The 3 Reasons Why Car Insurance Is So Expensive In Michigan & How A New Bill Will Put Money In Your Pocket

, : There is a new Senate Bill your NO-Fault car insurance company is raising hell about. This is because the new Senate Bill could put a stop to the 3 reasons why Michigander’s insurance is so high.

Here Are The 3 Reasons Your Insurance Is So Damn High

  1. Unlimited Personal Injury Protection (PIP)
  2. Uninsured Drivers
  3. Fraud

Unlimited Personal Injury Protection (PIP)

Personal Injury Protection (PIP) is a car insurance policy that covers your medical cost if you get in an accident. Most all states place a limit on the amount of PIP you can get. Michigan does not. If you get in an accident, you and any passenger in the car may qualify for unlimited medical benefits. This may sound good but there’s just one problem.

YOU’RE Paying For Someone Else’s Unlimited Medical Benefits In 2 Different Ways

First Way: Your rate is high because you pay the car insurance companies extra money so they can cover someone else’s lifetime medical benefits. However, the car insurance companies only pay up to $555,000 per person for unlimited medical benefits.

Second Way: The Michigan Catastrophic Claim Association pays the rest of the persons unlimited medical benefits. However you ALSO pay this association $170-$200 a year through your car insurance. We will talk more about this in FRAUD section of this article.

Uninsured Drivers

Michigan has the highest insurance rates in the country. As a result, almost 3 out of 10 drivers are uninsured. The more people driving without car insurance the more risk it is for the car insurance companies. To cover the risk, you are charged more.

We spoke with Jenny G. from . She was rear ended by an uninsured driver. Her car only had PLPD (Personal Liability and Property Damage) and her insurance company would not help pay for the damage.
She needed to switch car insurance companies so she could save money, get full coverage and never worry about getting hit by uninsured drivers again. Her boss has always been good with money so she asked him for advice.
He looked over her coverage and saw she was paying triple what he pays for insurance yet she drove fewer miles and had less tickets. He told her about Senate Bill 1 and how he was able to find a couple of car insurance companies that were already honoring the bill.
Her husband Chris usually handled all the insurance bills but he had the flu and was in no shape to call anyone. So Jenny was forced to do her own research.
Jenny entered her zip code at Michigan Consumer Shield and was furious when she saw her local insurance agent had been ripping her off for the last 8 years.

“I Lowered Our Insurance By 75% AND Got Better Coverage Thanks To Senate Bill 1. My Old Insurance Agent Is A Damn Criminal For Not Telling Me About This. I Only Wish I Found Out About This Bill Sooner.”
-Jenny G.


A large percentage of insurance claims in Michigan are fraudulent. This adds up to over a billion dollars a year. One of the reasons there is so much fraud is because people want to take advantage of the unlimited medical benefits they get when they are “injured”. With so much money going towards fraud, the insurance companies charge you $100-$200 more to cover the cost and make up for the risk.

How Senate Bill 1 Will Put Money In Your Pocket

Senate Bill 1 is the most aggressive car insurance reform the Michigan Senate has ever introduced. This is because it will attack Michigan’s high car insurance rates at the root. It will put an end to unlimited PIP. This means:

  • Car Insurance Companies Can Afford To Charge You Less
  • You Will No Longer Pay All Those Extra Fees
  • There Will Be Less Insurance Fraud

This Bill has not been passed but a few companies have already prepared for it by giving Michgander’s quotes that include this new bill & any discounts they may qualify for. Michigan Consumer Shield is the best sites we’ve seen for quotes that include the new Senate Bill 1 rules.

Are You Being Overcharged?

Jenny G. was. Below is an example of the saving she received after doing her research.

Potential Savings:

Like most Michigan drivers you are probably paying too much for car insurance. Unfortunately, most people do not know about Senate Bill 1. Even less people know about sites like >Michigan Consumer Shield.

Are you being overcharged for your auto insurance? Take 60 seconds and find out if your zip code is eligible for Senate Bill 1 today. This may save you a shocking amount of money.

Here’s How You Do It:

Step 1: Tap The Link Below

Step 2: Enter Your Zip Code

TIP: (You are never locked into your current policy. You can cancel at any time and your remaining balance will be refunded)

View references & sources

*Job Impact Insurance:

*Source (Why Men Pay More): and
*Price Optimization:
*Women and Driving:
*Credit Score and Driving: