Michigan Auto Insurance Quotes

Liability and property damage are the parts of auto insurance that pays for expenses when you cause an accident. Beyond the medical and property damage expenses, legal costs from lawsuits are also included. And with current high legal costs, it makes sense to follow the experts advice and get at least $100,000 in liability per person and $300,000 per accident. And for property damage it's suggested to get at least $50,000 protection when you get your Michigan auto insurance quotes.

If your in an accident caused by a driver with inadequate or no insurance, the uninsured or underinsured motorist part of your policy would pay for your medical or other expenses. The coverage amount you ask for with your Michigan auto insurance quotes should be sufficient to cover costly medical bills, so usually $100,000.

The portions of your auto insurance that are optional are collision and comprehensive coverage. Collision covers vehicle expenses in an accident and comprehensive is for vehicle damage from other causes. Both cost less with higher deductibles and can be eliminated it your car is old and not worth much. And the medical payment coverage of your policy may be kept to the state minimum if there's overlapping protection from your health or other medical plan.