5 Best Car Insurance Options in Michigan
The top best car insurance options in Michigan you can find include GEICO, USAA, Progressive, Auto Owners and State Farm. Customers rated this insurance options high due to their competitive price, excellent customer care and numerous discounts. Find the best option for insurance to suit your needs.
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Due to a large number of insurance companies in the region, looking for the best car insurance options in Michigan can be a daunting task. If everything was perfect, there would be no need for car insurance. However, the chances of a driver surviving life without having at least one collision or accident are slim.
According to 2019 data, Michigan is well known for its large number of registered cars and high accident rate. It’s a mandatory for all car owners to obtain an insurance policy. Car owners should look for an insurance provider that provides more than just coverage: price, customer service and peace of mind while paying for your premiums should be considered.
We performed a random analysis of the best car insurance companies to look for when shopping for an insurance policy in Michigan.
GEICO insurance
It is not only the largest auto insurance company in the country, but also highly rated as the best insurance options in Michigan by its customers. Geico benefits car owners with discounts and add-on coverages that other insurance companies do not offer, including roadside assistance, rental car reimbursement, and mechanical breakdown insurance.
Due to its low average rates, the company emerges as the best insurance company in Michigan State, though it is not the cheapest when compared to other insurance companies like USAA and progressive. Geico insurance company has an annual premium for a full coverage rate of $1467 and an A.M. financial stability rating of A++, as well as a customer satisfaction rating of 851/1,000.
USAA insurance
Despite its limitation of only serving current and former military officers or immediate members of military families, USAA ranks second in the insurance industry for offering competitive rates 40% less than the average national average, numerous ways to save, and excellent customer service.
The company’s strong mobile and online presence are the factors in ranking the second-best insurance company in Michigan. Over 70% customers rated the company highly and stated that they would recommend it to other customers and that they would renew their policy with USAA.
Auto Owners insurance
Auto owners have rated the best insurance company in Michigan due to its excellent add-on coverages including diminished value coverage, gap insurance and common loss deductible. With Auto-Owners’ common loss deductible coverage, your car and house are both insured, and if they are both damaged in the same accident, your deductible will be reduced by the amount of your home deductible, or the entire amount will be waived.
The company’s average annual premium for full coverage is $1982, it has an A++ financial stability rating, and it has an 845/1,000 J.D. Power customer satisfaction rating. The company conducts its coverage transactions through independent agents, making it unsuitable if you prefer to handle your insurance on an individual basis.
Progressive insurance
The Progressive insurance company has all of these options if you want budget-friendly insurance with unique coverage options, multiple ways to save, and round-the-clock customer service. Progressive has a J.D.Power customer satisfaction rating of 824/1,000, an average annual premium for full-year coverage of $1,394, and an AM best financial stability rating of A++.
Another factor is the $699 average savings that customers receive when switching to Progressive insurance. The majority of customers agreed to renew their progressive insurance policy and recommend the company to other customers.
State farm insurance
If you are looking for an insurance company that has programs that benefit young drivers, such as good student discounts and steer clear discounts, which can save you money and ultimately teach you safer driving habits, State Farm Insurance is the company for you.
The only disadvantage of state Farm insurance is that its full coverage premiums of $3856 is higher than the Michigan average. You can offset the high average full coverage premium with the company’s numerous discounts they offer
Shop the best car insurance options in Michigan
Insurance is required for all car owners in the state of Michigan, and it should be the first thing you do before purchasing a vehicle. Once you’ve determined its purpose, it’s time to begin sorting through motor vehicle insurance to find the best deal.
It’s a good idea to look over more than two insurance policies to compare things like coverage and price, examine each insurance provider’s claim handling history to learn more about them. Even if they have the lowest price, an insurance company that will not pay a claim should be avoided.
Understanding the prices and what is included in the cost premiums for insurance coverage will assist you in making the best decision for your specific situation. It is very simple to obtain information about insurance companies from their websites that will assist you in understanding their coverage level and how they arrived at the average cost.
