Unimaginable but true, the vast majority of auto insurance customers kept their policy with the same company for well over three years, and almost half have never compared rates from other carriers. Drivers in Detroit can save as much as $3,800 each year just by shopping around, but they don’t invest the time required to save money by comparing rate quotes.
The recommended way to find low-cost prices for auto insurance rates is to start comparing rates regularly from companies in Detroit. Prices can be compared by following these steps.
Step 1: Gain an understanding of how insurance works and the things you can control to keep rates down. Many rating factors that are responsible for high rates like traffic violations and poor credit can be eliminated by making minor changes in your lifestyle.
Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from one company like Progressive or Farmers Insurance, while independent agents can provide price quotes for a wide range of insurance providers. Get quotes now
Step 3: Compare the new quotes to your existing policy to see if a cheaper price is available in Detroit. If you can save some money and change companies, make sure there is no lapse in coverage.
Step 4: Give proper notification to your current agent or company to cancel your current coverage. Submit a completed policy application and payment for your new coverage. Immediately safely store the proof of insurance certificate in your glove compartment.
The key thing to know about shopping around is to use similar limits and deductibles on each price quote and and to compare every insurance company. Doing this guarantees the most accurate price comparison and the best price selection.
If you are insured now, you should be able to shop for the lowest rates using these tips. Choosing the best rates in Detroit can be much easier if you know how to start. But Michigan drivers can benefit by having an understanding of how big insurance companies charge you for coverage because it can help you find the best coverage.
Just remember that quoting more helps you find the best offered rates. Not every company allows you to get online Detroit Ion insurance quotes, so it’s recommended that you also compare quotes from them as well.
The providers in the list below can provide price quotes in Detroit, MI. To buy cheaper car insurance in Detroit, it’s a good idea that you get prices from several of them to get a more complete price comparison.
Determine discounts on Detroit insurance
Some insurers don’t always list every policy discount in an easy-to-find place, so here is a list a few of the more common and the harder-to-find discounts that you may qualify for.
- Theft Deterrent – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will qualify for a discount on a Detroit auto insurance quote.
- Renewal Discounts – Some insurance companies give discounts for switching policies before your current expiration date. It’s a savings of about 10%.
- Federal Government Employee – Employees or retirees of the government can save as much as 8% depending on your insurance provider.
- No Charge for an Accident – Not a discount per se, but companies like Allstate and Progressive will forgive one accident before hitting you with a surcharge so long as you are claim-free before the accident.
- Passive Restraints and Air Bags – Cars that have air bags may earn rate discounts of 25 to 30%.
One last thing about discounts, many deductions do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as liability and collision coverage. So when it seems like you could get a free insurance policy, you won’t be that lucky. Any amount of discount will cut your policy premiums.
Insurance companies that possibly offer these discounts include:
When quoting, ask each company how many discounts you can get. Discounts may not be offered in your state. To see companies that offer many of these discounts in Michigan, click here.
Buying from insurance agents
A small number of people would rather sit down with an agent and doing so can bring peace of mind One of the great benefits of getting free rate quotes online is that you can find better rates and still have a local agent.
Upon completion of this form (opens in new window), your insurance coverage information gets sent to companies in Detroit that can provide free Detroit auto insurance quotes for your insurance coverage. You won’t even need to visit any agencies since price quotes are sent to your email. You’ll get the best rates AND an agent nearby. If you wish to get a rate quote from a specific company, just search and find their rate quote page and fill out the quote form the provide.
Choosing a provider requires you to look at more than just the premium amount. These are valid questions to ask:
- Do they feel the quoted coverages are adequate?
- Are they able to provide referrals?
- Does the company have a solid financial rating?
- Are aftermarket or OEM parts used to repair vehicles?
- Is the agent CPCU or CIC certified?
- Did they already check your driving record and credit reports?
- How will an accident affect your rates?
Independent or Exclusive: It’s your choice
When narrowing the list to find a reliable insurance agency, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Insurance agents are either independent or exclusive depending on the company they work for.
Exclusive Insurance Agencies
Exclusive agents normally can only provide a single company’s rates like State Farm or Allstate. They generally cannot compare other company’s rates so always compare other rates. These agents are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums.
