: Military car insurance
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Posted inCar Insurance Claimson February 11, 2020
Military service members face any number of expenses–and those expenses often mount when they’re deployed, especially if they have families at home. They have homes to maintain, even though they aren’t there to live in them. They must take care of regular expenses, including cell phones, car payments, and, for many, a mortgage.
What happens when they come home to even higher bills?
According to a recent study, in which profiles were submitted for car insurance for civilians versus car insurance for military personnel recently returned from deployment, recently-deployed service members may face substantial increases in insurance on their return. This can leave service members scrambling to pay the bills even as they attempt to reintegrate into society following their deployment.
Car Insurance Increases Across the United States
In every state, service members face higher car insurance rates when they return from deployment than average citizens who want a new policy with a car insurance company. The difference may get triggered by a lapse in coverage: many service members allow car insurance to lapse while they serve overseas, since they will not drive the vehicle while deployed. While maintaining car insurance coverage throughout deployment can provide some protection if someone else drives the vehicle or if the vehicle gets stolen or vandalized, many service members, already juggling a stack of bills, feel first national bank severna park it makes more sense to end that coverage while overseas, then pick it up again when they return.
That strategy, as it turns out, may not actually save as much as service members might hope. On their return, service members often face substantial increases in car insurance when attempting to take out a new policy. In some states, including Louisiana and Tennessee, service members find that their car insurance rates skyrocket: they may end up facing costs of as much as 45% more than they paid before deployment–and 45% more than their peers outside the military.
Why Insurance Rates Go Up After Deployment
Most insurance companies raise insurance rates for drivers who have an increased accident risk. This includes drivers who have, for whatever reason, allowed their auto insurance rates to lapse. For the average driver, insurance lapses are usually due to simple nonpayment: whether due to financial concerns or simple irresponsibility, they choose to allow that insurance policy to lapse. In fact, some estimates suggest that as many as 1 in 8 drivers do not carry auto insurance.
For members of the armed forces, however, the decision to allow an auto insurance policy to lapse while on deployment does not mean that the driver is driving around without auto insurance. Typically, while deployed, the service member is thousands of miles away from his vehicle. He cannot drive that vehicle, and, therefore, he cannot possibly be in an accident that causes injury or property damage to another party. Upon return from deployment, the service member will then responsibly choose to reinstate his auto insurance policy–only to see substantial increases in his rates.
Some studies do suggest that service members may have a slightly higher risk of at-fault accidents in the six months immediately following a return from deployment. Symptoms of PTSD may increase the risk of poor or unpredictable driving behaviors, including difficulty paying attention to the road or a struggle to react appropriately to perceived dangers. Servicemen and women may also engage in defensive driving behaviors that helped them drive in a war zone, but which can cause much higher accident risk within the United States.
Not all service members, however, experience this propensity toward increased accident risk. Navy and Air Force veterans, according to the study, display only a 2%-3% increase in at-fault accidents following deployment. Not only that, many service members note that the increase in their insurance rates continues long after the six-month higher risk period is over.
Insurance companies can clearly see the reason for the lapse in a service member’s insurance. The service member’s employment history is part of the insurance profile. Unfortunately, many auto insurance companies continue to discriminate against service members returning from deployment.
What Can You Do If You Face Insurance Increases After Deployment?
Most insurance companies have one primary goal: to make as much money as possible. Unfortunately, this goal does not provide substantial help or protection for a service member returning from deployment–and when an insurance company aims to increase rates however possible, it can create additional hardship, including financial struggle, for members of the armed forces. If you face unfair insurance increases after deployment, consider these strategies.
Shop around. Don’t feel as though you’re stuck with a single insurance company, even if it’s the one you’ve “always used” or the one your spouse uses. Some insurance companies do not discriminate against service members–and others may even offer discounts and rewards for your service.
Have an idea of the base expense for insurance. Calculate your potential insurance costs online or talk www bankofamerica com ok friends and family members currently in your state who have insurance through the same company. Get an idea of what they’re paying so that you’ll know what you should expect. Insurance rates may naturally increase over time, including the as much as eighteen months you spent deployed, but you shouldn’t expect to pay considerably more than someone who hasn’t been deployed, either.
Negotiate with the insurance company. Call and talk to someone at the company directly, rather than going through an online portal or system. Sometimes, simply calling in for a discussion can help those rates go down.
