Should I Change Auto Insurance Companies To Get a Better Rate?
Reader’s Question:
I already have auto insurance in Michigan. Is it advisable to change companies if I find one that has better average car insurance rates?
Phil
Detroit MI
Some people claim that switching to different companies saves money since you get lower average car insurance rates. Hopefully after reading this, you’ll understand what to do before changing insurance companies.
Before changing insurance companies in Michigan, get a good estimate on what it will cost you in the long run. There are insurance companies that tell you they will give you this rate but it doesn’t last until the end of your insurance policy. In the end, you get to pay a whole lot more. Study the policies well. Compute how much they cost not only when you buy them but also in the days and even years to come.
Studying policies will also inform you of the possible increases in your insurance. If there are any other things that you need to know then make sure that you do. Switching policies entail a lot of things and costs is just one part of it.
Here’s another thing that you need to look out for when changing policies. Make sure that there are no fees. If you change companies suddenly and unexpectedly, your present insurer could charge you fees for that. What this means is that when you plan to go to a different company, ask your current one what happens if you do. Changing companies may mean low average car insurance rates but the extra fees will balance it out.
Don’t think for a second that changing insurance policies simply means paying different fees. It’s not. Further, don’t be drawn into the mindset that just because a deal looks promising, it is the best deal out there for you. Remember, if its too good to be true, it probably isn’t.
In order to avail the most of what your insurance policy has to offer, get all the data or information so that you will know how much it costs. Being covered is a good practice, but always take advantage when you can to get the average car insurance rates that you want.
Can I Use an International Drivers License In Michigan?
Filed under: Non owner Michigan insurance, SR22 Insurance
Reader’s Question:
I will be staying in Clinton, Michigan, will I be needing US drivers license to insure my vehicle for just three to six months? Can I use my international drivers license to drive in Michigan?
Robert
Clinton, MI
If you are going to purchase an insurance policy in Clinton Michigan you should expect to have an US driver’s license or obtain one for you to be be insured in the US.
It may be possible auto insurance companies that will sell you a policy you in the United States using your international drivers license, but many insurance carriers would require you to get a drivers license in the state you live in, (in your case, in Michigan) before buying car insurance or within thirty days after getting insurance coverage.
I am not aware of any specific insurance company that allow this but when getting a car insurance quote online (you can begin here by typing your zip code! it is free!) and check if there is an option to list if you have an international license or you can shop around in Clinton Michigan for insurance carriers that allow this.
Some insurance carriers will likely require you to have a drivers license or in the process of getting a US drivers license. It is wise to start getting car insurance quotes now so you may know how much car insurance you should expect to pay when you get here and purchase insurance.
16 Year Old Teen Driver Auto Insurance In Michigan
Reader’s Question:
I live in Michigan. My 16 year old daughter is buying a car. Can it be titled under her name alone?
Tim
Pontiac, MI
The Department of State for Michigan states that there is no age requirement for titling a car in Michigan.
It is unlawful though to knowingly sell a car to an emancipated teen or minor without written permission from a parent or guardian. A consent document completed by the parent or guardian of the minor at the time of the sell is needed by the seller. By law, the seller is required to keep this consent form by parent or guardian for three years.
Your daughter will also need a parent or guardian to sign on any other legal papers such as an insurance policy while she is still a teen or minor.
Can 17 Year Old Teen Driver Get Their Own Auto Insurance In Michigan?
Reader’s Question:
Can a 17 year old teenager in the state of Michigan maintain auto insurance under their own names?
Jerome
Detroit, MI
The Department of State for Michigan state that there is no age restriction for titling a car in Michigan and no minimum age for getting auto insurance.
A Michigan insurance law called the Essential Insurance Act guarantees that home and car insurance will be available to all eligible citizens in Michigan. The law states that you are eligible for car insurance if you have a vehicle registered in Michigan or have a valid (not suspended or revoked) Michigan driver’s license.
If you are 17 year old teenager, and therefore still a minor, you will also need a parent or guardian to sign on any other legal papers such as an insurance policy since insurance providers normally will not permit you to sign by yourself until you are 18 and considered an adult. So the insurance policy may be under your own name at seventeen but with the consent of an adult since they may be held liable for your actions as a teenager if you fail to fulfill your obligations.
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