Detroit car insurance is expensive. In fact depending on which figures you look at, it is the most expensive city in the United States to insure your car. Thus, you need to make good use of Detroit auto insurance quotes, which you can get instantly above.
Being the largest city in Michigan, Detroit has a more people than anywhere else in the state. The population of a particular city can directly affect car insurance rates. The number of people who own cars can also influence this, as the more cars there are, the more likely you are to get in an accident.
When getting Detroit car insurance, it is important to consider the following factors, as they will have an direct effect on the rates that will be made available to you.
Detroit Auto Insurance Agents
While shopping online is the only way to get the absolute lowest rates, you can still buy insurance from an agent. The following links show where you can find an agent near you from some of Michigan’s largest insurers.
Allstate only has 3 agents within the boundaries of Detroit itself. However, it has 76 additional agents in surrounding suburbs and communities like Dearborn, Royal Oak, Garden City, Grosse Pointe, Livonia, Trenton and more.
Farmers only has a handful of agents located within Detroit itself, but has 16 agents within 10 miles in areas like Dearborn, Dearborn Heights and Warren.
Detroit Geico Insurance Agents
Surprisingly, not only doesn’t Geico have any agents in or around Detroit but it doesn’t have any local agents anywhere in Michigan. Instead you can only buy online or over the phone.
Progressive insurance has working relationships with 16 agents, agencies and brokers in the greater Detroit area.
State Farm is the leader when it comes to agents actually working in Detroit itself with 10 listed on their website. Don’t worry if you don’t live in Detroit proper though, they also have a huge network of agents in the surrounding areas.
Your insurance agency not listed? If you own an insurance agency that operates in Detroit and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.
Average Detroit Car Insurance Rates
According to the Insurance Information Institute, Detroit is the most expensive city in the US to buy car insurance. They claim the average annual premium in 2011 are a mind blowing $5,941 (more than some houses). CarInsurance.com has also found Detroit to be among the most expensive cities in the country, although their average quoted premium price is a bit lower at $2,731 per year.
In any case a surefire way to pay as little as you are entitled to is to make sure you get free quotes today. Use the form at the top or bottom of this page to get instant Detroit car insurance quotes.
Driving In Detroit
Given that Detroit is the birthplace of the modern auto industry, it should come as almost no surprise that it is a car friendly city. According to the INRIX Nation Traffic Scorecard Detroit ranks 22nd in congestion, yet remains the 11th largest metropolitan area in their study.
The worst corridor in the city (but only 176th worst in the nation) was the Edsel Ford Freeway (I-94) Eastbound between Grand BLVD/EX 213 and Chene ST/EX 217. You can find out more about driving in Detroit and general traffic conditions from the Michigan Department of Transportation’s Mi Driver Interactive Map. It lists problems in real time so you can avoid them and remain accident free.
Michigan Car Insurance Laws
Since Detroit is in Michigan, you must follow Michigan’s auto insurance laws when you drive in Detroit. There are several important aspects you should know before you purchase insurance coverage.
The most important thing to know about Michigan car insurance is that Michigan is a ‘no-fault‘ state. What this means is that your insurance company pays medical costs to you in the event of an accident, as outlined in your Personal Injury Protection (PIP) portion of your auto insurance policy. You will also be required to buy Property Protection ($1 million) and Residual Liability Insurance and Bodily Injury and Property Damage Insurance (20/40/10 minimum coverage required.)
There are several other important things you should know. For example, who is eligible for insurance in Michigan, legal reasons why you can be denied coverage and how insurance eligibility points work. You can find the answers to these questions from this short form put out by the Office of Financial and Insurance Services. For answers to other questions see either the Michigan Department of State and/or The Office of Financial and Insurance Regulation.
Getting Detroit Car Insurance Quotes Online
Before anything else, you should only work with car insurance companies that you can trust. In this way you can be assured that they will give you the best car insurance policy for you at their best rates. If you want to be able to save on your car insurance, then the best thing you should do is look for car insurance online.
It would also be helpful to check out which factors influence your Detroit car insurance rates. This can include the current state of your vehicle, what kind of car it is, and the length of your driving experience. Knowing all these things will allow you to properly prepare for the rates that you will be subjected to once you apply for car insurance online.
If you have a good driving record, then you are likely to get cheaper rates than someone who has been in a car accident more than once. It is easier to get cheap car insurance online because you can readily compare quotes. Getting as many quotes as you can, from as many insurance companies as you can, will make it easier for you to choose the best policy at the cheapest price.
You can get instant Detroit car insurance quotes right now using the form below.