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Purchase Michigan's minimum car insurance requirements. Michigan requires three kinds of car insurance coverage: personal injury protection (PIP), bodily [link widoczny dla zalogowanych] and property damage (BI/PD) and property protection insurance (PPI). None of these kinds of car insurance coverage protect against damage and theft, though; for those kinds of protection, you must purchase comprehensive and collision [link widoczny dla zalogowanych] car insurance policies.
Purchase a multi-line policy. A multi-line policy means you have more than one kind of insurance policy from the same insurance company. For example, some people purchase both their health insurance policies and their life insurance policies from the same insurance company. Talk with one of your current insurance companies about the different kinds of insurance they offer. You may [link widoczny dla zalogowanych] end up [link widoczny dla zalogowanych] purchasing a cheap car insurance policy [link widoczny dla zalogowanych] from your homeowner insurance company, or vice versa.
Consider a multi-car policy. [link widoczny dla zalogowanych] A multi-car policy - when you have added more than one car to your current car insurance policy - provides a discount on your car insurance in Michigan. This doesn't mean you [link widoczny dla zalogowanych] should run out and purchase a new car to get a multi-car policy; however, if your spouse or teenager has his or her own car and insurance policy, join up [link widoczny dla zalogowanych] and get a discount.
Ask about other special discounts. Other special discounts include those intended for good drivers, good students, senior citizen discounts, and discounts based on the location in which you live as well as the car you drive and its safety features. Some car insurance companies in Michigan offer discounts specific to their insurance company. For example, one Michigan car insurance company may offer discounts [link widoczny dla zalogowanych] to [link widoczny dla zalogowanych] drivers who drive for a certain period of time with no [link widoczny dla zalogowanych] accidents or traffic infractions.
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