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Auto Insurance Quotes Michigan

Don't people who are constantly gloating about how cheap they managed to buy this, that or the other just make you sick? They're the poster children for the auto insurance industry-drivers that are paying rock bottom rates for their coverage. These are America's most hated consumers, and the country's most valuable teachers. Why?

Because they can teach you how to haggle down your auto insurance rates.

Wait. You can haggle about your auto insurance rates? Why didn't anyone mention this before?!?! Well, see, you have to look at the broad definition of the word "haggle" here. This isn't one of those situations where you're going to be able to call up a couple of carriers and get a collection of auto insurance quotes, then say, "No, I don't want to pay that much. But I'll give you this much."

You're going to be quickly introduced to the multiple ways you can be hung up on if you even try.

Haggling about your auto insurance rates is more a matter of knowing what can save you money on your coverage and acting on it. You see, when you first buy an insurance policy you usually get the short story about your rates. They'll ask about the distance you drive and what, exactly, you use your car for. Agents have access to a database that shows them the manufacturer's safety features, and they'll confirm those with you. They'll get your address and take a look at your driving record, then they tell you how much your insurance is going to cost.

This is all well and good, but it definitely doesn't cover everything! For example, did you know that engineers and teachers are statistically less likely to be involved in car accidents each year and, as a result, pay less for their coverage? Or that you can install a GPS locator system or fuel switch and knock 10% off your coverage in the blink of an eye? These are questions that your agent isn't going to ask, and if you don't let them know you're going to end up paying way too much for your insurance!

So what else can save you money on your insurance?

1) Your job.

2) Your location.

3) What kind of car you have.

4) How high your deductibles are.

5) How much coverage you have.

6) Whether you carry multiple policies with that company (for example, insuring your home and your car with the same provider).

7) Your age.

8) Where you park your car at night. (Do you have a garage? Knock off some more money, because you're seriously knocking down the chances that your car will be stolen or vandalized.)

It's amazing what can help you save money on auto insurance these days, and as long as you know that you're going to be in a prime position to get a great deal-and be King of the Lab when you're talking about your insurance rates.

Frequently Asked Questions

  1. QUESTION:
    Does anyone know of Good coverage/ reasonable priced home owners insurance?
    I have tried AAA and their quote seemed outrageous. Is there an insurance company that you know of that offers good coverage at a reasonable price? I am also looking to switch my auto insurance.

    It would be for a home in Michigan.
    What is an independent insurance broker? how do I get in touch with one?

    • ANSWER:
      There's no "one size fits all" cheapest insurance company. One is best for old houses, one for rural houses, etc.

      There's no short cut - you'll have to shop around, to find the cheapest one for YOU.

      You can find a local, independent agent at www.iiaa.org

  2. QUESTION:
    What does my old roommates credit score have to do with MY auto insurance premium?
    I had a roommate who per my Insurance Co (AAA of Michigan) had to be listed as a "household" member. I got a good price and purchased the policy. My roommate moved and when I got my renewal notice he was listed as "household member". I called AAA and informed them he had moved and was no longer part of my household. I was then informed that because of HIS credit report I had received a better price and that now his credit score didn't apply anymore. He was NEVER insured on the policy. My premiums have now almost DOUBLED. Is this legal? Doesn't seem right that my roomies credit can affect MY insurance premiums. (I was never told that was why I got the rate I did..I was just quoted a price and purchased policy)

    • ANSWER:
      Correct - if they are a roommate, they ARE a household member. Everyone who lives with you, is a member of your household.

      Whoever you talked with, at AAA, has no idea what they are talking about. The only credit score that counts, is the one with the named insured - NOT the listed drivers. If he was NEVER a 'named insured' than his credit score was never used.

      If you had him as a policyholder, then they COULD have used his credit score - they'd use whichever is HIGHER, yours or his. But you're saying this wasn't what happened.

      I'd pull a copy of YOUR credit report. I'd strongly suggest that something drastic has happened to your credit since your policy renewed LAST year - like maybe your identity was stolen, and you don't know about it.