Contact an attorney. If you notice discrimination due to your service in your insurance rates, you don’t have to put up with it. Instead, contact an experienced attorney who will help negotiate the military car insurance rates you deserve–without unexpected increases due to deployment.
At the Law Office of John W. Redmann, LLC, we want to help servicemen and women receive the consideration they deserve for their service, rather than discrimination on their return. Contact us today at 504-500-5000 to learn more about how we can help when you face discrimination from your insurance company.
TruStage® Auto & Home Insurance Program is made available by TruStage Insurance Agency, LLC. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116 USA. © 2021 Liberty Mutual Insurance. Discounts are not available in all states and discounts vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Your credit union enables this insurance program to be offered and is entitled to compensation from TruStage Insurance Agency, LLC.
© TruStage Insurance Agency 2021.
Navy Federal Credit Union is in no way responsible for any products or services provided by or through TruStage, Liberty Mutual or their affiliates, subsidiaries, and insurance company partners.
Discounts and savings are microsoft 360 online login available in all states and discounts vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.↵
Cheap car insurance for the military
Whether you serve in the Army, Navy or Royal Air Force, car insurance can be trickier to arrange than for people in civilian life. However, there are specialist car insurers who understand the unique demands of military life and they can offer more flexible policies to keep you properly cover in the UK and abroad. Here’s our guide for military personnel to find the best car insurance deal at the keenest price.
What’s unique about the job?
By its very nature, serving in the Armed Forces means moving around the UK and the world on a regular basis. This means a standard car insurance policy is often inadequate as it doesn’t allow for multiple addresses. Military personnel may also park their car ‘inside the wire’ when they are on base, so insurance cover needs to include this. There are also periods when military car insurance may want to take your car abroad during a posting or lay it up when further afield but still want it insured.
What car insurance will serving military need?
When choosing car insurance as a member of the Armed Forces, it can be difficult when dealing with mainstream insurers. For this reason, some simply choose the cheapest car insurance deal on offer. However, it’s important to find cover that reflects the diverse and fast-changing nature of the job, which will mean a comprehensive policy, compare prices with the likes of Forces Compare. This means you need insurance that provides protection when you are on a military base and doesn’t hike up the premium because you are living in service quarters or a military postcode.
You also need to find a policy that comes with laid-up cover should you need to put your car into storage while on deployment. The best policies will also offer a rebate on your premium when you return from duty that reflects the car has been unused while on laid-up cover.
For those serving in Germany (BFG) military car insurance Belgium (SHAPE), there are dedicated policies from UK insurers that cover you for driving in Europe*. Check these deals military car insurance with a full European Green Card, which is an international certificate of insurance the proves you have the minimum insurance required by each country. Not all EU countries now insist on a Green Card, but it’s better to have it when macys card online bill pay from one country to another.
In the event of making a claim, it’s important to have an insurer who offers an English-speaking claims department that understands the regulations of the country you are serving in.
How military personnel can lower their car insurance premiums
As with all car insurance cover*, honesty is the best policy. Make sure your provider knows if the car will be parked on base or airside at any time. If you don’t, you could risk being uninsured for any damage that happens inside a military facility. The same applies to business use, so be clear whether or not you need this to visit one or more military bases. You will also need Business Use cover if you want to be able to recover expenses through the Joint Personnel Administration system.
If you insure your car with a company based in the country where you’re deployed, such as Germany, make sure the no-claims bonus you build up there is transferrable to a UK policy. Most UK insurers will recognise this and the Armed Forces Commitment means any UK-earned no-claims remains valid for up to three years.
Using a specialist broker for insurers who work with the Armed Forces will find you a better deal than mainstream comparison websites. Check the British Insurers Brokers’ Association for a list of relevant companies.
In June 2016, the Armed Forces Covenant (AFC) commitment was introduced by most of the UK’s car insurers. You should check any insurer has signed up to this agreement – it’s important to check with the company providing the cover and not just a comparison website or broker. The AFC means that serving UK military personnel do not face additional charges for cancelling or suspending insurance cover while abroad on deployment. It also guarantees their no-claims bonus is protected for up to three years, so they will not lose this even when the car is off the road. This commitment is backed by the Association of British Insurers (ABI) and the British Insurers Brokers’ Association (BIBA).
