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Insurance companies play a a game of bait and switch. They give you a lowball rate to get your buisness, then slowly raise the rates. Find the lowest estimate, go with that insurance until they start to very slowly raise the rates, then find another. It only takes a phone call and not much effort. You could save hundreds a year.
I live in Michigan and pay $1350 a year for two cars (2004 BMW and 2011 Honda). Broad form collision...$500 deductible....roadside....etc. Not sure where the $4400 is coming from. I'm sure Wayne County would be higher, but Michigan also gets unlimited medical liability for life. Meaning...if someone hits you and you need medical care as a result...the insurance company pays for life. This is rare, but a financial lifesaver for some people.
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