If you own a car or drive in Michigan, you may be able to save by insuring multiple cars
If you own a car or drive in Michigan, you are required to carry car insurance. You may think having more than one car in Michigan will greatly increase you insurance costs but when you're looking at car insurance coverage in Michigan, multiple car discount options can help you curb those costs.
Rules & requirements
Michigan is a no fault state for purposes of car insurance law and it has some pretty stiff and specific requirements for 
licensed drivers when it comes to insurance coverage. If you drive in Michigan without insurance, you risk jail time and fines. Even if a police officer pulls you over for a routine traffic stop, you must show proof of insurance. If you cannot show such a document, you may face a fine of $500 and one year in jail.
The minimum levels of coverage required of all licensed drivers by Michigan law are:
Personal Injury Protection (PIP) coverage
Property Protection (PPI) to cover up to $1 million for damage your car does in Michigan to other people's property, such as buildings and fences
Liability in the forms of:
- $20,000 in bodily injury liability for a single person
- $40,000 in bodily injury liability for two or more persons
- $10,000 in property damage liability
For free quotes on your Michigan car insurance rates, click here
Finding multi-car discounts
Multi-car discounts on car insurance coverage in Michigan come from a variety of sources, and you need to learn about the requirements that each company needs. If you insure two vehicles and have more than one driver on the policy, an 
insurer might require that you and the other driver be related by adoption, marriage or blood. The company may also demand that you register both cars to the same home address. If you aren't married with or related to the other driver but you live together, you may need to register both cars in your name.
There are dozens of insurance companies that offer multi-car discounts on auto insurance coverage in Michigan, and the amount that you save depends on the company that you choose:
Affirmative Insurance Company of Michigan - offers a discount of up to 20 percent when you cover more than one vehicle
Allstate - offers a discount of up to 30 percent for multi-vehicle coverage
Other Michigan insurance companies that offer multi-vehicle discounts include:
- Amica Mutual Insurance Company
- Citizens Insurance Company of America
- Horace Mann Insurance Company
- Merchants Mutual Insurance Company
You can save anywhere from 10 to 30 percent off your policy by simply covering two or more vehicles with any of these companies. In some cases, insuring an RV, a boat, a motorcycle, an ATV or even a motorized watercraft can get you quaified for a "multi-vehicle" discount.
When you receive a quote for new auto insurance, always ask the company about any potential discounts. You might find that you can save money off your premium in many ways, beyond receiving a multiple car coverage discount, such as:
- Student drivers who get good grades
- Bundling your home and auto policies
- Attending defensive driving or approved driving education schools
With so many different auto insurance discounts available for Michigan residents, speaking with a qualified insurance professional may be a great place to get started. Reply! can connect you to experienced insurance agents in your area familiar with Michigan insurance laws and rates who will help you get the coverage you need at the price you can afford.