Is There Something Special With Auto Insurance in Michigan?

By: Ian Koch

Most of us have at least one car or auto. All car owners know how important and necessary it is to have a good auto insurance whether you live in Michigan, California, Texas or wherever. Most of the time we in the car, things are running like it always runs and we do not even think about the possibility of us being victims of a traffic accident. But the problem is when the accident comes it comes all of a sudden, whether we want it or not. With an auto insurance we can at least have some financial compensation, no matter how severe an accident eventually will be. Reviewing the webpage that covered Automobile insurance coverage in Michigan brought several things to mind. What is distinctive about auto insurance in Michigan? The insurance companies of America and Michigan have been offering for some time what is called Esurance. These websites guarantee the quotes that they can make and the insurance coverage for all makes and ages of automobiles. Esurance also has the added advantage of being able to show comparison costs.

When you request quotes on these Esurance sites remember you must be a licensed driver of the state of Michigan. It will ask you for your local residence and your consent to there disclosure policy. These firms, with your approval will check your local driving record, existing and past insurance claims, and your credit history. If you desire multiple quotes then you will have to provide further information required by those other insurance companies.

Michigan is rated by the NHTSA as number 12 out of 51 (50 states and the District of Colombia). This ranking is determined by the number of deaths per 100 million vehicle miles traveled by all the registered motor vehicles in that particular state. This is known as the VMT and Michigan has a VMT of 12.73. Logically this places Michigan almost at a median value for establishing a national "average", in terms of policy cost.

A comparison of European countries shows that France is closest to Michigan with a VMT of 12.9. European rankings place Michigan with Austria. Auto insurance quotes in the mid cities can be further lowered if you use the Michigan Automobile Insurance Placement Facility. This allows economically disadvantaged citizens of Michigan to obtain affordable auto insurance.

Another innovation Michigan has created is EARS (Electronic Application and Rating System). This digital marvel allows the automatic registration and insuring of all vehicles manufactured after 1990 and rated with a symbol of 27 or higher.

So Michigan has several distinctions that make it unique in auto insurance.

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