Often when getting Michigan insurance quotes you will find that for a few dollars more than your basic coverage and comprehensive insurance you can add collision insurance.  You may ask why you should have collision insurance?  Collision insurance is also known to many as “full coverage”.  The main reason for having collision insurance is to pay for your car in the event of an accident.  This is where Michigan insurance quotes comes in because there are three types of collision coverage.  You probably did not know that.

 One is called “limited collision”.  This will possibly pay for damage to your car, depending on which driver was at fault.  If the insurance company decides the other driver was more than 50% at fault, then the insurance company will fix your car less any deductible.  But, if the insurance company determines you were more than 50% at fault the company will not pay to get your car fixed.

Another form of collision insurance is “broad form”.  This coverage covers any damage to your car above the deductible, and if the other driver is more than 50% at fault there is no deductible and the insurance company will pay for all the damage to your car.

Finally, the third form of collision coverage is “standard collision”.  This means is you are involved in an accident and your car is damaged, the insurance company will pay for repairs no matter who is at fault, less the deductible.

Since there are a number of variables in Michigan car insurance, it is important to get Michigan automobile insurance quotes and compare them to get what is best for you.