Multiple car discounts on car insurance coverage for families in Michigan

Michigan has a no-fault auto insurance policy and some of the most expensive car insurance rates in the nation, but that doesn't mean you need to pay full price for your insurance. Multiple car discounts on car insurance coverage are available for families in Michigan, allowing you to pay less for auto insurance without sacrificing the safety of your family.

Michigan's no-fault auto insurance requires that you have insurance before registering your car in the state or obtaining new license plates. The law requires that you have:

• Personal Injury Protection (PIP)
• Property protection
• Residual liability insurance for property damage and bodily injury

These policy requirements help ensure that you get assistance with paying for your bills in case you are involved in an auto accident and that anyone injured in that accident receives coverage. If you do not have insurance and the police stop you for any reason, you can have your license revoked and face a $500 fine and/or one year of jail time.

For free quotes on your Michigan family's car insurance rates, click here

When you first start shopping for auto insurance for your family, you might think that the estimates are a little too high. If that happens, ask your provider about family auto insurance coverage multi-car discounts. These discounts generally apply to families with one or more drivers and at least one vehicle registered to one home address. Depending on your provider, you might find that you must meet certain requirements before you can take advantage of the discount.

For example, State Farm only gives the discount to those who have two or more drivers living together. The two drivers must also be related or share ownership of the vehicles in the policy.

While a multi-car policy can help you save money, you should also look at other discounts that your provider offers. You might save even more when you:

• Switch your home or other insurances to the same company providing your car insurance coverage
• Attend a qualified driving school
• Maintain your car insurance coverage with the same company for a set number of years
• Maintain a safe driving record
• Some companies even offer discounts if you cover a college student living in a different state

If your Michigan family is facing the prospect of high car insurance costs, you may be able to take advantage of multiple car discounts. Speaking with an experienced insurance agent is one step you can take to find out which policies offer the best discounts and Reply! can put you and your family in touch with local insurance professionals eager to help you protect your family with the best possible coverage.