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Michigan Cheap Car Insurance
To get cheap car in Michigan, you must first start with Michigan’s minimum car requirements. After all, there is no reason to purchase cheap car if it is not going to be deemed a legal amount of coverage.

With the exception

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of motorcycles and commercial motor vehicles, all cars in Michigan must carry no-fault insurance. You can not register your car in Michigan without first having no-fault car insurance. In a nutshell, no-fault provides car coverage for you, the policyholder. The other party involved is covered by his or her own car company.

There are three kinds of car coverage required by Michigan: personal injury protection (PIP), bodily and property damage (BI/PD) and property protection (PPI). A car policy in Michigan covering these three components is a basic car policy.

None of these car requirements provide coverage in the event your car is damaged or stolen. In Michigan, you must purchase collision coverage and comprehensive coverage in order to insure your car in the event of damage or theft. Collision car coverage provides coverage for damages to your car, while comprehensive car coverage provides coverage for theft of your car or its components and contents.

Michigan drivers are able to get cheap car when they opt to purchase only the PIP, BIPD, and PPI car coverage requirements. Collision car coverage and comprehensive car coverage is not normally required of Michigan drivers unless they have borrowed money to purchase their cars and their lenders require those coverages.

Of course, there are many other ways to get cheap car in Michigan without simply purchasing the minimum car coverage requirements. Ask your car company or agent about the various discounts for good drivers, good students, driver education course completion, and multi-line policies that they offer and whether you are eligible.

Article Source: Articles Beyond Better

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