"Over the past several years, many state governments have made efforts to overhaul their existing auto insurance systems to make them more fair and potentially affordable for drivers within their borders. There have been varying degrees of success in these attempts, and one state in which they've been particularly troubled during this time has been Michigan. As such, it might be important for insurance agents working there to make sure they're keeping close tabs on these issues, and let their clients know how those proposed changes might end up impacting them going forward. Michigan has undertaken many efforts to make auto insurance more affordable for residents while still keeping its no-fault coverage system in place, according to a report from Lansing, Michigan, television station WOOD. The latest round of legislation related to the matter, which seems to have some fairly broad support among lawmakers on both sides of the aisle, would theoretically find ways to simultaneously cap costs for drivers. In addition, it could reduce the amount of fraud that remains rampant in the state, and - at least temporarily - cut all drivers' insurance premiums by $100. The finer points However, it should be pointed out that the premium reduction some lawmakers would like to see has not yet been officially added to the bill, and remains a proposal at this time, the report said. Those who may not be in favor of the language as currently written point out that while, yes, Michigan has the most expensive auto insurance costs in the nation, that's also because drivers get the most comprehensive coverage. The concern is that cutting those costs in this way would negatively impact the quality of their policies.

What is certain? However, with that sentiment comes the acknowledgement that costs are, indeed, probably too high for the average Michigander to reasonably pay, the report said. As a consequence, the likelihood is that there will continue to be efforts in the state capitol to reform the system while still leaving drivers as protected as possible. ""This is my third term on the House Insurance Committee and the third time I've seen this issue come before us,"" State Rep. Lisa Posthumus Lyons, a Republican representing Alto, told the station. Certainly, Michigan has a long way to go before lawmakers are able to deliver news that truly affordable auto insurance - relative to the rest of the country - will be available to its drivers, but these efforts to chip away at high costs should be duly noted. The more agents can do to let their clients know about these changes, and how they affect affordability, the better off both sides of the conversation are likely to be. Drivers will gain a better understanding of their coverage and how the system works overall, while agents will typically gain higher customer satisfaction and client retention rates. After all, plenty of data shows that informed policyholder tend to be happier with their plans."