Insurance Rates in Michigan

There are a variety of factors which could increase or decrease (yes, some policies do decrease!) the cost of your car insurance in Michigan. Here are just a few:

Accidents involving property damage or bodily injury
Your age, credit score, and if you have homeowners insurance with the same company
Whether or not you are at fault for an accident

Back in the good old days it was a set percentage per accident. These days it is much more complicated. Companies use complex metrics and "rating variables" (which number in the hundreds) to rate your policies. So in other words a 10mph speeding ticket will not increase my policy the same as it would to your policy.

So it is very likely that your auto policy will be rated much differently than your neighbor's policy. Do yourself a favor and don't listen to the person who always seems to have the best rate and the best coverage. Chances are they don't (on both fronts). The only way to get the best rate on auto insurance in Michigan is to shop around and force the insurance companies to make their best offer to you.

Advice & Planning

You should speak with your insurance representative prior to making any changes to your policy. Our intention is to give Michigan residents an easy way to see if they are paying to much for their auto insurance policies. You will be contacted by insurance professionals to discuss your quote further if you'd like, it is a good idea to go over your specific, personal situation with them prior to making any decisions.