A study showed that 70% of consumers kept buying from the same company for four years or more, and 38% of customers have never even compared rates from other companies. The average driver in Detroit could save themselves up to $3,800 a year by just shopping around, but they just assume it’s a time-consuming process to find cheaper insurance by shopping around.
If saving the most money is your goal, then the best way to find cheaper prices for car insurance rates is to start comparing prices regularly from providers who sell insurance in Detroit.
- Step 1: Read about individual coverages and the modifications you can make to prevent expensive coverage. Many rating factors that increase rates like high-risk driving behaviors and poor credit history can be controlled by making minor changes in your lifestyle. This article gives ideas to help find cheaper rates and earn larger discounts.
- Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from one company like GEICO and State Farm, while agents who are independent can quote rates for a wide range of companies. Click to view companies
- Step 3: Compare the new rate quotes to your existing coverage and determine if there is any savings. If you find a better price, make sure coverage does not lapse between policies.
A tip to remember is to compare similar coverage information on each price quote and to quote with as many companies as you can. Doing this ensures a fair price comparison and a thorough selection of prices.
Get discounts to get affordable Detroit car insurance quotes
Car insurance is not cheap, but you might find some hidden discounts to reduce the price significantly. Some of these discounts will be visible when you complete an application, but less common discounts must be specifically requested in order for you to get them. If you check and find you aren’t receiving every discount available, you are paying more than you should be.
- Discount for Swiching Early – A few companies offer discounts for switching policies prior to your current Sebring insurance policy expiring. This discount can save up to 10%.
- Senior Discount – Older drivers can possibly qualify for a small discount on rates.
- Discount for Home Ownership – Just being a homeowner can help you save on car insurance because it is proof that your finances are in order.
- Safety Course Discount – Participating in a class that teaches driver safety techniques may get you a small discount and easily recoup the cost of the course.
- Military Discounts – Having a family member in the military could be rewarded with lower prices.
- College Student – Older children who live away from home at college and do not have a car may be insured at a cheaper rate.
- Data Collection Discounts – Detroit drivers who agree to allow their company to scrutinize when and where they use their vehicle by using a telematics device like Allstate’s Drivewise may see discounts if they are good drivers.
- Early Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can avoid the installment charge.
It’s important to understand that many deductions do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you could get a free car insurance policy, nobody gets a free ride.
The diagram below illustrates the difference between Chrysler Sebring yearly insurance costs with and without discounts being applied to the rates. The data assumes a female driver, no accidents or driving violations, Michigan state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-policy, multi-car, and claim-free discounts applied.
To view companies with significant discounts in Michigan, follow this link.
How to compare Detroit Chrysler Sebring insurance price quotes
When shopping for affordable Chrysler Sebring insurance quotes, there are a couple of ways to compare rate quotes from many different Michigan insurance companies. The best method to find the lowest Chrysler Sebring rates consists of obtaining rate quotes online.
It’s important to know that having more price comparisons increases your odds of finding the best price. Some companies don’t provide Detroit Sebring insurance quotes over the internet, so it’s recommended that you also compare prices on coverage from those companies, too.
The companies shown below provide price quotes in Detroit, MI. If your goal is to find the best car insurance in Michigan, it’s a good idea that you click on several of them in order to get a fair rate comparison.
Chrysler Sebring coverage analysis
The rate table displayed next highlights detailed analysis of insurance costs for Chrysler Sebring models. Having a better idea how auto insurance premiums are calculated can help guide drivers when making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $522 | $1218 | $836 | $50 | $250 | $2,876 | $240 |
| Sebring Limited 4-Dr Sedan | $522 | $1218 | $836 | $50 | $250 | $2,876 | $240 |
| Sebring LX 2-Dr Convertible | $590 | $1218 | $836 | $50 | $250 | $2,944 | $245 |
| Sebring Touring 2-Dr Convertible | $590 | $1218 | $836 | $50 | $250 | $2,944 | $245 |
| Sebring Limited 2-Dr Convertible | $658 | $1402 | $836 | $50 | $250 | $3,196 | $266 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Premium amounts do not factor in your specific Detroit location which can change premiums considerably.
Physical damage deductible comparison
When shopping for auto insurance, a common question is at what level do you set your deductibles. The rates below may help to illustrate how much more you’ll pay when you choose different deductibles. The first price estimate table uses a $250 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $534 | $1060 | $690 | $40 | $206 | $2,555 | $213 |
| Sebring Limited 4-Dr Sedan | $534 | $1060 | $690 | $40 | $206 | $2,555 | $213 |
| Sebring LX 2-Dr Convertible | $602 | $1060 | $690 | $40 | $206 | $2,623 | $219 |
| Sebring Touring 2-Dr Convertible | $602 | $1060 | $690 | $40 | $206 | $2,623 | $219 |
| Sebring Limited 2-Dr Convertible | $670 | $1220 | $690 | $40 | $206 | $2,851 | $238 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $330 | $666 | $690 | $40 | $206 | $1,932 | $161 |
| Sebring Limited 4-Dr Sedan | $330 | $666 | $690 | $40 | $206 | $1,932 | $161 |
| Sebring LX 2-Dr Convertible | $372 | $666 | $690 | $40 | $206 | $1,974 | $165 |
| Sebring Touring 2-Dr Convertible | $372 | $666 | $690 | $40 | $206 | $1,974 | $165 |
| Sebring Limited 2-Dr Convertible | $414 | $768 | $690 | $40 | $206 | $2,118 | $177 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Premium costs do not factor in Detroit location which can lower or raise premiums substantially.
