According to Michigan's Department of Labor and Economic Growth, there are many ways to get cheap car insurance in Michigan, and most of them work with any car insurance company in Michigan.
Things you've done in the past, are doing now, and will do in the future can help you get cheaper car insurance in Michigan.
Past
If you have been with the same car insurance company for a certain amount of time, you may be eligible for a long-term policyholder discount. You may also get a cheaper car insurance rate in Michigan if you haven't had any tickets or accidents in a certain amount of time. Also, you might get a discount on your Michigan car insurance if you have a degree beyond high school or have kept a certain GPA for a certain amount of time.
Present
You are more likely to get cheap car insurance in Michigan if you belong to an approved group, have a good credit score and credit history, don't have any young drivers on your policy, pay higher deductibles, and only buy the minimum collision coverage. Your age and income are also important. In Michigan, drivers over 65 and drivers from low-income families can also get cheap car insurance.
Future
Even if none of the above describes you, you can still get cheap car insurance in Michigan by making some changes. Think about getting your car insurance from the same company where you get other insurance, like your homeowner's insurance, or insure more than one car on the same car insurance policy. Take a driver's education course and work on fixing your credit score. Also, try to drive more safely. Making sure your car is as safe as possible and always wearing your seatbelt are additional ways to get cheap car insurance in Michigan.
