Car insurance most costly for Michiganders, research finds - New York News

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>>

  • Search for masked robbers in Caesars heist

    Search for masked robbers in Caesars heist

    Tuesday, July 22 2014 7:25 AM EDT2014-07-22 11:25:33 GMT
    The hunt is on in southern New Jersey for two suspects who made off with more than $180K from Caesars Atlantic City casino. The brazen robbers reportedly stole the cash from two plastic boxes on the casino floor. The robbery occurred on Monday at about 6 a.m. The masked robbers took off in a vehicle. The State Police Casino Gaming Bureau is handling the investigation.
    The hunt is on in southern New Jersey for two suspects who made off with more than $180K from Caesars Atlantic City casino. The brazen robbers reportedly stole the cash from two plastic boxes on the casino floor. The robbery occurred on Monday at about 6 a.m. The masked robbers took off in a vehicle. The State Police Casino Gaming Bureau is handling the investigation.
  • Toddler safe after stroller falls onto tracks

    Toddler safe after stroller falls onto tracks

    Tuesday, July 22 2014 7:18 AM EDT2014-07-22 11:18:12 GMT
    Authorities say a 2-year-old girl is safe after the stroller she was in rolled off a Queens subway platform onto the tracks. Fire Department officials say it happened at the Jamaica Center-Parsons Boulevard stop in Jamaica at 11:26 a.m. Monday. Witnesses say the mother had turned away briefly to put something in the trash when the strolled fell onto the empty tracks.
    Authorities say a 2-year-old girl is safe after the stroller she was in rolled off a Queens subway platform onto the tracks. Fire Department officials say it happened at the Jamaica Center-Parsons Boulevard stop in Jamaica at 11:26 a.m. Monday. Witnesses say the mother had turned away briefly to put something in the trash when the strolled fell onto the empty tracks.
  • Poll: It doesn't take money to be stylish

    Poll: It doesn't take money to be stylish

    Tuesday, July 22 2014 6:53 AM EDT2014-07-22 10:53:49 GMT
    A new Marist College poll finds most Americans say it doesn't take a lot of money to be stylish. The nationwide poll by the Hudson Valley college found 86 percent of respondents said it was possible to be stylish on a limited budget. The other 14 percent agreed with the statement that it's only possible to have good style with a lot of money. The poll also found that 68 percent of Americans think we focus too much on fashion.
    A new Marist College poll finds most Americans say it doesn't take a lot of money to be stylish. The nationwide poll by the Hudson Valley college found 86 percent of respondents said it was possible to be stylish on a limited budget. The other 14 percent agreed with the statement that it's only possible to have good style with a lot of money. The poll also found that 68 percent of Americans think we focus too much on fashion.

  • Local NewsLocal NewsMore>>

  • Pensioners approve Detroit bankruptcy plan

    Pensioners approve Detroit bankruptcy plan

    Monday, July 21 2014 11:39 PM EDT2014-07-22 03:39:04 GMT
    The city of Detroit says workers and retirees have approved pension cuts, a crucial step to emerging from the largest municipal bankruptcy in U.S. history. The city reported results Monday after two months of balloting ended July 11. A judge still must hold a trial to determine if Detroit's overall bankruptcy plan is fair and feasible, but support from retirees is vital.
    The city of Detroit says workers and retirees have approved pension cuts, a crucial step to emerging from the largest municipal bankruptcy in U.S. history. The city reported results Monday after two months of balloting ended July 11. A judge still must hold a trial to determine if Detroit's overall bankruptcy plan is fair and feasible, but support from retirees is vital.
  • DPD's 6th precinct struck by bullets in drive-by shooting

    DPD's 6th precinct struck by bullets in drive-by shooting

    Monday, July 21 2014 11:06 PM EDT2014-07-22 03:06:31 GMT
    Detroit police say bullets struck the 6th Precinct building during a drive-by shooting. This was the same precinct where four officers were shot back in 2011.
    Detroit police say bullets struck the 6th Precinct building during a drive-by shooting. This was the same precinct where four officers were shot back in 2011.
  • City turns down Vinsetta Garage's new parking proposal

    City turns down Vinsetta Garage's new parking proposal

    Monday, July 21 2014 10:31 PM EDT2014-07-22 02:31:49 GMT
    Vinsetta Garage, a popular restaurant in Berkley, proposed to tear down several homes and build a parking lot to solve the parking issue in the neighborhood, but the proposal was turned down Monday at city hall.
    Vinsetta Garage, a popular restaurant in Berkley, proposed to tear down several homes and build a parking lot to solve the parking issue in the neighborhood, but the proposal was turned down Monday at city hall.
Powered by WorldNow
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