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Top 3 insurance companies in Michigan

Auto insurance policies are quite expensive in Michigan, and residents pay higher rates as compared to other states. People spend a large sum of almost $1364 on car insurance while the national average is $1009 approximately.

People in Michigan have to pay their medical bills, irrespective of whether the driver caused the accident or not. When you cannot cover your costs on health insurance, it is essential to have full auto insurance coverage. A comprehensive auto insurance coverage will protect more than just your vehicle, which is especially useful when it comes to the winter weather and gutters on the road in Michigan. Michigan is a state that can get regular winter storms, and in 2018, AAA reported a 32 percent increase in damaged tires because of Detroit’s potholes.

Drivers in Michigan need minimum insurance coverage to drive a car in the state. They need policies with $20,000 bodily injury liability per person and $40,000 per accident. They also require property damage liability cover of $10,000.

Let us look at the best auto insurance companies in Michigan.

Auto-Owners Insurance: They are an award-winning insurance company which is ranked among the 2017 JD Power’s US Auto Insurance Research. They have an A++ rating in financial stability. Additionally, they have supplemental coverage as well. It includes rental reimbursement coverage, roadside assistance coverage, as well as coverage to provide the owner with assistance when it comes to a reduction in the car’s value. They have a Personal Automobile Plus coverage that protects you and your vehicle from property theft, redoing the keys, and other expenses. Other auto insurance companies do not cover user-installed equipment like stereo, external attachments like wings on a hatchback and other non-conformal stuff. They even give a discount when you pay back on time, pay the full amount or make payments online.
Allstate: They have procured an A+ rating for financial stability. Allstate offers rideshare coverage through its Allstate Ride For Hire® service. Michigan has rules that require Lyft and Uber to carry a rideshare coverage. Even without this rule, it is best for Uber drivers to such a coverage policy for their vehicle because anything can happen at any time. Allstate recently announced a tie-up with Uber to give commercialized auto insurance to Uber drivers. Thus, when it comes to rideshare coverage, Allstate is the best auto insurance company in Michigan.
State Farm: State Farm has an A++ rating on the financial stability parameter. This rating places State Farm above Allstate Insurance. However, their offices are slowly shutting down in other states, and they plan on closing their operations in Michigan by 2020. Despite this, they are the largest and most trusted auto insurance company in Michigan. As a way of shedding expenses, it is tough to say if they will give discounts or cut back on a few policies as opposed to following a shutdown policy. Currently, they do not do full coverage for automobiles.

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