Auto Insurance Farmington Hills, MI

How would you like to spend less on an auto insurance policy in Farmington Hills, MI? No matter whether you would like to pick up a new policy or change out a current one, we’ll assist you in getting the Farmington Hills auto insurance quotes you need – online! In fact, we’ve established a relationship with popular auto insurers in Farmington Hills to enable you to check bids from a wide array of carriers right from the comfort of your home. Examples of such insurance companies include Allstate, GEICO, Nationwide, Progressive, State Farm, and a great many more!

To get started, simply submit your local zipcode in the field provided. We will automatically show you a long list of Michigan car insurance companies. After that you can evaluate pricing quotes, plans, and eligibility prerequisites.

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Car Insurance in Farmington Hills, MI: Find Great Deals

Saving money on your Farmington Hills car insurance quotes is not hard. Here are a few simple strategies to spend less.

  1. Make Your Insurance Deductible Higher
  2. Reduce Collisions and Traffic Violations
  3. Improve Your Credit Scores
  4. Put Two or More Autos Within One Policy
  5. Minimize The Distance You Drive
  6. Look on The Internet For The Best Rates


Auto Insurance Requirements You Need to Know in Farmington Hills, MI

If you live in Farmington Hills, you are required to have car insurance.

Let’s have a look at the car insurance laws in the state of Michigan that apply to all Farmington Hills motorists. Michigan has laws mandating the minimum sum of maximum liability coverage you will have to carry. Very often, you might find these liability thresholds quoted as 3 dollar sums, like $20,000/$40,000/$10,000.

Below are the Auto insurance minimums in Michigan:

  1. Bodily Injury Liability Limit for Single Individual: $20,000
  2. Bodily Injury Liability Limit for All: $40,000
  3. Property Damage Liability Limit: $10,000

Why not get a car insurance quote online?

How Much Liability Protection Should You Really Carry?

Although the minimum auto insurance in Farmington Hills and the rest of Michigan is $20,000/$40,000/$10,000, you might want to opt for higher limits. That’s because these limits rarely rise, yet health care fees have risen dramatically in the previous several years. This is why most professionals such as the Insurance Information Institute urge shoppers to go with $100,000 of bodily injury coverage per person and $300K for every accident, at minimum.

Farmington Hills: No-Fault Insurance Required?

Under no-fault auto insurance laws, you must pay medical bills for both you and your passengers, regardless of who was at fault in the accident. No-fault auto insurance laws are meant to reduce insurance fraud, which has become a big problem in some states. When it comes to MI auto insurance law, no fault insurance is the law.

Farmington Hills Uninsured Motorist Coverage?

You are not required to have uninsured motorist insurance in Michigan. Uninsured motorist protection, otherwise known as UM/UIM coverage, pays for costs resulting from a hit-and-run or an accident with an uninsured driver. Many experts suggest that you obtain UM/UIM insurance, regardless of whether UM/UIM protection is required where you live or not. This is because close to three in 20 American drivers don’t have auto insurance coverage, according to a report released by the Insurance Research Council (IRC).