of potential discounts. Rates from various insurers should be compared.
7. Increase Your Deductibles
When choosing auto insurance, you usually have the option of selecting a premium, which is the amount of money you must pay before insurance picks up the tab in the case of a collision, burglary, or other forms of vehicle harm. Deductibles usually vary from $250 to $1,000, depending on the program. In general, the higher the annual premium, the lower the deductible.
In contrast, the lower the premium, the higher the deductible. Ask your agent about how raising your deductible could affect your premium. It may reduce your annual premium by many percentage points and put money back in your wallet, or it may have no effect at all. Raising the deductible could be an especially wise move if you are hesitant to file minor claims to avoid the possibility of raising your premium.
Good Drivers Car Insurance Discounts In Clinton Charter Township MI
If you qualify, good-driver discounts will significantly lower your prices. Usually, these discounts necessitate at least three years of safe driving. Other discounts that will get you affordable car insurance quotes Clinton Charter Township MI include:
- Alternative Fuel / Hybrid Car Discount
- Anti-Lock Brake Discount
- Anti-Theft Discount
- Home Ownership
- Mature Driver
- Good Student Discount
- Electronic Funds Transfer
- Electronic Stability Control Discount
- Multi-line Policy Discount
- Accident-Free Discount
- Continuous Car Insurance Discount
- Driver Education Course
- New Car Discount
- Passive Restraint
- Vehicle Safety
Car Insurance Clinton Charter Township MI Questions And Answered
What are the Major Differences Between Full Coverage and Liability?
The distinction between full coverage and liability coverage is very important. In the case of liability, insurers bet that they would only have to pay for one vehicle in the event of an accident. Insurance firms recognize that when they issue a comprehensive or full coverage policy, they are taking on more liability risk, and their premiums represent this. In the case with a comprehensive scheme, they might also be required to pay lawsuits for losses that do not result from a traffic accident.
What is Auto Gap Insurance?
When people purchase a car, they often owe more in loans than the car is worth. For example, the Kelley Blue Book value of your car might be $10,000, but you owe $15,000 in loans. This is a dilemma if you are in an accident and suffer a $5000 loss. This is due to the fact that coverage never reaches the value of the vehicle. If this is the issue, you can purchase auto gap insurance, which will cover the remaining $5,000 of your loss.
Who are the Best Michigan Car Insurance Companies?
Car insurance shoppers have several choices, ranging from national insurers like State Farm to Michigan-based Auto-Owners Insurance. It can make it challenging to choose the best auto insurance companies Clinton Charter Township MI, one for you and your needs at a time when the best rates are all the rage.
Is there any way to reduce the cost of my Michigan car insurance?
In Michigan, your credit score is heavily weighted in deciding your prices, so keep an eye on your credit report for mistakes and work to improve or sustain a high score. Coordination of your life and disability coverage with your no-fault insurance package would also lower your insurance premiums. Additionally, keep a clean driving record, choose a higher deductible, and search around for the best prices to reduce your premiums.
What does No-Fault insurance mean?
A no-fault insurance policy ensures that a policyholder and their passengers will receive compensation regardless of who was at fault at the collision. In addition, the No-Fault scheme would compensate injured parties’ medical costs, recovery, and missed earnings. Individuals cannot sue the policyholder for accident and injury unless they meet specific requirements, which state regulators claim reduces legal costs.
The best car insurance companies Clinton Charter Township MI, take many considerations into account when determining rates, including driving history, age, where you live, where you park, insurance credit score, a difference in insurance coverage, and how far you go.
What is uninsured motorist coverage, and is it required in Michigan?
This form of coverage compensates you for additional income loss, as well as pain and suffering. Uninsured motorists shield you from hit-and-runs and injuries caused by uninsured vehicles. Uninsured motorist insurance is optional in Michigan, but it is strongly recommended; an estimated one in every five Michigan drivers drives without coverage.
Will my bad driving record make it hard or expensive to buy insurance?
Yes, it is. Multiple tickets or accidents will raise your premium. Depending on the insurer, they can refuse to renew your policy. If this occurs, the only option will be to purchase insurance from a high-risk group at a much higher rate.
Am I covered by my policy when I drive someone else’s car?
Typically, the car owner’s insurance will protect other drivers, and the policy (called secondary insurance) will not take effect until their coverage is exhausted. Car insurance follows the vehicle rather than the driver. Before borrowing someone’s car, you can ask if their car insurance is up to date.