Finding cheap car insurance in Michigan isn't like doing brain surgery, even though it can feel like that at times. You just have to know what you need, what you could use, and what is available.
Buy the minimum car insurance that Michigan requires. Michigan requires three types of car insurance: personal injury protection (PIP), bodily injury and property damage (BI/PD), and property protection insurance (PPI). But none of these types of car insurance coverage protect against damage and theft. For that, you need to buy comprehensive and collision car insurance.
Buy a policy with more than one line. When you have more than one type of insurance from the same insurance company, you have a "multi-line policy." Some people, for instance, buy both their health insurance and their life insurance from the same insurance company. Talk to one of the insurance companies you already use about the different types of insurance they offer. You might buy cheap car insurance from the same company that covers your home, or vice versa.
Consider a multi-car policy. In Michigan, you can get a discount on your car insurance if you have added more than one car to your policy. This is called a "multi-car policy." This doesn't mean you should go out and buy a new car so you can get a multi-car policy. If your spouse or teen has a car and insurance policy of their own, join up with them and get a discount.
Ask if there are any other special deals. There are also discounts for good drivers, good students, and senior citizens, as well as discounts based on where you live and what kind of car you drive and what safety features it has. Some Michigan car insurance companies offer discounts that are only good with their company. For example, one car insurance company in Michigan may offer discounts to drivers who haven't been in any accidents or broken traffic laws for a certain amount of time.
