Michigan Car Insurance - Get Michigan Auto Insurance Quotes

Michigan derives its name from a mispronunciation of the Ojibwe (the language of the Algonquian tribe) word "mishigama," which means "large water" or "large lake." Michigan has the eighth-highest population in the country and is the only state that consists only of two peninsulas. Behind only California and Florida, Michigan has the third-highest number of registered boats in the nation. At any location in the state, residents are never farther than six miles from a natural source of water. The largest city in the state, Detroit, is home to America's "Big Three" automakers: Ford, General Motors, and Chrysler.

Because of its dense population, Michigan tends to have rather congested roads and frequently heavy traffic. Under these circumstances, it's especially critical to carry an adequate Michigan auto insurance policy. A solid car insurance policy will allow you to drive legally on Michigan roads and will protect your finances from the potentially prohibitive costs of an accident. Whether you're looking for a basic policy with only the legal minimums or a full-coverage policy, this is the place to find it. All of the information you need to select a Michigan car insurance policy is conveniently available on this page. We have done all the research for you, from reviewing prospective providers to spelling out Michigan's minimum requirements.

As soon as you know what you're looking for in a policy, you can request Michigan car insurance quotes by selecting your location at the bottom of the page. You will see specific, competitive offers in your area on the policy you need. These Michigan auto insurance quotes are free of charge and do not commit you to purchase anything. Of course, you can pursue any of the policy offers you see, but you are also free to save the quotes on Michigan car insurance and return later. If you need assistance at any point, please use the toll-free number at the top of the page to contact us. Our staff is ready and willing to assist you with finding the perfect Michigan auto insurance policy!

Before shopping for a car insurance policy, every driver should take the time to research Michigan auto insurance requirements. Michigan is a no-fault state, which means that every driver is responsible for his/her own medical expenses regardless of fault.If you sustain injuries in an auto accident, Michigan auto insurance laws require your insurer to pay the claim for your medical expenses even if you did not cause the collision. Because Michigan is a no-fault state, all drivers must carry a policy with PIP coverage. PIP stands for Personal Injury Protection and provides assistance with medical expenses as well as lost income or funeral expenses.

PIP may also extend to other passengers in the vehicle at the time of an accident; however, consumers should check with their insurance company first before making this assumption. Most drivers should carry more than the minimum amount of PIP coverage specified in Michigan car insurance requirements unless they have a generous health insurance policy, in which case additional coverage might be unnecessary. Although not required by Michigan car insurance laws, collision and comprehensive coverage are wise additions to most auto insurance policies.

Without collision, you would have to pay to repair or replace your car out of pocket after an accident for which you were at fault. If you have collision, your car insurance company will pay for the damages less a deductible that you pay out of pocket (typically $500-$1,000). To comply with Michigan auto insurance requirements, drivers must also purchase certain amounts of liability coverage. Liability insurance pays for the medical expenses and/or property damage of other drivers when the insured is at fault for an accident. Michigan car insurance laws require $20,000/$40,000 of bodily injury liability and $10,000 of property damage liability.