How do I get car insurance in Michigan?

I live in Michigan and am looking into getting a car and car insurance. Everyone around me complains about how expensive it is. How can I get car insurance and is there any way I can lower the cost?

Answer
While Michigan is one of the most expensive states for car insurance in the country, it’s easy to make sure you have coverage.
First, you’ll want to shop around to make sure you’re getting the best deal. You can do this by requesting car insurance quotes from multiple companies or having Jerry do the work for you. Jerry is a car insurance comparison app that finds you the best rates and coverage from up to 50 top insurance providers.
When shopping around, you will need the following on hand:
  • The vehicle you’re purchasing’s VIN (vehicle identification number)
  • Your driver’s license number
  • Your date of birth
  • Your address
  • Marital status
  • Recent driving history (claims, accidents, or driving courses)
  • Social security number
  • Type of coverage you require
Once you choose a policy, you can lower the cost by looking into discounts. Common discounts include:
  • Driving training
  • Defensive Driving
  • Anti-theft devices
  • Good driving behavior or telematics
Once you find a policy you like with a price you can afford, you can purchase the policy. After you purchase your policy and it’s effective, you are officially insured!
Lauren Smith
Answered on Nov 02, 2021
Lauren has written for World Nomads, the Matador Network, Korvia Consulting, and once upon a time Three Fates Games. She graduated from Columbia College of Chicago with a BFA in Creative Writing. After graduating, she moved overseas and lived in South Korea where she spent her free time traveling and going on road trips with friends. She misses the rest stop potatoes and is trying to figure out how to recreate them at home. She's now based outside of Chicago and when she's not writing she spends her free time reading, playing video games, and exploring whenever she can.
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