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Are you in need of cheap auto insurance in Sterling Heights, Michigan? From AutoInsuranceEZ.com, you can find the lowest priced insurance premiums where you live. To get free car insurance quotes available from the leading providers right now, key your zip code in the quote box on this site.

Sterling Heights is a fairly young city situated along the Clinton River and its tributaries. It is also one of the largest suburbs outside of Detroit. Sterling Heights is famous for annual events such as the American-Polish Festival and the Sterlingfest carnival. According to the magazine Money, Sterling Heights was ranked amongst the top 20 “Best Small Cities” in the United States.

  • Fun fact: rest easy, because Sterling Heights is #69 on the list of “Top 100 safest cities (lowest city-data.com crime index) (pop. 50,000+)”!

Auto Insurance Coverage Requirements in Michigan

Driving legally in Sterling Heights requires:

Coverage Requirements Most Common
Bodily Injury Liability 20,000/40,000 100,000/300,000
Property Damage Liability 10,000 100,000
Uninsured Motorist Bodily Injury Not required 20,000/40,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

However, keep in mind that liability insurance is extremely limited in what claims it will pay out. For theft, vandalism, or an accident that is the other driver’s fault, your insurance will not cover you.

It’s pretty inexpensive (around $213/month) for most motorists to get insured within the state of Michigan. However, Sterling Heights denizens can get rates as low as $94/mo* if they know how and where to look. We’ll explain this in detail below.

Average Monthly Auto Insurance Premiums Legend: Sterling Heights Nationwide Farm Bureau Allied Hanover Liberty Mutual 10 20 30 40 50 60 70 80 90 100 $48 $102 $105 $92 $84

 

As you can see, the most competitive rates being offered in Sterling Heights right now are from Liberty Mutual, Hanover, and Nationwide. However, there are other factors at play, such as customer service and ease of claim filing. Depending on what company attributes are more important to you, a slightly higher premium might be worth the money in the long run.

Auto insurance providers consider numerous elements when figuring out insurance prices, like driving experience, driving violations, type of vehicle owned, years of driving experience, and multiple cars and drivers. In addition, you should know that premiums vary from provider to provider. To verify that you are still paying the cheapest price, assess cheap Sterling Heights auto insurance estimates via the internet.

Major Car Insurance Factors in Sterling Heights

Once your automobile insurance provider gets ready to build your insurance plan, they take lots of issues under consideration. Some of these, for example your real age or perhaps your particular region, usually are impossible to vary, including:

  • Your Zip Code

The place you park your vehicle nightly will likely have a major impact on your car insurance rate. Typically, car insurance is less expensive in rural areas merely because fewer automobiles signifies a smaller likelihood that you’ll get in a collision with another car. The total population of Sterling Heights is 131,224 and the typical family earnings are $57,732.

Auto Insurance by Zip Code Legend: Detroit Warren Sterling Heights Grand Rapids Flint Nationwide Farm Bureau Allied Hanover Liberty Mutual 15 30 45 60 75 90 105 120 135 150 165 $63 $48 $48 $42 $59 $99 $123 $102 $76 $96 $143 $89 $105 $63 $112 $154 $101 $92 $65 $111 $165 $75 $84 $65 $121

 

  • Automotive Accidents

Local accident statistics are also a reliable predictor of the likelihood of an accident. If your area is prone to frequent and serious accidents, you will likely see higher premiums as a result. Sterling Heights drivers can rest easy since, as the chart shows, serious accidents are infrequent in the area.

Fatal Accidents in Sterling Heights, MI Legend: Sterling Heights Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 2 4 6 8 10 12 14 16 18 4 11 1 5 18

 

  • Auto Thefts in Sterling Heights

Obtaining inexpensive auto insurance can be tough if you are vulnerable to auto theft. Certain trendy automobile models usually are popular with thieves, as well as automobiles which might be parked typically in huge metropolitan areas. The total quantity of thieved automobiles in Sterling Heights was 199 in 2013. Even though auto theft rates are very low, you still might want to consider Comprehensive coverage.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Nationwide Farm Bureau Allied Hanover Liberty Mutual 50 100 150 200 250 300 350 400 $48 $168 $102 $297 $105 $187 $92 $190 $84 $432

 

  • Your Credit Score

Why do auto insurance companies look at your credit score before they determine your rate? Well, the working logic is that people with higher credit scores are more likely to pay their premiums on time each month. This reduces the financial risk for the insurance company, and they reward their customers with lower rates. In the chart below, you can see how drastically different rates can be depending on whether you have excellent or poor credit:

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Nationwide Farm Bureau Allied Hanover Liberty Mutual 25 50 75 100 125 150 175 200 225 $45 $51 $91 $193 $89 $164 $79 $144 $26 $232

 

  • Your Age

As you can see from the chart below, young teenage drivers get charged significantly higher rates. Their youth, as well as their lack of driving experience, make them much more risky to insure. However, teenage drivers can try to alleviate some of this financial burden by looking into a Good Student discount, or taking additional driver education courses.

