Livonia Insurance: Educate Yourself Before You Buy

The people of Livonia, Michigan, understand how important education is for a successful future --this small western suburb of Detroit has five public and private universities. So when it comes time to select the best insurance policies for their homes and their vehicles, residents of Livonia understand that the best way to get the right coverages it is to educate themselves about all the options they have and to seek out quotes from several different insurance carriers.

Costs and Coverages of Livonia Insurance

In 2007, the latest year for which statistics are available, Michigan residents paid an average of $721 for homeowner's insurance --the 26th highest average premium in the U.S., according to the National Association of Insurance Commissioners. They paid an average of $928 for automotive insurance, which made Michigan the 11th most expensive state in that area.

Although it's valuable to have that information as background, any Livonia insurance quotes that you get could vary widely from this average. Your homeowner's insurance premium, for example, will be affected by many factors, starting with the age of your home, the material from which it is built and its size. Your home's location is also important, since an insurer will want to know how far you live from the nearest fire hydrant or fire station.

While those factors may be out of your control, you can find many opportunities to reduce the Livonia insurance quotes that you receive. Many insurers offer discounts when you install smoke alarms, deadbolts, or security systems in your home. You can also increase your deductible to $1,000 or even more to save an additional 25 percent or more on your premium.

When it comes to getting vehicle insurance, you should know that no-fault automobile insurance is mandatory for Michigan residents. Any Livonia insurance quotes that you get for your vehicle should include personal injury protection (pays for medical costs), personal property protection (pays for up to $1 million in damages your car causes to other people's property) and residual bodily injury and property damage (covers additional costs if you're found liable for an accident).

If you want more protection for your vehicle, you can increase those policy limits or add new coverages, but this will increase your premium. To keep it under control, ask about any discounts available on your Livonia insurance premium for safety features like side airbags or anti-theft devices and alarm systems.