What to Look for in a Full Coverage Automobile Insurance Quote in Michigan

When you are in the market for an automobile insurance policy in Michigan, consider a full coverage policy. Full coverage will protect you and your car regardless of the situation. Many drivers do not realize that their auto insurance is not adequate until they are involved in a serious collision. The cost of paying for both medical care and property damage can reach beyond the scope of a typical car insurance policy.

In Michigan a driver only needs to purchase a minimum amount of liability coverage to satisfy state laws. A good idea for anyone who wants some added protection is to purchase an increased limit of residual liability coverage. In Michigan this can amount to $ 50,000 per person per accident, $ 100,000 for all people involved per accident and $ 25,000 for property damage. Naturally a driver can add even more coverage if they choose.

Limited Property Liability Damage Insurance can also fall under the umbrella of full coverage insurance. With this protection, if the driver is deemed responsible for an accident they are covered up to the $ 500 limit that the state set. This only applies to accidents in which there are expenses that are not covered by collision.

Whatever options you decide on in your full coverage policy be certain that you take time after you purchase a policy to read through it. You want to ensure that you have a thorough understanding of exactly what you are covered for so there are no misunderstandings should an accident occur.

Also each year when your policy comes up for renewal, reevaluate your situation to determine if you still need all the coverage you've got. As your car ages you may be able to drop some of the coverage which will result in a savings for you. At the same time, you can gather a few new quotes just to be certain that you are paying the lowest price possible.