Hi there, I am a freshman college student and with all my good grades in school, it earned me a car. It was my mom’s present and of course way of her saying that I have to keep my grades to the maximum. My problem now is how to get a student car insurance quotes in Michigan. I don’t want my mom to be spending too much for my car insurance so I want to get a good deal out of the many car insurance companies here in my place.

Jenny

Ann Arbor, Michigan

Hi Jenny, that was nice of you to think of saving your mom some money by asking for student car insurance quotes in Michigan. That is actually a good first step there in getting you a college student car insurance. However, hopping around for good deals can be a daunting task.

The first thing you can do is to do your homework by researching online. There are many car insurance companies who can give you student car insurance quotes in Michigan for free. Ask about their rates, policies, discounts, etc. If you prefer to talk to someone in person, then visit a local car insurance broker. They will be able to provide you with student car insurance quotes in Michigan as well.

Do you also know that college student like you who have good grades can get a discount? When asking for student car insurance quotes in Michigan, remember to tell car insurance agents that you have good grades at school. Having a consistent A’s or B’s can help your mom save; you will surely get lower student car insurance quotes in Michigan.

I am planning to move to Michigan from Arizona and I would like to know if my car insurance will be cheaper in Grand Rapids, Michigan?

Harold

Grand Rapids, MI

Auto insurance coverages are different in Arizona and Michigan. Lets start with the state of Arizona.

Arizona law requires that all automobiles driven in roadways needs to be covered with liability insurance with an insurance carrier licensed to do business in the state of Arizona. The minimum liability insurance in the state of Arizona is 15/30/10 and this means $15,000 for bodily injury liability per person up to $30,000 per accident and $10,000 for property damage liability.

In the state of Michigan, the car insurance coverage that needs to be purchased are Personal Injury Protection (PIP), Property Protection (PPI) and Residual Bodily Injury and Property Damage Liability Insurance (BI/PD). The Residual bodily injury and property damage liability (BI/PD) pays if you are found at fault, for any damages caused by a car accident up to the limits of your car insurance policy.

In Michigan, the minimum liability limits that needs to be purchased is 20/40/10. This coverage means $20,000 per person up to $40,000 per accident and $10,000 for property damage liability. You have the option to purchase Residual bodily injury and property damage liability (BI/PD) for additional coverage.

It will still depend on different factors whether your car insurance rate is cheaper in Grand Rapids, Michigan than in Arizona. You can get car insurance quote here to have an idea what your car insurance rate will be when you move to Grand Rapids, Michigan. Good luck!

Will my auto insurance rate be expensive as a new driver even though I am a twenty five years old female, can I shop around for a free auto insurance quote in Grand Rapids, Michigan?

Adrian

Grand Rapids, MI

Insurance carriers in most states are permitted to have their own rating system. These insurance companies typically look at many factors when determining a car insurance rate and driving experience of the driver can be one such factor. Age may also be a rating factor and typically at around age twenty five auto insurance premiums will drop compared to a driver who is 16 to 24 years of age.

If you are a newly licensed motorist at age of twenty five then your car insurance rates in Grand Rapids, Michigan will be higher than others that have been driving for nearly ten years but may not be as high as a newly licensed driver at the age of sixteen, since you may be thought of as more mature. The car insurance rates will likely though still be higher than another twenty five year old female that has been driving for a more years because this individual has a driving record for the insurance carrier to check.

The best thing to do is as new driver is to shop around for auto insurance rates since different insurance providers have different rating factors.

My 18 year old daughter lives at home and drives my vehicle that has full coverage. We have another vehicle with just PLPD. I’m the only person insured on them. Will my daughter be covered if she is not listed as driver? I’m in Redford, Michigan, a ‘no fault’ state. I was just thinking why I should have to list her if I’m already paying full coverage on the car and the older vehicle is insured. As long as, I pay my auto insurance and the vehicles are in my name, is it really necessary to list my teenage daughter on my policy as a driver?

Jane

Redford, MI

Right now, your cars are insured. However, they are insured for you – not your teen daughter. You will need to add your daughter as driver on your car insurance policy, or you run the risk of having your insurance company deny a claim for an accident. Insurance providers want you to list all of the household members who will be driving your cars. Insurance carriers also want you to list as drivers on your insurance policy those people who do not live with you but will be driving your cars on a regular basis. If they do not live in your household and they occasionally drive your cars, you may not have to list them to your insurance policy. The reason to add your teenage daughter (and other drivers) is it permits the insurance carrier know who will be driving your car(s) and permit them to collect the proper car insurance rate.

Physical damage coverage consists of comprehensive and collision coverage. Collision insurance generally covers damage to your car caused by collision with another object or by upset. Comprehensive insurance on the other hand covers damage to your car from vandalism, glass or theft breakage.) Most lien holders require physical damage coverage if you are leasing or financing your car. Also coverage is just that…coverage. It is not permission for a person to drive. Also, if your teen daughter is going to be driving your car(s), I suggest that you call your insurance provider in Redford MI as soon as possible to add your daughter on to your policy as a driver.

How long does a DUI ticket affect your car insurance rates. I live in Grand Rapids, Michigan.

Anthony

Grand Rapids, MI

Michigan adopted an .08 BAC standard for drunk driving violation in 2003. A person that is under the influence of alcohol can be charged with impaired driving or drunk driving. Drunk drivers who got convicted will be subject to a fine of $1000 penalty for two years according to the driver responsibility program.

If you get convicted of drunk driving (DWI) for the first time in MI results may be up to 93 days in jail, up to a $500 fine, up to 360 hours of community service, up to 180 days with a suspended or revoked license, 6 points on a driver’s license, with a suspended license possible after thirty days.

Alcohol violations stay on your driving record for a minimum of ten years. As for car insurance premiums, they will typically be affected for at least three years after you have been convicted of a DUI/DWI.