Car Insurance

Car insurance in Michigan tends to be rather expensive, in large part because it's a no-fault state. 

The "Catastrophic Claims Premium" (a mandatory state-wide fee on all auto insurance policies), which covers unlimited lifetime medical benefits for those seriously injured in car crashes, was increased by $20/vehicle/year.  

And general rates increased as well, for a plethora of unknown reasons (insurance risk score, credit score, regional score, etc). My 6-month premium, which had been about $450, increased to just shy of $500. 

I've also been thinking about adding underinsured motorist coverage to our policy, so that if we're injured by someone else who just carries the minimum, we would be entitled to recoup damages from our own policy. I'm not sure how much that will cost, but since so many people in the area have cut back the liability limits on their policies to save money (or cancelled insurance altogether, albeit illegally), it worries me that we could get into a serious accident and then only be able to recoup the equivalent of a few months' salary...