Car insurance most costly for Michiganders, research finds - Los Angeles News | FOX 11 LA KTTV

Car insurance most costly for Michiganders, research finds

Posted: Updated:
Attorney Michael Morse explained why Michigan is an expensive state for car insurance.  (Credit: WJBK | myFOXDetroit.com) Attorney Michael Morse explained why Michigan is an expensive state for car insurance. (Credit: WJBK | myFOXDetroit.com)
DETROIT (WJBK) -

"If you're going to get in a car accident and you're going to get injured, you want it to be in Michigan," said attorney Michael Morse.

Morse deals with accident victims all day long.  He's talking about no fault insurance.  It's a blessing on the roads that you could say is a curse on your wallet.

CarInsuranceQuotes.com put Michigan as being the most expensive in the nation for car insurance when median cost and median household income are factored into the equation.  One of the reasons is because of what you are paid when you're injured.

"We're the only state in the country that has unlimited medical benefits.  No matter what your injury is, you will get the rehabilitation you need here in Michigan."

"I can't afford a new car.  Can't afford the car insurance.  You can't get a new car with no car insurance.  That's the law," one man remarked.

Detroiters will tell you the bill is crashing their bottom lines.

"Paid $3,500 to $4,000 for just me and my wife, and I'm 62 years old," another said.

High insurance is why Parts Galore on Eight Mile in Detroit is doing so well.  Can't afford the collision insurance?  You go there, pick out a part and slap it on yourself.  It's the only way for some Detroiters.

So what can you do?  Morse said start with shopping around and asking for discounts.  If you have an old car that's on its way out, maybe you don't need collision coverage.  You could drop it, Morse said.  Also, check what's on your policy line by line with your insurance company and find out what you may and may not need.

"Look to see if you have any incidentals on the policy that you don't need.  Sit down with your agent.  Have them go line item by line item and see if you actually need every benefit that you're paying for.  Also, lastly, raising your deductible is a really good way to lower your insurance."

Morse said low credit scores are another reason for the high insurance rates in some parts of the state, including Detroit.  So in order to pay less for insurance, try to get that score back up.

RELATED LINK:

CarInsuranceQuotes.com: 10 states where car insurance really bites your budget

  • Local NewsLocal NewsMore>>

  • Michigan man mocked on Instagram by Shaquille O'Neal, celebrities files lawsuit

    Michigan man mocked on Instagram by Shaquille O'Neal, celebrities files lawsuit

    Wednesday, July 30 2014 7:08 PM EDT2014-07-30 23:08:15 GMT
    Jahmel Binion filed a lawsuit in Macomb County court today.Jahmel Binion filed a lawsuit in Macomb County court today.
    They said they were sorry -- but it's not enough. The local man -- who was mocked for his appearance on Instagram by Shaquille O'Neal and other celebrities is now suing.
    They said they were sorry -- but it's not enough. The local man -- who was mocked for his appearance on Instagram by Shaquille O'Neal and other celebrities is now suing.
  • Witnesses describe punch that killed soccer ref, say suspect has been violent before

    Witnesses describe punch that killed soccer ref, say suspect has been violent before

    Wednesday, July 30 2014 6:57 PM EDT2014-07-30 22:57:23 GMT
    More details emerged from 16th District Court about what happened on the soccer field the day that referee John Bieniewicz died, allegedly from a punch to the neck by Baseel Abdul-Amir Saad. Testimony was heard through the eyes of four witnesses, three players including two on the opposing team, one teammate of Saad and a police officer. According to court testimony, Saad has gotten violent before on the soccer field.Wiping away tears, 36-year-old Saad, facing a judge on second-degree murder ...
    More details emerged from 16th District Court about what happened on the soccer field the day that referee John Bieniewicz died, allegedly from a punch to the neck by Baseel Abdul-Amir Saad. Testimony was heard through the eyes of four witnesses, three players including two on the opposing team, one teammate of Saad and a police officer. According to court testimony, Saad has gotten violent before on the soccer field.Wiping away tears, 36-year-old Saad, facing a judge on second-degree murder ...
  • Woman's life changed from side effect of bariatric surgery

    Woman's life changed from side effect of bariatric surgery

    Wednesday, July 30 2014 6:41 PM EDT2014-07-30 22:41:11 GMT
    A metro Detroit woman should be celebrating her tremendous weight loss, but instead is now battling a rare condition that has her regretting her bariatric surgery.
    A metro Detroit woman should be celebrating her tremendous weight loss, but instead is now battling a rare condition that has her regretting her bariatric surgery.
Powered by WorldNow

KTTV FOX 11
1999 S. Bundy Dr.
Los Angeles CA 90025

Main: (310) 584-2000
News Tips? (310) 584-2025

Didn't find what you were looking for?
All content © Copyright 2000 - 2014 Fox Television Stations, Inc. and Worldnow. All Rights Reserved.
Privacy Policy | Terms of Service | Ad Choices