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Insurance Facts For Michigan Consumers: 2007 Buyers’ Guide to Auto Insurance.pdf

September 25, 2008 · Filed Under Insurance  · Tags: ,

Taken from Intro: Each year the Michigan Office of Financial and Insurance Services (OFIS) conducts a survey of auto insurance companies to find out what they charge for different policies in different areas around the state.

This rate survey is designed to show how much rates can vary from company to company and to help you find the coverage you want at the best possible rate.

Contents:

  • Michigan No-Fault Automobile Insurance
    No-fault insurance is required by law in Michigan. Every car owner must buy certain basic coverages in order to register a vehicle in Michigan. It is against the law to drive, or let your car be driven, without no-fault insurance. The basic no-fault policy has three parts:
  • Optional Automobile Insurance Coverages
    There are some optional insurance coverages you may wish to consider. State law does not require that these coverages be purchased.
    Your no-fault insurance does not pay for repairs to your car if it is damaged in an accident. If your car is properly parked and hit by another car, the other driver’s insurance will pay for your repairs.
    Except for this situation, the only kinds of auto insurance that pay for repairs to your car are collision and comprehensive coverage. Several of the examples in the guide include these optional coverages.
  • Automobile Insurance Eligibility
    This guide is a survey of rates for four sample driver households who are eligible for auto insurance under the law. An eligible person for auto insurance is a person who has a car registered in Michigan or has a valid Michigan driver’s license. However, there are times when a company can refuse to ins ure you.
  • Saving Money on Auto Insurance
    The survey rates have been determined using the rating factors specified in each example. However, your actual premium will be determined using the characteristics of your household members and vehicles. It is important to shop around to find the lowest premium, but there are other ways to further reduce your cost of auto insurance.
  • Listing of Possible Discounts
    Many insurers offer discounts for safety features like anti-lock brakes, air bags and anti-theft devices. You may also be eligible for a discount if you have two or more policies with the same insurance company (i.e. homeowners and auto policies). If it’s a significant discount, it may be worth insuring both your auto and home with the same company.
  • How to Use the Survey
  • Insurance Companies in this Survey/Rating Territories
  • The Michigan Automobile Insurance Survey
  • Insurance Company Websites
  • Shopping for Auto Insurance Worksheets

This buyer’s guide is available FREE at Michigan State website, we merely collect the information, we are neither affiliated with the author(s), the website and any brand nor responsible for its content and change of content. (Read our disclaimer here or here before you download the document from the website written above by clicking the below link).

Download free Insurance Facts For Michigan Consumers: 2007 Buyers’ Guide to Auto Insurance.pdf (26 pages pdf file, 0.3 MB).

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Comments

3 Responses to “Insurance Facts For Michigan Consumers: 2007 Buyers’ Guide to Auto Insurance.pdf”

  1. Va Sovath on December 3rd, 2008 1:34 pm

    I really want to research in this book.

  2. roni on February 3rd, 2009 11:19 pm

    where is the link to download?
    i can’t found it.

  3. admin on February 4th, 2009 12:03 am

    Sorry, my fault I forgot to put the link on it.
    Fixed now!

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