If you’ve just moved to Michigan or you’re looking for a new auto insurance quote for your vehicle(s), you need to know what to expect. Michigan is one of the no-fault insurance states and, as many states do, requires a certain level of minimum coverage. There’s a good change the requirements in Michigan are different from the state you used to live in and you need to understand these differences before choosing your policy.
Some of the most common differences include:
- Michigan doesn’t allow out-of-state insurance for vehicle registration
- The no-fault insurance certification must be carried in the vehicle at all times
- A graduated license law is used for teen drivers
Understanding the differences in minimum coverage, what’s expected of you and any other differences will help when it comes times to find an auto insurance quote in Michigan. Whether you’re moving from another state or you just need to get familiar with any new requirements, it’s important to do a little research before you start looking for your new insurance company.
Contacting an Agent for a Michigan Auto Insurance Quote
One of the best ways to ensure you get the best coverage for the lowest price is using an insurance agent. This type of company can search multiple companies for you and provide the best possible choice for your situation. You do need to have some information ready for your agent when you need an auto insurance quote. This information includes:
- Personal information – Address, phone number, social security number, income, etc.
- Vehicle Information – Make, Model, Year, VIN #, added safety features, etc.
- Your current Declaration Page
- Any quotes you’ve already received
With this information in hand, you can call or visit an insurance agent in Michigan for a quote. This will help speed up the process and give the agent everything necessary to provide an accurate quote. You should also ask certain questions throughout the process, including:
- What is the minimum coverage I must carry?
- How is Michigan no-fault coverage different from my previous state’s coverage?
- Are there any discounts I qualify for?
- What coverage recommendations can you make for me?
- Any other questions you might have during the process.
As you work with an agent, it’s very important for you to understand your coverage and what will happen in the event of an accident. This is especially necessary if you’re moving from another state with a different type of auto insurance coverage.
With the many additional coverage options, it’s important to understand your Michigan auto insurance quote before you commit to the policy. Make sure you’re getting all the possible discounts and make sure you don’t add unnecessary coverage. For example, if you already get roadside assistance through an auto club, you don’t need to pay for this coverage within your insurance policy.
What Will Your Agent Provide for You?
As you shop for an auto insurance quote in Michigan, your agent is required to provide the lowest possible premium from the companies they represent. Keep in mind, this may not be the best option for you and some agents can search rates from a number of different companies, while others only represent a few. If you feel like you can do better, after receiving a quote, contact a second agent and see if they can provide a better rate.
Additional Coverage to Discuss with Your Agent
When working with an agent to get an auto insurance quote, you want to make sure you discuss additional coverage. Even though the state requirements for bodily injury liability is only 20,000/40,000, the most common coverage is 100,000/300,000. Discuss the difference with your agent and make sure you understand the difference in these coverage amounts in the event of an accident. Other additional coverage to discuss includes:
- Medical Payments
- Property Damage Liability – State minimum is 10,000, but the most common is 100,000
All of these types of coverage are important when it comes to your auto insurance quote in Michigan. Make sure you’re covered properly and you won’t need to worry about some of the stress associated with even the smallest type of auto accident.