What type of car insurance should I get in Michigan?

Question

I understand that Michigan is a no-fault state, and as a result everyone gets this PLPD insurance or something. I'm moving from Pennsylvania and had full coverage on my car for about $90/month. I thought PA and MI were both no-fault, but it seems different and the rates I'm being quoted for the same insurance in MI are higher. I'm so confused!! Also, right now I am on State Farm. I'm 25 but on my mom's plan, and I am getting married/changing my last name and I now live in Michigan so it is past time for me to pay for my own insurance.

Right now I'm on State Farm, and there are agents both here and in PA, but their rates seem to be high.

Answer 1

Michigan is a wierd state for insurance. If your car is worth anything, you will have to have physical damage coverage. Reason: If you are in an accident, the most you can collect is $500.00 from the other insurance company ( it is called a mini tort) unless you ae legally parked at the time of loss. As the laws are this way, the rates are higher as the Insurance co's cannot collect the damages that they paid out from the other person's insurance co due to the law only allowing the mini tort $500.00. Also, the closer you are to Detroit, the higher the rates due to the high incidence of auto theft in that area.

Answer 2

At - INSUREGRADES.INFO- you can compare free quotes

RE What type of car insurance should I get in Michigan?

I understand that Michigan is a no-fault state, and as a result everyone gets this PLPD insurance or something. I'm moving from Pennsylvania and had full coverage on my car for about $90/month. I thought PA and MI were both no-fault, but it seems different and the rates I'm being quoted for the same insurance in MI are higher. I'm so confused!! Also, right now I am on State Farm. I'm 25 but on my mom's plan, and I am getting married/changing my last name and I now live in Michigan so it is past time for me to pay for my own insurance.

Answer 3

I'd recommend calling a local multi-insurance agent here in Michigan. Find out where you are moving to, and then check the phone listings for insurance agents. You might find a better deal that way.

If you have $90 per month, that was because you were on a multiple car discount. I know of no person in Michigan that can get full coverage at that rate in Michigan. So be prepared to pay more here in Michigan. This is why we use PLPD insurance instead of full coverage.

One way to reduce your insurance rates here is to ask for a higher deductible (which means you pay instead of say, $250 you pay $500 of the claim), but make sure you have that amount of room on your credit card. You will save more money in the long run, because you are not as likely to get in an accident as you are to pay premiums every 6 months.

Welcome to the Great Lake State!

Answer 4

Only $90 a month with full coverage in PA? Well, you must not have lived in Philly! PA is not "no-fault". PA has comparative negligence and if you are at fault, your insurance will pay the other person's damage. People throw around the term "no fault" very liberally when most of the time the term actually refers to medical benefits coverage that you carry on your policy that pays if you get hurt regardless of fault. One state can be a higher insurance state, just as areas within a state can be that way. If you moved from a lower insurance state where the risk is low to a different area where it's higher, you can expect to pay more. Plus being under your mom's policy may have offered you a different rate than what you'll get now, on your own, married in a different state. I don't think you can really compare the two.

Answer 5

True. Michigan is a no-fault state. However, there are different types of collision coverage in the state. Each one costs a different amount and each one had its benefits. The most expensive is broad-form collision. Which means if you are not at fault for an accident then your deductible is waived. Second, is standard collision which is like any other collision. Lastly, there is limited collision. This collision is frankly not very good. If you at fault in an accident you will not have collision coverage on your car. Now, if you are not at fault then your coverage will apply. Limited collision and standard collision your deductible will always apply. Comprehensive is just the same as anywhere else. Plus, Michigan has the best medical benefits of any state if you are in an accident because of the lifetime benefits you received if you are injured.

Answer 6

PLPD means Personal Liability Property Damage. It is required in Michigan.

Beyond that, you can purchase full coverage with a variety of deductables.

Rates vary from city to city, state to state, and car to car.

Answer 7

The best thing for you to do is call a independent agent they write for more than one company and can quote all the companies for you you can give my office a call 734-525-2345 as for if you should take full coverage or plpd it depends on the value of your vehicle and the difference in pricing from where you lived to michigan is medical

Answer 8

michigan car insurance

Answer 9

Try AAA, you know the auto club. I have my auto and homeowner's policy through them. They can compete with GEICO's rates. If your new husband has a good driving record, as you do, your rates will be better than single rates, but probably more than $90 a month!

Answer 10

Tey to get a rate quote from http://www.surfquotes.com/autoinsurance.html You should be able to save some money