  3. QUESTION:
    good auto insurance?
    i have quite a complicated issue with insurance
    1. im CANADIAN andi go to school in the states but do not hold a Michigan drivers license -however i CAN get one
    2. i have no document history in michigan so this puts me at a high premuim

    so is it possible for the insurance companies to insure me in michigan and use my canadian driving history....im 21 years old female...also i was thinking if it is possible to put it under my parents plan who are canadians but if they could purchase an american insurance plan and use there canadian driving history to get a quote...thanks!!

    • ANSWER:
      You really need to talk to an insurance company to find out all this. Usually they won't because of the status of the people...like your parents aren't citizens of the state and that is not legal here anyhow. Maybe so close to Canada it may be. So, it is worth asking. I think you'll have to buy it on you and males of your youth are the highest risk and the states and the areas base premiums on the probability of an accident happening to you and that is based on the amount of actual accidents that did happen in the past...that is how some areas have lower premiums than others do. Lets say NYC, you'd have to be really wealthy to own a car and insure it right? Good luck and I pray that things fall in place for you and you will be able to drive soon. Miss Mary

  4. QUESTION:
    Auto Insurance, if I get in accident &don't tell police, change my quote, then tell company?
    In better step to ask my question... (i'm in Michigan)

    1. I get in accident
    2. I didn't call police to report that I get in accident, I crashed to sand buckets in highway.
    3. From having lowest payment of quote, I change to full coverage.
    4. Then I will call my insurance company that I get in accident about a week later, so they don't suspect me.

    Is this right or wrong? Can I do this? I don't want to pay too much on fixing my car...

    Thank you very much for your answer!

    • ANSWER:
      when you go for full coverage you want collision/the company sends you to their contracted garage for inspection before they issue policy/shame on you/everything you think of to defraud these companys has been done in 1949/sooooooo come up with something new/that includes phony accidents with phony injuries etc/been there done that

  5. QUESTION:
    Just got into an auto accident, now what?
    I got the persons info first, next I called the police and they filed a report. No injuries and no air bags deployed.

    But now I have a damaged car...

    The accident was not my fault. I am in Michigan and its a no-fault state. The other driver had insurance from state farm. The cop gave her a ticket for not being able to make a safe stop.

    Tomorrow, I will call her insurance company (closed on Sunday) . Then I will take my car up to the auto shop to get a quote to see how much damage was done.

    Am I doing something wrong, or what else should I do? Do I need to sue her to get my car fixed? I have never been in an accident before. Any advice?
    Ken, I have insurance on my car from AAA. It's not full coverage, but I do have insurance.

    The car is going to be 17 years old soon. Its a 1994 cutlass supreme convertible. That I have spent over 5,000 dollars in the last five years. Rebuilt trans, top and a full repaint. More recently like last month, tires, ball joints, struts, brakes, and trailing arms.
    I have talked with State Farm and they will call me back within 1-2 days.

    They way the insurance guy made it sound was, she was at fault and I could get my vehicle fixed.
    They said wait until I hear back from them to get a quote. They will tell me what auto shops I can go to.
    If I can only get 500 to get this car fixed, I will take the money and buy a bumper, tail lights and trunk lid from a junkyard for 100 bucks and then just have those painted. From a friend of mine who owns a shop. Real quality work.

    I have no problem doing the work myself. The only thing I won't touch is the body work on the quarter panel.

    • ANSWER:
      You do not need to sue. If she rear-ended you and got a ticket, you're good. You can call and speak to a third party from state farm, just call the number and it will direct you to a person. They will ask you a series of questions and tomorrow a state farm rep will call you back. Call them today to report it. If you do so before their insured does it makes them look worse.

  6. QUESTION:
    Is a 1990 Nissan 240sx a good first car?
    I found one cheap and am looking for info...
    Does it get decent mpg?
    Is it easy/cheap to maintain? (i have to buy the car myself and pay for all repairs, so the fewer the better...)
    Could I drive it in the snow? I live in Northern Michigan and we have snow about 5 months a year (yuck) so i need to know if a novice driver could learn to handle it in the snow (its an auto tranny). It's also very hilly here, so could it take snow AND hills? With decent snow tires?
    Will insurance be crazy? My mother is going to pay the insurance but I still dont want something with hundreds of dollars of insurance per month (i'll probably be put on her quote, so that should help)

    Thanks!!

    • ANSWER:


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