* Sometimes we show a link with a * next to it. It means that it is an affiliate link and as a result helps HonestJohn.co.uk www discoverbank com free to use. It's tracked to us and if you go through it, it can sometimes result in a payment or benefit to the site.
Free Auto Insurance Comparison
Auto Insurance for Military and Veterans
If you’re seeking veterans’ auto insurance coverage, we are here to help you learn all about the basics and more. It’s always worth asking for veterans’ auto insurance discounts on military auto insurance coverage when you’re looking to renew your policy or shop around.
Here are a few things to consider:
What auto insurance coverage do you need?
Remember that this isn’t all about the discount. You still need the best insurance for military members you can get for the best price. Did you know that each insurer has a unique way to determine your rates?
If you’re leasing a vehicle, most lenders will require that you keep full coverage on the vehicle until it’s paid off. However, you may just need liability-only coverage for older vehicles or ones that you own outright.
But keep in mind that liability only covers damages to other vehicles if you cause the damage and won’t cover repairing or replacing your own vehicle. For that, you’ll need to add collision and comprehensive at least. You want to make sure you have the right level of coverage for your needs.
One of the major insurers in the country is USAA auto insurance, which is available only to military personnel and their families. And they often have the best rates out there, but it is always a good idea to shop around to make sure you can find not only the best rates but also the right coverage for what you need.
Do military car insurance research and ask about the terms on the policy, their maximum payouts, etc.
What discounts are available for military and veterans?
Often, being a veteran will get you discounts on auto insurance because, statistically, you are safe, responsible, law-abiding, and, in many cases, have a steady source of retirement income assuring your insurance company of reliable monthly premium payments.
Although USAA is a military-specific auto insurance provider, most of the major insurers provide some type of discount because of your military or veteran status. Check out the table below for some of these.
While it’s likely that you’ll be able to get a discount, taking the time to research the best car insurance for veterans will get you a variety of auto insurance quotes so you can find the best policy to suit your needs.
What factors influence your auto insurance rates?
Even if you’re eligible for a discount as a veteran, you still need a good driving record to get a good rate. If you’re looking for cheap car insurance rates for over age 55, taking a driving course can also improve your rates. Other factors that may lower your rates and put you into a lower risk category are:
- Credit history- If you have poor credit, many insurers will see this as a sign you aren’t responsible and will raise your rates accordingly.
- Low annual miles driven – Lower mileage means you are out on the road less and thus, safer.
- Extensive driving experience – The more you drive, the more you know and can act on safe driving habits. This is why teens and young drivers pay more for their policies.
- Anti-theft devices like wheel locks, alarm systems, and ignition protection devices – Any of these devices can help deter or prevent theft which means they’re good for you and your rates.
- Combining car and home insurance on your policy – Most auto insurance companies offer bundling discounts for more of your business.
- Putting multiple vehicles on your how to deposit a check at an atm navy federal – Again, the more business you give your insurance company, the more willing they are to give you a break on rates.
- Non-smoker – Non-smokers represent a lower risk driving and often can get a discount
- Carpooling – Not everyone will offer a discount for this but it never hurts to ask
So, while many of the rules for getting good rates on car insurance apply to you, just like they do to everyone, you can also benefit from asking about getting a discount because you are a veteran.
How can you get quotes for veterans’ auto insurance on the internet?
Searching for veterans’ auto insurance quotes on the internet can save you time and confusion because you can get veterans’ auto insurance quotes from one website. It’s often easier to keep track of information on the computer than trying to remember different conversations and prices quoted by phone unless you keep extensive notes. Also, sometimes the friendliest agents, though they are great to talk to, do not have the best deals to offer you.
There are many veterans’ auto insurance companies that are experienced in military car insurance with military service members. If you’re ready to compare retired military vehicle insurance quotes, get started now.
Should I Purchase Rental Car Insurance While TDY? (For Distribution to Travelers)
Regardless of what the folks at the rental car counter may tell you, DoD official travelers do not need to purchase rental car insurance in CONUS or non-foreign OCONUS locations (e.g., Guam). Two reasons:
1) If you select the Government rate from a participating U.S. Government Rental Car Program vendor, you’re covered in the event of an accident (more on that in a minute); and…
2) If you purchase rental car insurance in a CONUS/non-foreign OCONUS location, the Joint Travel Regulations (JTR), forbid you from claiming it on your voucher.*
Translation – if you make the mistake of purchasing rental car insurance, it’s coming out of your own pocket. (Do you really want to pay for something you don’t need? We didn’t think so.)