Auto Policy Age Comparison Legend: 34 Year Old 17 year Old Nationwide Farm Bureau Allied Hanover Liberty Mutual 35 70 105 140 175 210 245 280 315 $48 $91 $102 $178 $105 $320 $92 Do Not Sell $84 $206

 

  • Your Driving Record

There’s a new trend in the automotive insurance industry: “Accident Forgiveness”. Many companies are recognizing that minor violations or minimally damaging accidents don’t necessarily make you a bad driver. Ask your insurance agent if you are eligible for an accident forgiveness discount.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Nationwide Farm Bureau Allied Hanover Liberty Mutual 30 60 90 120 150 180 210 240 270 300 $48 $50 $53 $55 $102 $146 $102 $115 $105 $138 $314 $188 $92 $115 $133 $126 $84 $184 Do Not Sell $113

 

  • Your Vehicle

Generally speaking, the only major factor which auto insurance companies care about is how much it will cost them to replace your car in the event of a serious accident. Because luxury vehicles, such as porches, are so much more expensive than regular sedans, you can see in the chart below that monthly premiums for these automobiles are much higher.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Nationwide Farm Bureau Allied Hanover Liberty Mutual 50 100 150 200 250 300 350 400 450 $48 $185 $102 $327 $105 $208 $92 $194 $84 $462

 

Minor Car Insurance Factors in Sterling Heights

These factors, in addition to the factors above that are very significant, can all contribute to your final monthly insurance premium:

  • Your Marital Status

If you’re married, than you have an advantage over singles in that you can get automobile insurance discounts by bundling your policy with your spouse. Furthermore, bundling different types of insurance under the same company can get you even more discounts.

  • Your Gender

Companies are increasingly phasing out the practice of charging men and women significantly different rates for automotive insurance policies. Several of the major providers are now charging both genders the same rate, all other factors being equal. Those who charge different rates only vary their prices by a few dollars per month.

  • Your Driving Distance to Work

If you live and work in Sterling Heights, you might end up spending 22-27 minutes driving around for your average commute. And odds are you will need a car to get around; over 90% of workers commute by driving their own automobile alone. Anywhere from 4-15% may carpool.

Most people believe that if you drive more miles on an annual basis, you’ll be charged more for your insurance rates. While some companies might charge more, others don’t. The biggest factor revolves around what you use your vehicle for. If your car, truck, or SUV is used as a business vehicle, expect to pay about 10-15% more per month in premiums.

  • Your Coverage and Deductibles

As you may know, the more coverage you buy, the higher your premiums will be. But you can lower your premiums and increase your coverage by lowering your deductible. This is a great way to save money month-to-month. Just make sure you have enough cash on hand in case you do need to pay that higher deductible.

  • Education in Sterling Heights, MI

In Sterling Heights, the largest amount of drivers on the road have a high school diploma. Additionally, there are nearly as many drivers with bachelor’s degrees as there are motorists who have not yet completed their high school education. If you’re thinking of taking your studies to the next level, consider this: the higher the degree you have, the lower your auto insurance rate will be. Not even a fancy job title or a high salary can do that.

If you happen to live in Sterling Heights and are also in need of a GED, the Utica Learning Academy will be able to meet your needs. You can also look into several universities in nearby Warren, or try the Macomb Community College to the East in Clinton.

Regrettably for most insurance companies, a pretty simple internet search could uncover so many of their trade tricks. But even using the correct advice, it may still be challenging for anyone as an individual to determine your personal risk profile and find cheaper insurance. Make sure you carry out your own due diligence prior to committing to your subsequent car insurance policy. Learn more about Sterling Heights, Michigan.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

The Michigan Department of Insurance and Financial Services

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

Compare Auto Insurance Rates in Sterling Heights, Michigan – See How Much You Can Save

 

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