Westland Car Insurance
Westland is 16 miles west of downtown Detroit in Wayne County, Michigan. It is appreciated by its residents as a town with a sense of security and safety.
Also enjoyed by the citizens of Westland is the presence of Rails-to-Trails Conservancy which boasts 1,058 groomed cycling and walking routes that are actively enjoyed by residents who are glad to have other modes of transportation besides the automobile.
Car insurance in Westland, like all other communities within the state of Michigan, is expensive. Every auto insurance policy is required to include unlimited personal injury protection.
A person injured in a car accident may receive lifetime benefits if medically required. To cover the cost of unlimited benefits, insurance companies must charge additional fees for every car insurance policy. Making car insurance even more costly in Westland is the high rate of uninsured drivers on Michigan roads.
If you are searching for car insurance coverage, you can enter your zip code above and compare rates from multiple companies!
Why Westland Car Insurance Costs So Much
No-fault automobile insurance is required by Michigan law. No-fault requires that every car owner have larger amounts of liability coverage in order to register a motor vehicle.
This type of car insurance requires unlimited personal injury protection, high property damage liability protection, and residual funds to pay for legal defense when a car owner has been found liable. In other states, insurance payouts have defined limits that do not always cover all injuries.
Although other states have no-fault insurance laws, Michigan’s insurance prices are the highest in the nation.
The legally mandated personal injury protection (PIP) will pay all reasonable and necessary medical expenses due to injury from an auto accident, even for life. Michigan PIP also includes wage loss and replacement services for up to three years.
Minimum Legal Car Insurance in Westland
The minimum requirements for auto insurance in Michigan include:
• No limit on damages for bodily injury for all parties injured or killed in car accident.
• Property Damage Protection that pays up to one million for damage caused by vehicle to other property such as buildings and fences.
• Up to $20,000 per person and $40,000 per accident to pay for defense costs of accident where insured is found liable.
• Up to $10,000 to pay for property damage caused by insured vehicle in another state.
Real Life Licensed and Insured Drivers in Westland
Greg is an unmarried 58-year-old man who drives a truck for a living. His personal use vehicle is a 1995 Chevy Van. Because Greg is on the road most of the time, he doesn’t drive too many miles in his Chevy van when he is not working.
Greg isn’t interested in paying any money for car insurance that is not legally required. Minimum legal coverage in Westland is available to drivers like Greg from the following companies at the monthly payments listed here:
- Frankenmuth - $82.00
- Auto Owners - $103.00
- Hanover - $158.00
- Progressive - $179.00
- State Farm - $290.00
- Allstate -$386.00
- AAA -$682.00
Greg’s friend Sarah is 58 years old. Like Greg, Sarah has a record as a safe driver. She drives a 2013 Subaru Forester and wants comprehensive and collision coverage to pay for any potential damage to her vehicle.
Sarah can get her desired coverage with a premium level policy. The premium level coverage has the benefits listed below which are added to minimum legal personal injury protections which are unlimited:
– Premium Level Coverage Upgrade
Premium coverage offers everything a basic policy offers and also typically includes:
• Up to $100,000 to pay for damage to vehicle
• Up to $100,000 to pay for damage to vehicle or other property caused by uninsured or underinsured motorist.
• $75.00 towing allowance.
• $900 rental car allowance.
• Full glass coverage.
Premium level requires a $250 deductible payment.
Sarah can get premium level car insurance in Westland from these companies at these monthly payments:
- Auto Owners - $155.00
- Frankenmuth - $194.00
- Hanover - $207.00
- Allstate - $261.00
- Progressive - $413.00
- State Farm - $564.00
- AAA - $895.00
– Premium Level Coverage
Claudia and Dave are both 65 years old. They have one vehicle between the two of them, a 2008 Buick Lucerne. In April last year, while Dave was driving, they had a minor collision in a parking lot that resulted in $3,000 damage to both vehicles involved.
The incident did not increase their monthly premium. Because Claudia and Dave are both retired, their legally mandated personal injury protection is a little lower because there would not have to be wage replacement in the event of a serious injury.
Premium level protection in Westland is available to Claudia and Dave from these companies for these monthly payments:
- Frankenmuth - $135.00
- Hanover - $237.00
- Allstate - $331.00
- Progressive - $676.00
- AAA - $750.00
– Minimum Coverage
Anthony and Sandra are 38 and 40 years old. Both are employed by the Wayne-Westland community school district. Anthony and Sandra have three children; the oldest is 16 and just received his probationary license.
In Michigan, teen drivers can get their learner’s permits when they reach 14 years and 8 months of age. Anthony and Sandra feel strongly that their children will be safer if they have as much driver training as possible. There are three vehicles in this family; a 2011 Chevy Tahoe, 2008 Honda Civic and a 2002 Ford Focus.
Minimum legal coverage for this family in Westland is offered by these companies at these monthly payments:
- Hanover - $470.00
- Frankenmuth -$506.00
- Allstate - $1,309.00
- Progressive - $1,602.00
- AAA - $4,267.00
Anthony and Sandra are primarily concerned with liability which is covered within the minimum level of insurance.
They do not intend to purchase any new or higher value vehicles while there are youthful drivers in the household. Out of curiosity, they checked prices for a policy that would give them moderate comprehensive and collision protection.
This is what they found:
- Hanover - $658.00
- Frankenmuth -$858
- Allstate - $1,219
- Progressive -$2,340
- AAA -$5,103
Typical Insurance Rates
John is 26 and works two part-time jobs. John owns a 2002 Jeep Cherokee which needs constant tinkering to keep it running so he can get to work. Last May, John got a ticket for an illegal turn. Other than the one violation, John enjoys a safe driving record.
These are his car insurance options in Westland:
- Auto-Owners - $159.00
- Hanover - $218.00
- Frankenmuth - $220.00
- Progressive - $345.00
- Allstate - $401.00
- State Farm -$546.00
- AAA -$969.00
In Westland, car insurance is a major expense for every vehicle owner. Without regular research at renewal time, it is not unusual for licensed drivers to pay thousands of dollars more than necessary just to get the minimum legal car insurance.
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