Auto insurance discounts in Michigan; good driver, drivers with a clean record and no history of claims save on insurance. Some insurance companies reward you with a discount for improving your driving skills by taking a class. In Michigan, some insurers allow you to take the Basic Driver Improvement Course (BDIC) at a discount. The course is completely self-directed and requires only four hours of study.
Take and pass the exam and you will receive a certificate of completion that you can send to your insurance company for a discount. If you drive under a certain number of miles, you may be able to save money on car insurance rates. Low mileage discounts offer reduced premiums for annual miles that are below a certain limit. Usage-based discounts offer discounts for acquiring good driving habits (they are controlled by a device that is placed in the vehicle).
If you maintain an accident free driving record, you could get additional savings. From your age to your vehicle and where you live, many factors help determine your car insurance rates. You can face multiple penalties if you're caught driving without at least the minimum car insurance required in Michigan. You'll receive another discount simply for owning a home, even if your home isn't insured through Progressive's network of home insurance companies.
Auto insurance in Michigan is expensive because it's a no-fault state with high insurance coverage requirements. You can get discounts on auto insurance in Michigan depending on how you drive, the car you own, and your relationship with your insurance company. Drivers who are denied auto insurance on the open market due to drunk driving or other factors can apply for coverage through the Michigan Auto Insurance Placement Service. If you're driving in Michigan and want to get a discount on your car insurance, here are some ways to do so.
The analysis included 5 to 10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. You can demonstrate your financial responsibility by maintaining minimal car insurance with no gaps in coverage. Michigan's insurance laws are unique, as it is the only state that requires property protection insurance (PPI). Additional savings are available if you have other State Farm insurance products, such as homeowners, renters, condo or life insurance, in addition to vehicle insurance.
Searching for cheap car insurance quotes with several insurers is the best way to find lower rates. See NerdWallet's guide to car insurance requirements by state to learn more about how the mandatory and optional coverages of your auto policy work in Michigan. But the main reason Michigan drivers pay more for car insurance than anyone else in the country is that it's the only state with unlimited insurance. While people in their 60s have cheaper car insurance rates than many other age groups on average, prices will start to increase as they age.