What to know when buying car insurance in michigan

Auto Insurance Minimums for Michigan

The state of Michigan requires by law that drivers have a minimum liability insurance ratio of 20/40/10.  This ratio translates into $20K of Liability Bodily Injury coverage per person, $40K of Liability Bodily Injury coverage per accident, and $10K of Property Damage coverage per accident.  This is only the minimum.

The Michigan Department of Insurance strongly suggests that motorists purchase more than the legal limit.  More than 17% of Michigan drivers are uninsured, which means that 1.2 million motorists defy state law.  This does not include the thousands of others that have inadequate coverage. As a result, the Department of Insurance also suggests having uninsured/underinsured motorist protection (UM/UIM).  This may seem like a lot to ask, but finding reasonable auto insurance quotes can be very simple if you take the time to look.

Choosing to drive without auto insurance in Michigan will result in the suspension of your driver’s license.  You will not be permitted to renew, transfer, or replace your vehicles license plate until you can show proof of insurance.  In addition, you must pay a $200 fee for two years.

Purchasing car insurance is simple.  You just need access to basic online resources like Save Today so that you can easily shop around for the best auto insurance quotes in order to find what is best suited to your needs.  On average, Michigan drivers pay $2,010 for auto insurance per year, which really isn’t much compared to the financial risk and anxiety associated with the alternative.

Michigan DUI Law

Driving while under the influence in Michigan is technically called “operating while intoxicated,” or “OWI.” Penalties for breaking OWI laws in Michigan are severe. For a first offense DUI you may lose your license, pay a hefty fine, and even end up in jail. Michigan also has a law called “Operating While Visibly Impaired,” or “OWVI.”

The blood alcohol content level (BAC) limit in Michigan is 0.08% or higher. If you are caught with a BAC of 0.15% or higher, you could face tougher sentencing. Mandatory jail time for first offense DUIs can be as much as 93 days, and those who receive DUIs will be ordered to carry out an agreed upon amount of community service. Fines range from $100 to $500, and the driver must pay to have an interlock device installed in their car. Second time offenders can spend up to 12 months in jail.

Michigan Teen Driving Laws/Auto Insurance Requirements

Due to the high number of teen driving related accidents in Michigan, there are many steps a teen must take in order to obtain a license.  All these steps fall under the Graduated Driver Licensing (GDL) system.

Driver license requirements for teens include passing two segments of GDL and three licensing levels. The system used in Michigan is as follows:

Segment One: Begins as young as 14 and 8 months old. These teens must have permission from their parents in order to receive a driver’s education course with 24 hours minimum of classroom and behind the wheel instruction hours.
Level One License: This is the same as a learner’s license, and a teen must be in possession of this license for at least six months before applying for a level two license.
Segment Two: Teens must complete at least 30 hours of supervised driving while in possession of a level one license, with a minimum of two hours driving at night. In addition, teens must complete six hours of classroom instruction with a certified driving instructor.
Level Two License: Teens must complete segment one and level one licensing to receive a level two license, as well as at least 50 hours of driving experience.
Level Three License: Teens must be at least 17 years old to receive a level three license and have a clean driving record. They must also first complete segments one and two, and have received their level two license.

In addition to having strict licensing laws, Michigan does not tolerate teen drinking while driving. If a teen is caught driving with a BAC of 0.02% or more they will be convicted of a DUI. This amount is equal to about one drink or less. Penalties for drinking under the influence may include a fine of up to $250, 360 hours of community service, restricted driver’s license for 30 days, four points on the teen’s driving record and a payment of $500 in Driver Responsibility fees.

Michigan teens are required to meet the state’s minimum requirements for auto insurance coverage, although purchasing more than minimum insurance is highly recommended.


Age and Car Insurance Rates

Perhaps youth is wasted on the young—but when it comes to car insurance, teens and young drivers pay more in premiums, and if they are buying insurance for the first time, they are likely to receive high car insurance quotes. As drivers mature, they are more likely to pay less, because they are statistically better drivers.Unfortunately, if you are between the age of 16 and 25, you are statistically seen as a high risk by auto insurance companies. As a result, if you are looking to buy car insurance, you are more likely to face high auto insurance quotes if you fall within this age bracket.

Young male drivers face particularly high rates.  This is because young men—especially those who are 16—are responsible for most collisions in the country. It may not seem fair to young men who are great drivers (yes, they do exist) but companies are merely relying on statistics to come up with these quotes. Studies also show that young men are more likely to engage in risky behavior while driving.

