Livonia, despite its proximity to blighted Detroit, has none of the larger city’s crime or traffic problems. In fact there were only 200 cars stolen in 2012. Combined with the city’s other crime statistics, the numbers add up to a rate that is about half the national average. This is good news if you’re in the market for a new policy. There are a number of options for cheap insurance Livonia agents can offer, and the best way to lower your rates is to comparison shop.
Some city facts that affect your rates:
- The economy is fairly diversified, but a lot of residents work outside the city, so rush hours see some heavy traffic congestion along the highways.
- The area of the city between Six Mile Road and I-96 has the highest population density. This could mean that residents of those neighborhoods will pay a bit more for certain coverages (like liability and collision). This is due to the higher accident rates of densely populated areas.
- There are a number of public and private colleges/universities in the city. This has a couple effects on the insurance rates. First, because there are a bit more younger drivers on the road, the average price of insurance goes up (younger drivers pose a higher risk to the insurance companies). Second, it also means that many of those students and educators may qualify for additional discounts. Students with good grades get discounts, and workers with post-high school education generally do as well. Be sure to ask your agent if you qualify for either.