*Note: Some foreign locations require additional rental car insurance. If you happen to be renting a vehicle in one of those locations, you’re eligible for reimbursement.
So, virtuous traveler, here’s your action plan:
1) When you make your rental car reservations via the Defense Travel System (DTS) or your Travel Managment Company (TMC), make sure you select the Government rate from a participating U.S. Government Rental Car Program vendor. You’ll know that you’re in good shape if you notice the presence of a $5.00/day fee known as the Government Administrative Rate Supplement (GARS). This handy little fee gives you a whole host of benefits – one of which is liability coverage and loss/collision damage waiver (which covers you in the event of an accident).
Helpful tip: Try to make your rental car reservations prior to arrival. If you wait until you get to the rental car counter, you may not be able to get bankatunion business login Government rate.
2) When you show up at the rental car counter, make sure you verify that your rental car contract has GARS listed. If it’s missing, ask the rental car rep to add it.
3) When you’re traveling in a CONUS or a non-foreign OCONUS location and the rental car rep asks if you would you like to purchase insurance, decline kindly. Something to the tune of, “no, thank you – but I will take one of those city bank lubbock texas phone number pens to replace the one I lost on the plane” should do the trick.
For more information about rental car insurance, see our U.S. Government Rental Car Program Fact Sheet. You may also be interested in our Programs & Policies – U.S. Government Rental Car Program web-based training module in the Travel Explorer.
Car insurance is a topic many military members pay little attention to. In fact, most people don’t pay attention to it. With everything else going on in our busy lives, it’s easy to set it and forget it. While that is the easiest route to take, it may not be the most financially prudent.
Think about the last time you moved or PCS’d. Did you get a new auto insurance quote? Or did you simply update your policy and go about your business as usual? When was the last time you got a new auto insurance quote?
The easy thing to do when you move is to update your current policy to reflect your new address. It only takes 10 minutes on the phone and you can go about your business.
But many people don’t realize that requesting quotes from multiple insurance companies only takes a few extra minutes, and can save you hundreds of dollars.
There are other ways to save money too.
Making a few small changes to your driving habits or insurance policy can also save you hundreds of dollars a year.
The following tips will help you save money on your car insurance rates. Some of them will be easy to do, while others might take a little work. But with a little planning, you can enjoy adequate coverage and save money.
How Military Members Can Save on Car Insurance
There are several other things you can do to keep your auto insurance rates in check. The best place to start is with an annual rate quote. It’s a good idea to compare your insurance rates at least once a year, or any time you move to another location. Even moving across town can affect your insurance rates!
We have a list of providers further down in the article. But first, here are some more ways to save on military car insurance:
Good driver or safe driver discounts
There are many factors that contribute to the insurance premium you pay for car insurance. One of these factors is your driving record. If you are prone to speeding and/or accidents you will pay the price in higher insurance premiums.
Your driving record to an insurance company is similar to your credit score with a lender. Both military car insurance used to assess risk and determine just how much you are going to pay in the long run.
Many insurance companies offer discounts the longer you go without a blemish on your record. Some companies even reduce or usps office open today your deductible with a good driving record!
Inquire about multiple policy discounts
Many insurance companies offer discounts when you insure one or more vehicles under the same policy, or when you bundle insurance policies together. Examples include homeowners or renters insurance, recreational vehicle or motorcycle insurance, high-value property insurance, and more.
Review your driving habits
The number of miles you drive each month affects your rates. You may be able to save money each month by reducing the number of miles you drive, or shifting your primary vehicle to the less expensive vehicle if you own more than one car. Make sure your policy is up to date, especially if your commute changes.
You may also be able to get better rates if you have a car you only drive on weekends, to and from car shows, or for special needs. Examples include a classic car, light-duty pickup, hunting vehicle, etc.
Ask for other discounts
Some insurance companies also offer additional discounts. Examples include safety features on your vehicle, such as day time running lights, security or safety features, vehicle alarm, or the willingness to put a data recorder on your vehicle so the insurance company can track your driving habits.
Some insurance companies also provide discounts for military car insurance, military members, members of professional organizations, or those in specific occupations.
