Despite the city’s recent hardship, there are still many options for cheap insurance Detroit can offer. Many local community groups and non-profits have committed to revitalizing the “blighted” neighborhoods, hoping to attract new residents. While theft rates, particularly auto theft, remain high (close to 12,000 a year for car theft), traffic isn’t as bad as it once was, and insurance rates have been in continuous adjustment.
If you’re in need of new auto insurance, or want to see if you can save some money, here are some tips.
The Absolute Most Important Tip For Cheap Rates!
- Collision insurance which will cover your car and yourself in an accident
- Comprehensive coverage will pay for theft of a vehicle as well as other minor damages not incurred in an accident.
- Towing and Roadside Assistance are great features you can add to your insurance policy.
It’s simple. Get as many quotes as possible before you buy. There are no tricks or hidden secrets. The best thing you can do is take a few minutes to shop. With online tools at your disposal, it only takes a few minutes and is as easy as submitting your zip code below! You’ll be able to see what the major brands will charge you, as well as agents in your area!
Other Helpful Tips.
- Know what you need before you shop: Our Michigan state page can explain the minimum requirements for your state, but that may not be adequate coverage for you. If you have a new car you may consider full coverage (Comprehensive and Collision) or increased liability limits. The latter can be purchased for just a few dollars a month in most cases.
- Know your neighborhood: Certain Detroit neighborhoods will have higher rates than others (for different reasons). For instance, Grosse Pointe is probably going to have cheaper full coverage rates than Detroit’s Northeast corner.