Based on the above data, using a $250 deductible will cost in the ballpark of $54 more each month or $648 a year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you go at least 14 months between claims, you would most likely save money if you choose the higher deductible.
Illustration showing the impact of accidents and violations
The chart below illustrates how traffic citations and fender-benders can impact Chrysler Sebring annual premium costs for different insured age categories. The data is based on a married male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
Liability only or full coverage
The diagram below shows the comparison of Chrysler Sebring yearly insurance costs with full coverage compared to only the Michigan minimum liability coverage. The information is based on no accidents, no driving violations, $1,000 deductibles, single marital status, and no discounts are factored in.
When to buy liability coverage only
There is no written rule for excluding full coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Chrysler Sebring book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $2,000 after paying your deductible. If you are paying more than $200 annually to have full coverage, then you may want to consider only buying liability coverage.
There are some cases where eliminating full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage.
Should I talk to an insurance agency?
Many drivers still like to talk to a local agent and that is a smart decision A good thing about price shopping on the web is you may find cheap auto insurance quotes and also buy local. And buying from small agencies is especially important in Detroit.
Upon completion of this short form, the coverage information is sent to local insurance agents in Detroit that provide free Detroit car insurance quotes to get your business. There is no need to drive around because quoted prices will be sent immediately to you. It’s the lowest rates AND an agent nearby. If you have a need to compare prices from a specific auto insurance provider, just find their quoting web page to submit a rate quote request.
If you’re trying to find an insurance agent, it can be helpful to understand the types of insurance agents and how they can quote your rates. Auto insurance agents can be categorized as either exclusive agents or independent agents.
Independent Auto Insurance Agents
Agents of this type often have affiliation with several companies so as a result can place your coverage with multiple insurance companies depending on which coverage is best. If prices rise, they simply move your policy to a different company and the insured can keep the same agent. When comparing rates, you should always include rate quotes from several independent insurance agents for maximum quote selection. They also have the ability to place coverage with smaller mutual companies that can offer cheaper rates than bigger companies.
Featured below is a list of independent insurance agents in Detroit that can possibly get you cheap rate quotes.
- Dave Gilead Insurance Agency
18323 W McNichols Rd – Detroit, MI 48219 – (313) 533-3220 – View Map - L.A. Insurance
17516 Livernois Ave – Detroit, MI 48221 – (313) 863-6000 – View Map - L.A. Insurance Agency 150
14701 Mack Ave – Detroit, MI 48215 – (313) 884-8888 – View Map
Exclusive Insurance Agents
Exclusive agencies normally can only provide a single company’s rates like Farmers Insurance, State Farm, or Allstate. They are unable to give you multiple price quotes so it’s a take it or leave it situation. Exclusive insurance agents are trained well on their company’s products which helps them compete with independent agents. Drivers often use the same exclusive agent mostly because of the prominence of the brand and the convenience of having all coverages with one company.
Listed below are exclusive agencies in Detroit willing to provide rate quotes.
- PD Dandnaik – State Farm Insurance Agent
W, 7725 Vernor Hwy – Detroit, MI 48209 – (313) 554-1500 – View Map - Kenya Wells – State Farm Insurance Agent
20021 Kelly Rd – Detroit, MI 48225 – (313) 822-5948 – View Map - Jim Saucedo – State Farm Insurance Agent
5602 Vernor Hwy – Detroit, MI 48209 – (313) 841-8100 – View Map
Finding the right insurance agent requires more thought than just a cheap price quote. Ask your prospective agent these questions:
- Which company do they place the most coverage with?
- Does the agency have a current Errors and Omissions policy?
- Is every driver in your family covered?
- Is coverage determined by price?
- Does their agency support local causes in Detroit?
Final considerations
As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. Too many times, an accident victim reduced collision coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to find the BEST coverage at the best cost while not skimping on critical coverages.
Some insurance companies may not provide the ability to get quotes online and these small, regional companies only sell coverage through local independent agencies. Cheap Chrysler Sebring insurance in Detroit can be found from both online companies in addition to many Detroit insurance agents, and you need to comparison shop both to have the best chance of lowering rates.
We just showed you a lot of ways to get a better price on Chrysler Sebring insurance in Detroit. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the best price on insurance is with a lesser-known regional company.
Much more information about insurance in Michigan can be read below:
- Senior Drivers (Insurance Information Institute)
- Who Has Cheap Car Insurance Quotes for Veterans in Detroit? (FAQ)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Credit Impacts Car Insurance Rates (State Farm)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Crash Avoidance Technologies FAQ (iihs.org)