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Having Trouble Finding Low Premium Car Insurance in Michigan? Get Quotes & Save.

Posted on: January 12th, 2010 by admin


Low Premium Car Insurance In Michigan

Michigan is ranked near the top of the list when it comes to car insurance costs nationwide.  Despite this disheartening fact, you can still find Low Premium Car Insurance in Michigan.  I will help you find it.  There are a lot of reasons that lead to the high cost of auto insurance in Michigan and they are constantly being debated at all levels of our society and government.  The main reason that Michigan has such high rates is the high level of coverage that our policies provide.  Michigan’s auto insurance policies are often referred to as the Cadillac of auto insurance plans.  One of the leading reasons for our higher costs is the medical payments portion of the policy.  In most states policyholder’s have the ability to pick the amount of medical coverage and wage loss protection that they desire on their policy.  In Michigan we do not have a choice.  If you are involved in an automobile related accident you are eligible for medical coverage. 

The medical portion of your policy in Michigan will provide bodily injury protection to an insured, relative, or any other person while occupying or injured as a pedestrian by your car.  Michigan’s car insurance policies will provide unlimited medical care and will reimburse you for wages lost as a result of your injury for up to 3 years.  In most other states clients are able to pick the dollar amount that they desire for medical coverage.  In Michigan you do not have that option.  You are forced to pick unlimited medical coverage.  While you may be thinking it is nice to know that you will have unlimited medical care if you are involved in an accident, you should also be thinking about what it does to the price of the insurance.  This is where the bulk of our higher costs come from.  The good news is that the state government is considering revising this issue and will hopefully allow clients to choose their coverage in the future.  Until then, we are forced to deal with our current situation.  Now that we have uncovered one of the reasons for our higher costs lets now look for ways to save you money by finding Low Premium Car Insurance in Michigan.  It can be done.

Here is my suggestion.  About 6 months ago I was shocked when I opened up my auto insurance renewal bill to see that they were raising my rates once again.  I was fed up and decided to shop around.  What I found is that there are significant price discrepancies from one auto insurance company to another.  I found an online insurance comparison site that provided me with car insurance quotes from multiple auto insurance companies.  All I had to do was fill out a simple insurance quote request and then the quotes starting pouring in for me to review.  In the end I saved a significant sum of money.  If you click on the link above it will take you to the site that I used in my search for Low Premium Car Insurance in Michigan.  I hope this article has been helpful.  Have a wonderful 2010.

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