Listed below is a list of exclusive insurance agents in Detroit willing to provide rate quotes.
Tony Massey – State Farm Insurance Agent
15 E Kirby St #112 – Detroit, MI 48202 – (313) 873-3334 – View Map
Allstate Insurance: Ago Benavides
3570 W Vernor Hwy – Detroit, MI 48216 – (313) 849-2000 – View Map
Angela Hughes – State Farm Insurance Agent
14511 W McNichols Rd – Detroit, MI 48235 – (313) 862-7800 – View Map
Independent Insurance Agents
Agents that elect to be independent are not employed by one company and that is an advantage because they can write policies with an assortment of companies depending on which coverage is best. If prices rise, they simply move your policy to a different company and you don’t have to do anything.
When comparing insurance rates, you will want to compare quotes from a couple of independent agencies to have the best price comparison.
The following are independent agents in Detroit that are able to give rate quotes.
Diebold Detroit Insurance Agency
1420 Broadway St #101 – Detroit, MI 48226 – (313) 964-3750 – View Map
Titan Insurance
3144 Woods Cir Dr – Detroit, MI 48207 – (313) 974-7085 – View Map
Look! Insurance
11324 W Jefferson Ave # 1 – River Rouge, MI 48218 – (888) 566-5467 – View Map
Coverage specifics
Understanding the coverages of your policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages available from auto insurance companies.
Comprehensive or Other Than Collision
Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like a tree branch falling on your vehicle, vandalism, hitting a deer, damage from getting keyed and fire damage. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Collision coverage protection
Collision insurance covers damage to your Ion resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for claims such as crashing into a ditch, driving through your garage door, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible on your Ion in order to get cheaper collision rates.
UM/UIM Coverage
This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Saturn Ion.
Due to the fact that many Michigan drivers only carry the minimum required liability limits (20/40/10 in Michigan), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Medical costs insurance
Med pay and PIP coverage provide coverage for expenses for things like chiropractic care, dental work, pain medications and rehabilitation expenses. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible
Liability coverages
Liability coverage protects you from injuries or damage you cause to other’s property or people. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 20/40/10 which stand for $20,000 in coverage for each person’s injuries, $40,000 for the entire accident, and a limit of $10,000 paid for damaged property.
Liability can pay for things like pain and suffering, emergency aid and legal defense fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible. Michigan requires minimum liability limits of 20/40/10 but you should consider buying higher limits.
The next chart demonstrates why buying minimum limits may not provide adequate coverage.
Don’t give up on cheaper rates
The cheapest Saturn Ion insurance in Detroit is definitely available online and with local Detroit insurance agents, so you need to quote Detroit auto insurance with both to have the best rate selection. Some insurance companies don’t offer price quotes online and many times these smaller providers provide coverage only through independent agents.
As you go through the steps to switch your coverage, it’s very important that you do not reduce coverage to reduce premium. Too many times, an accident victim reduced physical damage coverage only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to buy the best coverage you can find for the lowest price, not the least amount of coverage.
We just showed you a lot of ways to find affordable Saturn Ion insurance in Detroit. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the best car insurance rates are with some of the smallest insurance companies. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Allstate, GEICO and Progressive.
Additional insurance information can be found at the links below
- Teen Driver Licensing Information (iihs.org)
- Who Has Cheap Car Insurance Rates for Infrequent Drivers in Detroit? (FAQ)
- Who Has Affordable Auto Insurance for Used Cars in Detroit? (FAQ)
- Who Has the Cheapest Detroit Car Insurance Rates for a Honda Civic? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Toyota RAV4 in Detroit? (FAQ)
- Who Has the Cheapest Car Insurance for Good Drivers in Detroit? (FAQ)
- Who Has the Cheapest Detroit Auto Insurance Rates for 16 Year Olds? (FAQ)
- Auto Insurance FAQ (Farmers Insurance)
- How do I File a Claim? (Insurance Information Institute)
- Red Light Cameras (State Farm)
- Distracted Driving (Insurance Information Institute)