Flint auto insurance is available from all Flint auto insurance agents selling motor vehicle policies, whether they are in the Michigan area or not. Michigan has strict rules governing auto insurance, as well as safe driving. In addition to operating on a point system, Michigan has mandatory new driver probation periods and offers a graduated driver’s license program.

Flint No Fault Auto Insurance

Michigan is a no-fault state that requires no-fault insurance. The mandatory coverage a driver must carry is Personal Injury Protection (PIP) for medical costs, Property Protection insurance (PPI) for property damage up to one million dollars, and Residual Bodily Injury and Property Damage Liability Insurance (BI/PD). For BI/PD, you are required to carry twenty thousand dollars per person and up to forty thousand dollars per accident as well as another ten thousand dollars for property damage.

Insurance rates are based on competitive prices and, in Michigan, policies cannot be denied to a person provided the driver has a valid Michigan driver’s license or the car is registered in the state. For almost all cases, an insurance company has to write you a policy so long as you are eligible. An agency can write policies for any area and does not require an agent to work in your area. You cannot be turned away due to a client maximum level, as medical professionals are allowed to do. Nor can you be denied coverage on the basis that you must carry multiple policies with the agent, such as having both your home and auto covered by the same carrier. However, doing so usually results in providing you with the benefit of a multi-policy benefit.

If you are ever told you are not eligible for coverage, you should be given a reason. If you are not provided with one, you should pursue it and report it to proper government agencies. Ineligible parties may be able to get coverage through the Michigan Auto Insurance Placement Facility, although it will most likely be at a higher rate. Using a quote tool can help you shop around to find the most cost effective insurance policy. You should not have to pay a cent for this, as multiple quote rating devices are available online.

How Points Affect Flint Auto Insurance Rates

As a point state, Michigan assigns points to your driving record as penalty for various violations. The harsher the violation, the more points you receive. Seven points or more can result in an annual fee, and twelve or more points will result in a Driver Assessment Reexamination, with consequences ranging from a restricted license to a revoked license. Points remain on your record for two years and all traffic convictions, including those from snowmobiles and off-road vehicles (ORVs), can affect your driving rights.

All moving violations can result in two points, including speeding up to ten miles per hour over the legal speed limit, having an open container of alcohol in the car, or refusing a Preliminary Breath Test (PBT) if you are under the age of twenty-one. Three points can be imposed for speeding eleven to fifteen miles over the legal speed limit, disobeying a traffic signal, driving carelessly, or not stopping for crossing guard directions, a school bus, or a train.

Anyone caught speeding by sixteen miles per hour or more or is found to be operating while impaired can be fined four points, as well as persons convicted of drag racing, not yielding to emergency vehicles, or driving with vision impairment. Six points are the highest points assigned to any one conviction, and are reserved for people operating while intoxicated, driving recklessly, refusing to take a chemical test, fleeing from authorities, performing a hit and run, and any felony that involves a motor vehicle, such as manslaughter.

In addition to points affecting your driving record and ultimately your driving privileges, it can affect your auto insurance by raising your rates. Depending on your violations and your policy, your Flint auto insurance agent may be able to terminate your policy and drop you as a client, which most likely means higher rates from your next agent.

Other Flint MI Auto Insurance Laws

While Michigan mandates that insurance is accessible at competitive rates for all eligible drivers, it also does it part to ensure motorist responsibility, which ultimately helps insurance rates stay low. By enforcing a probation period for all new drivers regardless of age, driver responsibility is overseen with close supervision for three years. If a new driver does not receive any tickets, cause any crashes, or gets his license suspended during the last ten months of the probation period, he will go to a post probation period, which lasts two years. During this time, accumulating nine or more points, causing a crash, or having any alcohol related charges will result in a Driver Assessment Reexamination.

For teenage drivers under the age of eighteen, Michigan hosts a Michigan Graduated Driver Licensing program. This program consists of three levels, with level one issuing a learner’s license, level two issuing an intermediate license, and level three awarding a full driver’s license. Parents are encouraged to participate in driver safety awareness with their teenagers and can legally request to change the status of their child’s license if they believe driver responsibility is questionable or at risk.

There are over 120,000 people living in Flint, Michigan, and many of them are of legal driving age. Approximately 30% of the population is comprised of up and coming drivers, and the median age is currently 31, most of who are already licensed. Driver responsibility is not just a law in Michigan; it is also encouraged as a way of life.

Get Flint Auto Insurance Quotes!

Now that you understand some of the various Flint auto insurance laws and the affect that they can have on your Flint auto insurance policy why not see if you can find a cheap policy? Use the free quote tool on the top of the page to get started comparing cheap Flint car insurance quotes online from competing Flint auto insurance companies!