Allstate wants $150 per month for PL/PD on Ursula the E12.
For comparison, I'm paying $175 per month for Broad Form Collision, liability greater than just the PL/PD minimum, plus comprehensive, on a 2010 Odyssey.
WTF?
QUestion for my MI brethren: who offers the best rates and protection in MI?
Find someone that deals in classic insurance. I am becoming less and less of a Statefarm fan every day but the insurance on my Galaxie is like 130 a year vs 400+ from some other companies I checked.
car insurance rates by state from insure.com:
No. 1: Michigan Ask insurance agents why rates are high in Michigan, and conversation turns quickly to the state's unusual no-fault auto insurance system. Like other no-fault states, Michigan requires car owners to purchase personal injury protection insurance, which pays the medical bills of the policyholder and household members if they're injured in an accident. The coverage also pays for medical expenses of passengers who don't have PIP insurance. But unlike other states, which require drivers to carry only a limited amount of PIP coverage, Michigan's no-fault auto insurance policies guarantee unlimited medical benefits. Insurers pay medical claims up to $530,000, and the nonprofit Michigan Catastrophic Claim Association covers medical costs exceeding that threshold. Car owners must pay an annual assessment to the association, currently $186 per vehicle. The fee is not included in the Insure.com premium study, yet Michigan still ranks as the most expensive state. Some people simply can't afford the premiums, says Jeremy MacDonald, immediate past president of the Michigan Association of Professional Insurance Agents and president of the Mid-Michigan Agency in Alma. "People will cut where they can," he says. "They have to sacrifice things they are likely to use, like collision insurance, to pay for things they aren't likely to use, (like unlimited PIP benefits)." Rates are highest in Detroit, where some residents fudge addresses to get a break on rates. Still others deal with high rates by signing up for insurance to register their cars and then dropping the coverage. Some agents sell seven-day policies, which technically fit the letter of the law, but are clearly designed to skirt the state's requirement for drivers to carry insurance, MacDonald says.
Dislike of no-fault insurance laws reaffirmed.
Do you have another, fully insured daily driver? Yes? ---> Hagerty.
Woody wrote: Do you have another, fully insured daily driver? Yes? ---> Hagerty.
Exactly what I was going to say. Plus, they are a sponsor of our favorite magazine.
Our insurance doubled moving from NC to MI, Thanks NO FAULT STATE!
You lied. There is no prison secks in here.
Honestly, if you are insuring a daily driver in MI it seems like you just need to bend over and take it. I've become accustomed to just paying a few grand a year for nothing (seriously, the coverage does next to nothing for me directly) so I can legally drive.
The system is crazy screwy. My wife was a passenger in a co-workers car when they were rear ended on Woodward. Her neck hurt so she went to the ER for an eval. We were forced to make a claim on OUR auto policy and our agent had to have us pick one of our cars to file it under (???), which didn't pay anything anyway as far as I know because we have health insurance. Another fun fact: if a drunk driver jumps a curb and hits you on the sidewalk, the hospital is going to making a claim against your auto policy. I have no idea if these will show up on carfax as if the car was involved in an accident, but it wouldn't surprise me given how stupid the rest of it is.
In my opinion, if we want a system like this, the insurance policies should be attached to people, not cars. As it stands, it's a major rip off if a person has multiple cars.
Storz wrote: Our insurance doubled moving from NC to MI, Thanks NO FAULT STATE!
Well, NC is another fish altogether. You could have doubled your premium there by just getting one speeding ticket.
In MA we have no fault. I was paying somthing around 2000 per year for full coverage on my DD and the wife's DD every car there after was about $60 per year added to the policy. My agent told me that once you insure more cars than drivers in a household you are in effect insuring the driver not the car.
sorry to disappoint you, GPS. 
Ursula the E12 is becoming Ursula the Daily Driver E12, so I'm shopping insurance. Hagerty is a no-go because of the daily driver usage.
Classic insurance is your friend. For most companies they require it to be driven less than 5K per year, it needs to be garaged, and it can't be your only vehicle. I'm pretty sure you'd qualify, and the rates are dramatically less expensive, and the coverage better in most cases.
While Hagerty is a fantastic company, they aren't the only classic auto insurance company that works with GRM/CMS. Consider all of these companies, as they all have different strengths and weaknesses.
www.Heacock.com
www.Hagerty.com
www.Grundy.com
www.Chubbcollectorcar.com
www.JCTaylor.com
Daily driver? Ahh..... you may be SOL.
Grundy (or one of the other companies) has at least three tiers and one is for a DD.
Joe Gearin wrote: Classic insurance is your friend. For most companies they require it to be driven less than 5K per year, it needs to be garaged, and it can't be your only vehicle. I'm pretty sure you'd qualify, and the rates are dramatically less expensive, and the coverage better in most cases. While Hagerty is a fantastic company, they aren't the only classic auto insurance company that works with GRM/CMS. Consider all of these companies, as they all have different strengths and weaknesses.
Hagerty has an option for "daily driver" usage but their website choked on my 15k miles per year
In reply to Woody:
I applied to Hagerty for insurance on my Miata, they turned me down because my other fully insured car was a 1995 Benz. I ended up switching both cars and the house insurance to USAA.
UPDATE: Allstate had the birthdate wrong for my daughter, so their new rate was being calculated with a non-existent 16YO girl on the policy (?). moving Ursula from storage insurance to PL/PD actually lowers my total bill by $20 per month.
move along. nothing to see here.
spitfirebill wrote: Grundy (or one of the other companies) has at least three tiers and one is for a DD.
but do they still require the garage thing ?
No-fault is misnamed. It is actually "Everyone-is-at-fault".
Shop around, I remember about 6 years ago when I was a teenager looking at 3rd gen F bodies of all things, I wasn't getting PL/PD quotes much above $300/6 months from my parent's AAA account. Seemed like they would just throw out some random low number on anything old. Today on the same account I have comp on the Prizm for ~$350/6.
Is it a part time driver? PM me your number and I'll send you the info of the guy i use. He saved me over $800 per yr and the car would be covered for HPDEs as well.
In reply to CGLockRacer:
it will be my DD until around November. I'm going to try to get into a used fiesta or focus hatch before the snow flies.
Michigan sucks for car insurance. I live there and I've searched for a better rate that what I have to no avail. I pay $350.00 a month for 3 vehicles. Full coverage though. That's for no tickets, no accidents, middle age and one of the vehicles is a Miata that I drive as a weekend/summer vehicle. Maybe 1000 miles a year. I have checked into collector insurance for the Miata and it's all comparable to slightly more than regular auto insurance. Huh?? An article I read a few months ago states that Michigan rates are the second highest in the country behind California. It's funny.............Michigan is supposedly the car capital of the States, Detroit is the Motor City and the insurance rates are the highest, gas is expensive and the roads are an abomination. My advice is move away.
thats not bad, i pay more every 6 months for my wagon then my other 3 cars combined.
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