Car, Home, Toys, and Life Insurance Resource Center

Welcome to the best Michigan insurance resource! Michigan has the most unique insurance laws in the United States. Learn about what it takes to be insured properly as a Michigander. Get saving tips, mandatory coverage amounts, and answers to many frequently asked questions.

Insurance Where You Live

What Do I Need to Get Car Insurance?

Knowing what you need to get car insurance is a good start to purchasing a policy. Getting car insurance is not all that difficult if you do a little planning in advance. Get your insurance information in order before you start making calls for insurance quotes. The more organized you are, the less hassle getting car insurance will be.

Licensed drivers are required for car insurance. Normally, the vehicle owner is also one of the drivers. Some insurance carriers will allow a person to insure a vehicle they do not own. It really depends on the insurance carrier. Preferred insurance carriers typically require the person who insures a vehicle to own it.

Start with all drivers’ basic information:

  • Name
  • Birth Date
  • Address
  • Driver’s License Number
  • Driving Record

Know your vehicle. Get the information before contacting an insurance agent for a quote. Do not be that person who refers to their vehicle as a red car. Find your vehicle info on your title if you are unsure of the details.

Know the basic information about the vehicles you want to insure:

  • Year
  • Make
  • Model
  • VIN for accuracy (optional)

If you have prior car insurance you will need to know a little about your current policy.

Prior insurance information:

  • Limits of Liability
  • Effective Dates

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