DETROIT – Michigan’s new auto insurance law is one many residents have been waiting for because of the lower rates, but there are complex choices drivers have to make. The lower auto insurance rates arrive Thursday (July 2). You’re going to want to look to see if you have what’s called “coordinated coverage.”That’s medical insurance. Liability coverageThe second choice surrounds liability coverage. “It’s taking about 45 minutes to an hour to educate a consumer and let them know their options and make an educated choice,” Shrock said.