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. All University of Michigan faculty and employees can save up to 35% on Meemic car insurance. Call today for a no-obligation car quote. You can prove your financial responsibility by maintaining minimal car insurance with no gaps in coverage.
Friedlander says that major domestic insurers, as well as most regional insurers, offer discounts for good drivers. You can also save money on car insurance by having specific security features, such as GPS, anti-lock, etc. Almost anyone can get a discount on car insurance in Michigan, since most insurance companies facilitate requirements for a variety of savings. There are a lot of factors that explain why car insurance is so expensive, but there are ways to avoid those high costs and get a discounted rate.
By having a cheaper car, such as an SUV, you will reduce the cost of insurance compared to larger cars, such as a sedan or van. Auto insurance in Michigan is expensive because it's a no-fault state with high insurance coverage requirements. There are several unique reasons why car insurance is also increasing every year in Michigan, even if your details remain the same. Lauren McKenzie, insurance broker for A Plus Insurance, says that you can usually qualify for a valid driving discount after your insurance company publishes a report on a motor vehicle.
Michigan insurance laws are unique, as it is the only state that requires property protection insurance (PPI). This can happen when your insurer extracts your motor vehicle registration report at the time of renewal, or when it uses its own claims data to determine if you are still eligible, says Alyssa Thao, vice president of insurance products at Clearcover. For example, you can get a discount for accredited drivers that significantly decreases what you pay for car insurance. Airbags, anti-lock brakes and anti-theft alarms are features that can discount your car insurance.
You can face multiple penalties if you're caught driving without at least the minimum car insurance required in Michigan. Aside from that, the best way to reduce your car insurance costs is to compare the rates of at least three insurance companies. Each auto insurer has its own specific guidelines for the level of discount applied, says Mark Friedlander, director of corporate communications at the Insurance Information Institute.