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Michigan City Car Insurance

Michigan City car insurance prices, like insurance prices across Indiana, are on the decline. In fact, 2010 prices are down 15 percent from 2009 average car coverage rates . What this means is that if you are still paying 2009 prices for your vehicle coverage, it is time to step up and do something about this. The average Michigan City, IN resident will spend $1464.00 on their car insurance plan in 2010. However, this will vary depending on what type of car coverage you choose to purchase as well as the type of vehicle you drive, your driving history and your choice in coverage carriers.

Choosing Michigan City Car Insurance

One of the biggest factors that impact the cost of your Michigan City auto insurance is what type of coverage you are looking into getting. Indiana vehicle owners are required to purchase bodily injury liability as well as property damage liability coverage. The limits on bodily injury liability are $25,000 per injured person up to a total of $50,000 per accident while the limits on property damage liability are $10,000. This coverage plan is referred to as the 25/50/10 plan. However, most Indiana residents will choose additional car insurance options as a way to protect their families and their vehicles from damages both on and off the road.

Many residents will look into uninsured or underinsured motorist coverage which will protect them in case the other driver, who caused the accident, has little or no car insurance. Although it is against the law to drive without vehicle coverage, a small percentage of people do. Furthermore, with the number of car accidents that occur due to drinking while driving, distracted driving, driving while texting and driving while under the influence of drugs, it is important to protect your family and your future from other driver's irresponsibility. Why should you have to pay for someone else's negligence?

Michigan City, IN residents can also benefit from comprehensive car insurance which will protect against all damage caused by ‘acts of God.' This includes storm, hail damage and other weather accidents as well as any theft or vandalism.

For those with young families or those who do a lot of driving in the city and on the open road, collision coverage as well as personal injury protection are two good extras to include in your plan. Collision coverage will repair your vehicle in case the accident is your fault while personal injury protection will pay any medical expenses from the accident, regardless of whether you are at fault.

Low Cost Michigan City Car Insurance

There are a number of great ways to cut back on your Michigan City automobile insurance coverage regardless of your situation. Your first step should be to call your Michigan City DMV and look into your driving record. If there are any unpaid traffic fines or errors on your driving record, now is the time to fix this. Why - because your driving record will directly impact your ability to find cheap Michigan City vehicle insurance rates. If you have a clear driving record, you should be rewarded with lower-than-average coverage options.

Another great way to save thousands each year on car insurance as well as fuel costs is to take one (or more) of your vehicles off the road and opt for public transportation instead. Michigan City has an excellent public transportation system including one of the only remaining Interurban Rail Systems. There is also the Michigan City Transit that has four routes that operate Monday to Saturday. Furthermore, Michigan City also operates a Dial-A-Bus service. If public transit is not for you, then you can also look into commuting to work or even riding your bike instead. You will reduce your carbon footprint (as well as your waistline) and save thousands each year.

Michigan City Car Insurance Quotes

Perhaps the easiest way to save on your Michigan City car insurance is to do a simple comparison online. There are hundreds of different carriers all dying for your business. What this means is that you can afford to be picky and demand the very best rate possible. A simple online search of different coverage quotes will help you determine the best carrier and policy plan for your needs.

We could all use a couple extra hundred dollars here and there. With the money you could potentially save on Michigan City car insurance you could afford an extra long vacation this summer. You could treat the kids to an extra toy (and a couple for you too of course). You could put new tires of the car, upgrade your computer, replace the washing machine or get the latest cell phone. Or you could finally, finally, finally pay off that looming credit card bill. Now only one questions remains - how will you spend the extra money?


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