Car insurance could soon be cheaper for Michigan drivers - WNEM TV 5

Car insurance could soon be cheaper for Michigan drivers

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Your car insurance could soon be cheaper.                    

Republican State Representative Jason Sheppard of Temperance in Monroe County plans to propose a bill that offers different levels of medical coverage for drivers.

Right now, Michigan is a no-fault state and requires drivers to have unlimited lifetime medical benefits for crashes.

Michigan is the only state that requires that type of coverage, which helps to drive up the price of premiums.

This new bill provides four different coverage options.

The unlimited plan, and three other reduced coverage's that could cut premiums by up to 30 percent.

In a 2013 study, Michigan was the sixth most expensive state for auto insurance with an average expenditure of more than $1,100.

Part of that cost goes toward a $160-a-year fee per car to provide lifetime medical benefits for crash victims.

The Insurance Institute of Michigan, touting Michigan's unlimited coverage as among the best in the nation, but high cost, is a common complaint.

Sheppard will introduce the bill when the House returns November 9.

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