Big Rapids, MI is a smaller city, but its roadways still see their fair share of car — particularly along State Street, Perry Avenue and 3rd Avenue. You have the risk of being involved in a collision every time you get behind the wheel of your car, and this risk increases according to the number of other drivers on the road. Fortunately, when you are backed by a suitable Big Rapids car insurance policy, you do not need to worry about experiencing significant financial losses in the wake of an accident.
Finding reliable insurance at an affordable price is easy when you work with one of the many independent insurance agents in our network. These local agents can provide you with a selection of competitively priced Big Rapids car insurance quotes from a number of reputable insurers. They can also explain your coverage options and answer any insurance-related questions you may have. Find an in or near Big Rapids to learn more.
- National average cost per year: $1,311
- Michigan average cost per year: $2,476
- #1 most expensive auto premium in U.S.
Auto insurance rates in Michigan are significantly higher than the national average, so comparing policy costs when shopping is important. Of course, the average rates listed above can only give you a general idea of what you might expect to pay. Actual rates can vary significantly from one person to the next because they are calculated according to a number of different variables. Some factors that insurance companies may use to rate risks and determine rates include the following:
- The ZIP code in which you live
- The location where you park your car: garage, carport, driveway or street
- The approximate number of miles you drive per year
- The make, model, year and safety features of the vehicle(s) you wish to insure as indicated by the vehicle identification number (VIN)
- The age, sex, marital status and driving records of the drivers who will be included in your policy
- The amount of liability insurance you wish to purchase
- The coverage options you wish to include with your policy
- The amount of your deductible
Because each company you contact is likely to quote you a different cost for your coverage, your best bet for finding a great price is comparing rates from at least three competing providers.
Michigan Car Insurance RequirementsMichigan Car Insurance Requirements
State law mandates that you have basic liability coverage. You may want more than the basic liability and loss protection, however, based on your situation. Your legal requirements and options for car insurance include the following:
- Bodily Injury Liability: Required.
- Property Damage Liability: Required.
- Personal Injury Protection (PIP): Required.
- Uninsured Motorist Coverage: This is not required in Michigan, but it is important for reasons discussed below.
- Minimum Liability Limits: 50/100/10.
Michigan state law requires you to have a minimum of $50,000 to cover personal injury, $100,000 for bodily injury liability and $10,000 for property damage. These minimums protect drivers from the devastating financial toll of accidents, but some drivers have found that minimum coverage just isn't enough. If the actual cost of an accident exceeds your coverage level, you'll have to pay the remainder out of pocket. Our Independent Insurance Agents can help you determine how much coverage you really need to protect your financial assets and have peace of mind that you're prepared if an accident happens to you.
Above and beyond these requirements, you can select to have comprehensive coverage on your vehicle. This is coverage for any ding or nick, whether it is caused by an accident, vandalism or theft. You can also have it pay for a rental car and a tow truck to pick you up by the side of the road while yours is in the shop. Comprehensive coverage is the best way to keep your car looking great no matter what and keep you on the road.
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Number of Uninsured Motorists in Michigan
- Number of uninsured U.S. drivers: 13%
- Number of uninsured Michigan drivers: 20%
If you are caught driving without insurance that meets or exceeds Michigan’s minimum coverage requirements, you could be penalized with fines up to $500, have your driver’s license suspended for up to 30 days and potentially even face jail time. Despite this, an estimated one in five motorists on this state’s roadways is driving without insurance. This puts you, as a law-abiding citizen, at risk for financial losses because if an insured driver is at fault for a collision with you, that driver is responsible for covering your property damage and medical treatments out of pocket. Unfortunately, it can often be difficult and time-consuming to collect compensation from these drivers.
That is why you want to include uninsured motorist coverage as part of your Big Rapids car insurance policy. That way, your insurance company covers your damage upfront and then attempts to collect reimbursement from the offending driver on its own behalf. This optional insurance also covers damage and injuries resulting from collisions involving hit-and-run drivers.
Number of Auto Thefts in Michigan
- National number of thefts per 1,000 vehicles: 2.28.
- Michigan number of thefts per 1,000 vehicles: 1.74
The rate of car theft in the state of Michigan is lower than the national average, and even lower in Big Rapids. In recent years, there were only three car thefts reported in this city. That equates to about 0.28 thefts per every 1,000 vehicles — well below the national rate. In the event that your car is stolen, you can receive compensation only if your Big Rapids auto insurance policy includes comprehensive (“other than collision”) insurance. This insurance also covers damage caused by such hazards as falling objects, floods, vandalism and noncollision fires. It is typically required by financial lenders if you are still paying for your car.
Find the Best Big Rapids Car Insurance Policy
If you are looking for an affordable Big Rapids auto insurance policy that will provide all the coverage that you and your family need, you can benefit from working with an independent insurance agent in our network. Because they are not tied to a single insurance company, these agents are able to shop around and collect a variety of customized quotes from competing insurance companies. In a state where the cost of car insurance is already extremely high, there is no reason why you should pay more than you have to for your auto insurance. A local agent can help you find the best rate for your coverage.
Find an agent near you to learn more about your coverage options, and discover how easy it is to save money on your premiums by comparing Big Rapids car insurance quotes.