Drivers over the age of 75 are also seen as a risk; in fact, people over 75 are seen as the second most risky age group—right behind those who are 16-25. Drivers over the age of 75 cause more collisions than those between 25 and 75.

Interestingly, drivers who fall between the ages of 40 and 50 are considered to be the best drivers, and as a result, they are often offered the lowest car insurance rates. The statistical disparity between the sexes when it comes to auto collisions also begins to close around this time, so men and women who are middle aged tend to receive similar rates.

As you can see, age plays an important role in what kind of car insurance quote you receive. However, it is only one factor. There are many others that go into what your insurance rates will be—including driving history, location, and the make and year of your vehicle.

Furthermore, if you fall within an age bracket that is considered “Risky,” there are things you can do to lower your rates. If you are a young driver under the age of 25 and are enrolled full-time in high school or college, you can get a Good Student Discount if you maintain a B average in your studies. Drivers of any age may also take a safe driving course, or a defensive driving course to lower their rates.

You should always ask your insurance provider if you qualify for any discounts, such as mature driver discounts, or military discounts. Remember the old adage, “Ask, and you shall receive. ”

New York Car Insurance Know How

Auto Insurance Minimums for New York

For motorists in the state of New York, getting an auto insurance quote is crucial, as consequences for not carrying insurance in the Empire State could leave you paying more than those initial monthly rates. For drivers in New York, a minimum amount of liability insurance must be carried at all times or you will pay a huge penalty.

Five percent of all licensed drivers in New York are uninsured. This means that if you don’t get an auto insurance quote you run the risk of losing more than just points on your driving record. Without insurance drivers will lose their vehicle registration, as well as get ticketed and fined. When caught without proof of policy your car may also be towed and impounded, and you will be charged $8 to $12 each day your vehicle is uninsured. If at the end of 90 days you cannot show proof of coverage, you are required to pay a civil penalty of $840.

The best way to avoid expensive fees is to have adequate coverage. With the average yearly cost for insurance in New York being $2,320, getting an auto insurance quote today could be the difference between paying money now, and paying more money later.

New York DUI Law

As with most states, driving in New York under the influence of alcohol or drugs is a serious crime. New York, especially, has a zero tolerance policy for anyone under the age of 21 who drives while intoxicated. If caught and convicted with a DUI, drivers will face up to a year in jail and lose their license for six months.
New York is one of the many states that have an “implied consent” law set in place. This means that a police officer has the right to subject drivers to a chemical, blood, urine or breath test if that officer believes the person in question is driving under the influence.

The blood alcohol content level that is permissible for non minors in New York is under 0.08%. Anything higher than this number will result in a DUI. Furthermore, a BAC of 0.15% or higher can result in sentence enhancements. Minors will be given a DUI if their BAC is 0.02% or above. That’s usually the amount in one drink. Commercial vehicle drivers will get a DUI if they are driving with a BAC of 0.04% or above.

If you get arrested with a DUI in New York, you will be charged with a misdemeanor. You will have to pay a fine, ranging from $500 to $1,000, as well as a conviction subcharge. Drivers arrested with a DUI will spend anywhere from a couple days up to a year in jail, and their license will be suspended for up to six months. Penalties for a second DUI are even greater, and can land you up to seven years in prison.

New York Teen Driving Laws/Auto Insurance Requirements

Teens in the state of New York must partake in the state’s version of the Graduated Driver Licensing (GDL) program. This program follows three basic steps in order to prepare teens for the road. Before receiving an unrestricted license, teens must first receive a learner’s license, and then an intermediate license.

Obtaining a learner’s license is the first step toward driving for a teen in New York. Teens must be 16 years old in order to receive this special restrictive license, and they must possess this license for at least six months before applying for an intermediate license. When in possession of a learner’s license, teens must complete at least 50 hours of driving while supervised, and this number includes 15 hours at night. This is the only way to graduate toward the second step—the intermediate license. Once an intermediate license is obtained, and a driver reaches 17 years old and has taken driver education courses, they may be eligible to receive an unrestricted license.

Teens in New York must carry a minimum amount of $25,000/$50,000 for bodily injury, $25,000/$50,000 uninsured/underinsured (UM/UIM) motorist bodily injury, $10,000 for property damage, and $50,000 personal injury protection (PIP).