Good Student Discounts
Insuring teems is often very expensive. But studies have shown that students with good grades represent a lower risk class than students with poor grades. Inquire about good student discounts if you have a teen on your policy.
Certain vehicles are simply more expensive to insure than others. Some of the features considered when determining your insurance premium include the make, model, safety features, performance capability and cost to replace or repair the vehicle.
This does not necessarily mean that the more expensive your vehicle the higher your premium. However, if you are driving a sports car or perhaps a foreign model, you will often find yourself paying more than the run of the mill domestic variety.
In some cases, you will be better off insuring certain cars or motorcycles with different insurance providers. For example, when I bought my motorcycle a few years ago I inquired about adding it to my auto policy.
My auto insurer at the time, USAA, recommended I look elsewhere for a motorcycle policy because they didn’t believe they would offer competitive rates.
They offered me a quote, and I also looked at their recommended provider. It was cheaper for me to insure my car through USAA and my motorcycle through another provider (not many insurance companies would recommend using a competitor, which is one reason I love USAA!).
I later sold my motorcycle and bought a classic muscle first national bank severna park. This time, USAA offered good rates, but the coverage and replacement value were less than if I went with a specialized insurance provider. I recommend looking into insurance through Hagerty if you have a classic or premium auto. They offer excellent rates.
A higher credit score can equal lower premiums
While they don’t seem related, your credit score can actually have a big impact on your insurance premiums. Car insurance companies look at your credit score as a risk indicator. Monitor your credit score to ensure your premiums are where they should be. (learn how to get your free credit score, without a credit card).
Put your vehicle insurance on vacation when you travel or deploy
You can contact your insurance provider and have them reduce your insurance if you won’t be driving your car while you are deployed. For example, my premiums were reduced to around $10 a month military car insurance I deployed because I wasn’t driving the vehicle. I had them change the policy effective the day after I left, and I reactivated my policy before I returned.
Be sure to let them know you won’t be driving the vehicle and be sure to reinstate your policy when you return! (It’s better to put your vehicle in vacation status so your vehicle is insured the entire time, and so you don’t have a break in coverage).
The insurance industry is a competitive one which means you must review and compare several providers before making your final decision. You can do this with relative ease online where shopping for the best rate has become much easier than it was in the past. When comparing price be sure to compare the coverage as well, the least expensive policy is necessarily the best if you end up paying more out of pocket.
Finally, the best auto insurance companies also have the highest ratings. So be sure to check their ratings from the major insurance rating companies such as A.M. Best, Fitch, Moody’s, and others.
How to Shop for Auto Insurance Quotes
There are dozens of insurance companies, from the major national companies to local and regional companies. Your mileage may vary, so it’s always a good idea to compare quotes from multiple locations.
You can start by clicking on your state in the map below:
A few tips: If you are stationed overseas, it’s worth looking into local options found in that country. But also take a look at insurance from companies like USAA and GEICO, both of which often have policies for service members located overseas.
I first became a USAA member when I was stationed in the UK because that was the best option for car insurance for me. I looked into a policy from GEICO, but I was only 20 years old and wasn’t old enough for an overseas policy through them (this was well over a decade ago, so their policies may have changed).
Compare quotes from multiple auto insurance companies
It’s a good idea to compare multiple insurance quotes and to make sure you are comparing apples to apples. So military car insurance sure to write down not only the monthly or annual payment, but the insurance terms, deductibles, and other information that will make it easier for you to compare policies.
I usually create a spreadsheet and fill in the data as I make the phone calls.
The columns in the spreadsheet would look something this:
- Company, Monthly Price, Annual Price, Coverage, Deductible, Discounts, Roadside Assistance (yes/no), Notes
Having everything in a spreadsheet or written clearly on paper makes the quote process easy and efficient. You can usually get through a quote via phone in about 10 minutes, and you can often get multiple online quotes in just a couple of minutes. Then it’s as simple as comparing the policies on your spreadsheet.
Where to Shop for Auto Insurance Quotes
The following companies offer auto insurance quotes online. As always, the rates will depend on many factors including your driving record, credit score, location, types of vehicles you want to insure, etc.
Your best bet is to contact several companies and compare policies before making a decision. We can only list national companies here, so it’s also a good idea to check local or regional insurance carriers.
