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Michigan Insurance Quotes

Michigan insurance is not the beloved industry in the Wolverine state to say the least, but there are actually far fewer complaints than most residents think. According to Michigan’s Office of Financial and Insurance Regulation, the vast majority of Michigan insurance companies have less than one complaint for every million dollars in written premiums. Many companies have complaint rates of less than one complaint for every four million dollars in written companies, no small achievement.

Still, for many Michigan residents, insurance can feel like it might disappear the moment it’s needed. To avoid this tragicomic truism of the insurance business, you need to find a company with honest policy-writing practices and reliable financial resources. Fortunately, NetQuote has you covered. Before you solicit Michigan insurance quotes, take a look at some basic information on the most common forms of insurance in the state.

Common Types of Michigan Insurance Quotes

  • Michigan Car Insurance: Michigan car insurance is 20/40/10 ($20,000/$40,000 for bodily injury liability and $10,000 for property damage liability). That said, many residents upgrade their insurance policies from these minimal, often insufficient, levels. Along with higher coverage allowances, you should consider buying uninsured motorists insurance, mini-tort insurance to protect yourself again certain types of lawsuits, and collision and comprehensive coverage for more valuable and/or lien-held automobiles.
  • Michigan Homeowners Insurance: The average cost of Michigan homeowners insurance is just below the national average ($714 vs. $804). Lower median home prices and a relative lack of extreme weather certainly help. That said, don’t confuse the market value of your home with the property value that needs to be insured. The current housing crisis has created an enormous disparity between how much homes are selling for, compared to the cost to rebuild a destroyed home. Unless you plan on taking a settlement and walking away, you should make sure your home’s replacement costs are insured. Also, if you live in a flood plain, flood damage isn’t covered under standard policies so make sure you buy a supplemental insurance rider.
  • Michigan Health Insurance: Michigan has likely seen a more dramatic shift in its health insurance demographics than any other state over the last year. In 2008, Michigan had fewer uninsured residents than the national average (11.7% vs. 15.4%) due mostly to a larger percentage of residents who received employer assisted insurance. Needless to say, the last year took a large chunk out of this number, though specific data hasn’t been collected yet. Worse, Michigan has few health insurance protections and subsidies for people seeking health insurance on the individual market.

Finding Michigan Insurance Quotes

The good news is that finding Michigan insurance quotes for health, auto, home, business or life insurance is not hard. There are thousands and thousands of insurance companies in the state. You can find them in the phonebook, online, or through the state’s Office of Financial and Insurance Regulation. But how you find these Michigan insurance quotes will play a large role in the ease and confidence with which you can choose the right company for you. This is where NetQuote comes in. Just fill out our quick and easy online form, and we’ll match you to the insurance companies that best fit your profile and insurance needs. You’ll still have several, reputable companies to choose from. Moreover, these companies will know that you’ve been matched to other competitors. And, if you needed further convincing, you’ll be able to review quotes for your home, auto or business from the comfort of your own home, minimizing any pressure you might feel to buy an insurance policy on the spot.

Michigan Insurance Information By City:

Detroit Portage Roseville
Ann Arbor Livonia Farmington Hills
Lansing Flint Dearborn
Southfield Warren Battle Creek
St. Clair Shores Sterling Heights Pontiac
West Bloomfield Township Royal Oak Taylor
Grand Rapids

Local Insurance by State

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