Your driving record, the type of car you drive, and where you live all affect the cost of your Michigan car insurance, as do your age and gender.
Even though it's probably not a good idea to have surgery to change your gender just to get cheaper car insurance in Michigan, you can improve your driving record by reducing the number of tickets and violations you get, buying a safe car or making your current car safer, and making sure your car is stored safely no matter where you live.
Changes like these take time, and if you live in Michigan, you need car insurance right now. It's a legal requirement, after all. So, how can you get cheap car insurance in Michigan while you wait for those points on your driving record to go away? By getting the minimum car insurance that Michigan requires.
Here are the minimum car insurance requirements in Michigan:
$10,000 to cover damage to someone else's property.
$20,000 for coverage in case one person gets hurt or dies.
$40,000 to cover everyone who was hurt or killed in the accident.
Before you purchase Michigan's minimum car insurance requirements, make sure you are eligible. Many people have to buy more than the minimum amount of insurance for a variety of reasons. The most common is that they bought their car with a loan and haven't paid it off yet.
Talk to family and friends who live in Michigan and have cheap car insurance. You might want to find out which insurance companies they use to cover their cars. Talk to insurance agents about any discounts you might be eligible for before you make a decision.
