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. Michigan insurers cannot consider factors such as gender, credit score, education level, occupation, homeownership, zip code and marital status when setting premiums. Enrolling in Drive Safe & Save can help you get a discount on car insurance of up to 30% depending on how you drive. 1 You'll get a discount just for signing up.
Each product option offers different protection and safety features. Talk to your State Farm agent or see the details in Drive Safe & Save Mobile for more information. Michigan insurers typically offer discounts that fall into one of three categories: policy discounts, driver discounts, and vehicle discounts. If a car with an OnStar system is stolen, all the driver has to do is call OnStar and the company will be able to track the car using its GPS.
This is why you shouldn't install the device just to save money, especially if you don't have car insurance with full coverage. Aside from that, the best way to reduce your car insurance costs is to compare the rates of at least three insurance companies. Many auto insurance quote systems will allow you to enter the vehicle identification number (VIN) and automatically see the exact model of the vehicle you have. Just about anyone can get a discount on car insurance in Michigan because most insurance companies make it easy to qualify for a variety of savings.
As long as you qualify, the fixed percentage is deducted from your total premiums or from the premiums for some types of car insurance coverage. If you're looking at car insurance rates before buying a car, which is essential to properly budget the costs of your new car, make sure you choose the model that matches the one you're going to buy. Michigan's insurance laws are unique, as it is the only state that requires property protection insurance (PPI). An aftermarket car alarm is a name for any car alarm that is purchased separately from the car itself and installed after the car is manufactured.
Cars with GPS-enabled devices are much more likely to be recovered after a theft, dramatically reducing the risk of theft for the insurance company. Statistics show that more than 721,000 cars were stolen in a single year and that costs insurers a lot of money. Other high-tech safety features that are already available in cars or that will be available soon, such as lane change warnings, automatic emergency braking, backup sensors, lane change warnings and collision prevention assistance, do not yet offer discounts at most auto insurance companies. It is usually controlled by a button on the car key and requires you to take steps to protect the car.
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.