I have been a USAA member for over a decade now, and have used them for my auto insurance for most of that time. They have always been helpful when I have made a claim, and even recommended I look at other options when I inquired about insuring my motorcycle and classic Corvette. Their transparency and customer service have earned a member for life. But it’s also a good idea to shop around.
Esurance started out as an online insurance company and was later acquired by Allstate. They offer great rates and excellent customer service.
Liberty Mutual Insurance
Liberty Mutual is one of the largest auto insurance companies in the U.S. They offer benefits such as accident forgiveness and multi-policy bundling discounts. They also offer discounts for members of over 14,000 groups, including employers, credit unions, alumni associations, and more.
Get Multiple Quotes in One Place:
There are many other places to get insurance quotes. Some sites are aggregators that will shop your information to multiple insurance companies. This can be a quick way to get multiple quotes, but it can also result in military car insurance phone calls or emails, so be aware that you may receive several calls.
A popular website for getting quotes from multiple auto insurance companies is Insurify.
You can also use an insurance broker or salesman to get multiple quotes. Some insurance agents only work with one company, and can only give you those quotes, while other insurance agents are able to get quotes from many companies, making it easier for you to find the best policy for your needs.
These are just a few of the ways in which you can save money on car insurance. To ensure you are getting the best price and coverage available, spend some time doing your own research and do not be afraid to shop around. There are almost always better deals available if you are just willing to put forth the effort to find them.
Photo credits: Robbie Howell, driver Photographer
Ryan Guina is The Military Wallet’s founder. He is a writer, small business owner, and entrepreneur. He served over six years on active duty in the USAF and is a current member of the Illinois Air National Guard.
Ryan started The Military Wallet in 2007 after separating from active duty military service and has been writing about financial, small business, and military benefits topics since then. He also writes about personal finance and investing at Cash Money Life.
Ryan uses Personal Capital to track and manage his finances. Personal Capital is a free software program that allows him to track his net worth, balance his investment portfolio, track his income and expenses, and much more. You can open a free Personal Capital account here.
Featured In: Ryan’s writing has been featured in the following publications: Forbes, Military.com, US News & World Report, Yahoo Finance, Reserve & National Guard Magazine (print and online editions), Military Influencer Magazine, Cash Money Life, The Military Guide, USAA, Go Banking Rates, and many other publications.
Military Personnel and Michigan Residents Temporarily Outside of Michigan
To apply for a vehicle title and registration in Michigan, an Application for Certificate of Title and Registration (TR-11L) must be completed and signed by the purchaser. A Special Mailer of Certificate for Title (TR-114) form should accompany the title application if the title is to be mailed to an address other than that shown on the title application.
In order for you to apply for a Michigan title and registration, please complete and sign the TR-11L title application form, being certain to include:
- The vehicle model year, vehicle make, body style, vehicle homes with acreage for sale in northern colorado number, and manufacturer base price.
- The name and address of the purchaser.
- The name and address of lien holder(s) if applicable.
- If the vehicle was previously titled, you must submit the properly assigned title along with an itemized bill of sale. Be certain the odometer statement on the back of the previous title is properly completed. If you purchased the vehicle first national bank severna park from a dealer, submit the Manufacturer Statement of Origin and bill of sale from the dealer.
- Remit 6% sales tax on the purchase price of the vehicle.
- If the vehicle is already titled in your name in another state, the title is being held by a lien holder, and you wish to only bank of eastman magnolia state bank the vehicle in Michigan, you must submit a copy of the title or current out of state registration in your name.
- Proof of Michigan no-fault insurance must be submitted if you are purchasing or renewing a Michigan license plate.
- Include $15.00 title fee if applying for a Michigan title. If the vehicle title has a lien, the title fee is $16.
- Registration fees are based on the vehicle's manufacturer base price and compare online high interest savings accounts owner's birthday. You may figure your license plate fee using our plate fee calculator. If you need assistance determining your license plate fee, please call 517-636-5872.
A check or money order made payable to the "State of Michigan" for the total amount due must accompany all title and registration applications in order to process your transaction. Please mail your payment and signed application for title and/or registration to:
Michigan Department of State
The Special Services Branch
7064 Crowner Drive
Lansing, MI 48918
Application for Michigan Vehicle Title
Special Mailer of Certificate for Title (TR-114)