There are a number of discounts available on the cost of car insurance in Michigan. One simple way to pay less in premiums is to consider a higher deductible. When a car insurance owner agrees to pay more toward the cost of the damages incurred as the result of an accident, he or she reaps the benefits of lower rates. It’s important to consider the deductible level carefully, since this money must be paid out of pocket before the insurance company will pay out on the claim.
In Michigan, car owners can coordinate their auto insurance coverage with their health insurance and get better rates as a result. This option does not apply to people who are under Medicare, Medicaid or a Medicare supplemental policy. Coordinating coverage works by making the health insurance provider responsible for paying out on injuries sustained in a car accident. The car insurance coverage pays for expenses that are not covered by the health insurance policy. Before making the decision to coordinate benefits, the customer should check with his or her health insurance company to confirm that it will pay for medical bills incurred for injuries that are related to a car accident before agreeing to coordinate coverage.
Other ways to save on the cost of car insurance in Michigan are to drive a vehicle with safety features, such as seat belts, anti-lock brakes or air bags. The insurance company will be able to provide a list of discounts available to customers.