密歇根州的汽車保險昂貴嗎？
密歇根州的汽車保險昂貴嗎？
 I'll apologize first, but I have to disagree with Brandon. Auto insurance IS expensive in Michigan. As of 30 days ago, we have the second highest auto insurance rates in the country. This is kind of surprising if you compare the statutory coverage in Michigan. We have two things that drive up our costs. First we're one of 26 no-fault states. Secondly, we're the only state in the US that has unlimited lifetime personal injury protection. If you're injured in a car accident in Michigan and you're covered by an auto insurance policy, you'll receive unlimited lifetime medical benefits as well as work loss benefits. I personally know people who have been injured in a car accident and been receiving medical care for over 25 years to the tune of over $5,000,000. You'd think we'd have the highest rates in the country. Now, just because the average rates here are higher than some other states doesn't mean YOU have to pay higher rates. There are many factors that determine the cost of your insurance and you can do things to help reduce your cost. Find a good agent and he/she will be able to tell you how to manage your rates.
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