Cheap Michigan Auto Insurance Quotes
Before we proceed to the factual information and advice, let us speculate a little. Michigan auto insurance requirements are almost identical to those in Hawaii: both require 20/40/10 of liability coverage plus personal injury protection, and neither requires uninsured motorist coverage. Could auto insurance coverage in these states be so similar for the reason that MI and HI have similar geographies? Of course, this is in jest, but read on.
Hawaii is made up of islands surrounded by water; Michigan 
is made up of 2 peninsulas surrounded by water. These states have some of the longest shorelines in the USA, both are popular tourist destinations, and both have huge numbers of watercrafts. The residents of these two states live very close to natural water sources. This was just an interesting thought we wanted to share; now, let us take a look at how automobile insurance works in Michigan.
In MI, policyholders carrying the state-required cheap auto insurance minimums are covered for the following: their liabilities and their personal injuries. Liability coverage is meant to protect the at-fault party from large financial losses they would incur if they had to pay money to the victim on their own. If a driver carries only the state-required 20/40/10 of liability coverage and is deemed at fault in a vehicle accident, their insurer will pay up to $20,000 per one person they injure, $40,000 for all people they injure, and $10,000 for all of the property damage they cause in this accident.
The fact is that forty thousand dollars may be insufficient to cover all the injuries to all of the victims in a serious car accident, as well as ten thousand dollars may not be enough to cover all the damages to the vehicle(s) of the victims. That is why specialists advise us to increase our liability limits at least several times that of the minimum liability requirements in MI. As an extra add-on, you will find some helpful information on the Michigan Department of State website.
Now, let’s take a look at PIP – personal injury protection. Similarly to liability, carrying insufficient amounts or going for cheap auto insurance quotes of this coverage can result in serious financial difficulties. PIP covers the policyholder and their family, and may cover other people in the policyholder’s car as well. In case of a serious accident involving a few people from the policyholder’s side, small PIP limits may not be enough to cover everyone’s injuries. That is why it is vital to take a good look at the amount of PIP coverage stated in your policy and decide whether it is sufficient for you and your family’s protection.
Now that we know what the required coverage protects you from, let’s see how you can increase your protection further, if you wish. We will state the most common automobile insurance coverage types with brief comments: comprehensive (covers damages to a stationary car), collision (covers damages to a moving car), GAP (covers the difference between ACV and loan balance), rental car (provides a rental car), umbrella (increases liability for home and auto), roadside assistance (assists with inoperable vehicles), and uninsured/underinsured motorist (covers/increases your bodily injury and/or property damage coverage). As you can see, there are a few coverage types that you may want to purchase in addition to those required in MI.
