lifesituation
Life situation
Buying your first car
The dealer will not release the car without proof of insurance, and the policy you choose in the finance office is rarely the one you should keep.
Whatchanges
What changes
- Michigan requires no-fault coverage: personal injury protection, property protection, and residual liability.
- A financed car requires comprehensive and collision.
- Your rate depends on the household, not just you — who else lives at the address matters.
What to do, in order
- Get a quote on the VIN before you sign; some models cost far more to insure than their price suggests.
- Choose your PIP medical level deliberately; unlimited is still available and still recommended for most people.
- Carry liability above the state minimum — 250/500 is our standard — and match uninsured motorist to it.
- Ask about gap coverage if you financed most of the price.
- Bind the policy the morning of pickup and bring the ID card.
Coverage
Coverage to check
Get auto optionsStart with auto. Then the rest.
Auto
What does comprehensive auto insurance cover?
Comprehensive pays to repair or replace your own car when it is damaged by something other than a collision: theft, vandalism, fire, hail, flood, falling objects, and…
AutoDo I need uninsured motorist coverage?
It is not required in Michigan, but it is the coverage that pays you when the driver who hurt you has no insurance or not enough. Roughly one in five Michigan drivers…
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Other life situations
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