Getting Citizens Insurance Michigan coverage can be a bit confusing to almost anyone searching for the best possible rates. This is especially true for new drivers who are not up to date on all of the state’s guidelines.
Michigan has unique auto insurance laws that you should familiarize yourself with to get legal coverage and save the most money. All you need to do is enter your zip and fill out a quick application. Compare Citizens Insurance Michigan rates in about five minutes.
Michigan Auto Insurance Requirements
Before you buy a Citizens Insurance Michigan policy, you need to take a look at the coverage requirements. There are four types of mandatory coverage all drivers must purchase:
Personal Injury Protection or PIP: This critical type of coverage is also referred to as “no-fault” and PIP benefits. Michigan is one of several states that make PIP coverage mandatory. PIP will cover you for medical bills, lost wages up and to a given limit, personal care (in-home nurse), and replacement services. If you sustain severe injuries in a crash, PIP coverage will kick in.
PPI or Property Protection Insurance: This type of mandatory Michigan auto insurance covers you in the event you cause “tangible” property damage. This type of damage includes many incidents, such as parked vehicles, fencing, landscaping, flowers, etc. Citizens Michigan Insurance has low-cost PPI coverage with limits starting a $1 million.
Residual Bodily Injury Liability: This type of Michigan coverage will cover you if you are at fault for an accident that results in severe injuries to another person. The law in Michigan requires $250,000 minimum limits for bodily injury per individual person and $500,000 per incident.
Regardless of Michigan minimum requirements, it is wise to carry coverage of at least $500,000 per person and $500,000 per accident. Citizens Insurance Michigan can get you high-limit auto insurance with direct rates that can save you hundreds.
Property Damage: This coverage will protect you if you get into an accident you cause to another person’s car outside of Michigan. In the state of Michigan, you are required to carry a minimum of $10,000 in property damage. For example, let’s say you go to Wisconsin and back into another vehicle and do minor damage. With this type of coverage, you will be covered up and to the policy’s limits.
Residents in Michigan pay some of the highest auto insurance rates in the U.S. These high rates make comparing the cheapest Michigan car insurance quotes all the more important. With Citizens Insurance Michigan, you can review up to ten direct quotes for the type of coverage you need and easily find the cheapest plans.
Every Michigan auto insurance quote covers you for the minimum state-required coverage and a lot more. Most Citizens Insurance Michigan plans come with free roadside assistance coverage and 24/7 claim assistance.
You’ll find that getting both quality Citizens Auto insurance and saving money is more straightforward than you might think. Citizens Insurance has been around for decades and focuses on providing the best coverage at the lowest possible rates to Michigan residents. Get a free quote and see how easy it is to save hundreds.
Michigan Auto Insurance Basics
Let us start off by looking at the basics to get you adequately insured in Michigan. There are essential requirements that you should be aware of before purchasing a policy. After you read the info below and are still confused, don’t worry; a licensed citizens insurance Michigan agent can walk through the process and give you helpful tips on getting insured at the best possible rate.
Like almost any other state, automobile insurance is mandatory in Michigan. So you cannot get around it if you plan on driving. The good news is that there are low minimum liability amounts in the state, which can help you get quality coverage. As state earlier, familiarize yourself with the laws in Michigan and the basic coverage required. Citizens agents will often refer to each type of coverage in a shortened way, such as PIP and PDL insurance. A good agent will go over your needs and budget and design a basic plan to get you quality coverage at rates that fit into your budget.
No-Fault Car Insurance in Michigan
For drivers who think they are very responsible behind the wheel and want to save much money on insurance premiums, a Citizens Auto insurance Michigan minimum No-fault policy can only cost you around $2 a day or less.
If you get a simple no-fault system, it might be wise to buy extra medical coverage. This will cover you just in case you have a severe accident that costs you over $10,000 in hospital bills. Talk to a veteran agent first and make sure you and your family are totally comfortable getting a basic bond policy before purchasing.
PIP Insurance can be cheap but let us dig a little deeper and go over a few more points. There are some other considerable expenses that your PIP Insurance will cover, which included the following:
- Your children or family members in your immediate household are up to your limit.
- Your child, when injured while on a school bus or in pedestrian traffic areas or even on a bicycle.
- Finally, any passengers in your vehicle at the time of the accident who do not have their Personal Injury Protection coverage will be insured under your policy, given that they do not already own an automobile. The coverage, of course, includes you if you are hurt in someone else’s vehicle.
PDL Insurance coverage from Citizens Insurance Michigan
Property Damage Liability coverage in Michigan will insure you for any damage to another person’s property for which you are responsible. It includes, but is not limited to, homes, boats, buildings, and so forth. Additionally, Citizens Insurance Michigan has some of the cheapest no-fault insurance in the state. We can get you the best possible coverage at unbeatable rates. Start your free quote now and see how easy it is to save hundreds on Michigan car insurance.