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Of all of the fifty states, Michigan's car insurance laws are probably the most extreme. It has the strictest no-fault car insurance laws, and it is the only state that guarantees unlimited, lifetime medical benefits to motorists injured in auto accidents. On top of that, it is also one of the top-ten states for deer accidents, ranking in at #2, just behind Pennsylvania. With all of this in mind, you might be surprised to learn that car insurance rates in Michigan are on the decline, dropping two percent in 2006, and predicted to fall by even more in 2007. The questions Michigan drivers need to ask themselves are: 1) Why? and 2) How can I save? Read on.
Why are car insurance rates in Michigan on the decline and how can you save? Because Michigan consumers are shopping around.
Consider this: Car insurance companies in Michigan paid an average of $26,744 for each personal-injury-protection claim in 2006, compared to just $18,535 in 2001. The average collision claim went from $2,498 to $2,730 in the same period. So how did rates come down and why are they expected to come down even further? According to Pete Kuhnmuench, executive director of the Insurance Institute of Michigan, "Michigan consumers have a wide array of options when buying an auto insurance policy," and that's the reason rates have fallen. "Michigan consumers … should shop around," he continued.
Shopping around for car insurance can save you big money - sometimes as much as $230 a month! And it isn't hard, either. Here is a simple, five-point check list of what you should do in order to properly begin your pursuit of savings: