UPDATED: Mar 13, 2020
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Are you in need of cheap auto insurance in Warren, Michigan? From AutoInsuranceEZ.com, you can find the most affordable insurance premiums close to you. To find free car insurance rates from the top rated providers right away, provide your local zipcode within the quote box located on this page.
Warren is one of the largest suburbs within the entire state of Michigan and also home to many important industries. For one, Warren is the location of the General Motors Technical Center, as well as the US Army Detroit Arsenal. Historically, the city can trace its roots all the way back to the 1830’s.
- Fun fact: Does that guy look familiar? Because Warren is #56 on the list of “Top 100 least racially diverse cities (pop. 50,000+)”.
Auto Insurance Coverage Requirements in Michigan
Driving legally in Warren requires:
|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|
But remember that Liability coverage is extremely limited. Your Liability insurance will only pay out claims in the event that you get into an accident which you are deemed liable for (if the accident is your fault). If your car is stolen, or if you get into an accident caused by someone else, your insurance will not pay out on any claims.
The average Michigan motorist might get saddled with a $213 monthly premium just for driving around within their state. However, Warren motorists have the opportunity to get their vehicle insured for as little as $100/mo*. All you have to do is ask the right questions, and you can find a great insurance company willing to offer you a low rate.
Nationwide, Liberty Mutual, and Allied have some of the most affordable rates for Warren drivers currently. However, there’s more to good automotive insurance coverage than a low monthly rate. Do they have friendly customer service? Will they pay out on claims as outlined in your agreement? Make sure you get good background information on all your prospective insurance companies before you make a final decision.
Auto insurance companies consider many variables when calculating insurance rates, among them gender, accident claims, occupation, education, and multiple cars and drivers. Additionally, premiums vary from one company to another. To find out whether you are still getting the lowest-cost premium, do a comparison of cheap Warren auto insurance estimates via the internet.
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Major Car Insurance Factors in Warren
There is a range of various things which could factor into the rate quotes you obtain. Even though several of these elements aren’t really something you can do something about, a few of them are variables that you can change for the better. Here are a few elements that might affect your car insurance premium:
Your Zip Code
Your car insurance rates may vary based on the spot where you call home. In general, large cities have greater auto insurance rates as the additional amount of motorists on the streets boosts the probability of a collision! There are 134,873 people in Warren. Plus, the average household income is $41,953.
Another factor which may increase your automotive insurance rates has to do with the accident statistics in your area. Looking at the chart below, it appears as though Warren has a higher rate of accidents than similarly sized cities in other parts of the country. Unfortunately, this could bump up your total cost for insurance.
Auto Thefts in Warren
Vehicle theft is a serious problem, specifically in highly populated locations. If your locale and/or vehicle model put you at a higher risk for theft, you could have problems acquiring low-cost car insurance. The full number of stolen automobiles in Warren was 584 during 2013. The best way to protect yourself from theft is to consider adding Comprehensive coverage to your policy.
Your Credit Score
You may not think about your credit score that often, but your auto insurance company sure does. By examining the chart below, you can see what a significant difference your credit score can make. For some companies, your monthly premium could skyrocket by 75% or more if you are currently suffering from a poor credit score.
Statistically speaking, young and inexperienced drivers are the most likely to get into an accident. That’s why older drivers get charged lower monthly rates – because the insurance company is not taking on a huge financial risk by insuring them. If you are a young teenage driver, try looking into good student discounts, as well as Drivers Ed and defensive driving courses.
Your Driving Record
A few minor driving blemishes on your record, even something as minor as a speeding ticket or a fender-bender, will raise your monthly premiums. But that doesn’t necessarily make you a risky driver, and insurance companies are starting to realize this. That’s why more providers are offering “Accident Forgiveness” discounts to drivers with relatively clean records.
Confused about which vehicles are cheaper to insure than others? Well, so are most insurance companies. But one thing they are very clear on, however, is that more expensive vehicles (such as luxury cars) should be charged a higher premium than your typical, compact sedan. This sentiment is reflected in the chart below, where you can see that carrying auto insurance on a luxury vehicle is significantly more expensive than with your typical sedan.
Minor Car Insurance Factors in Warren
These factors, in addition to the factors above that are very significant, can all contribute to your final monthly insurance premium:
Your Marital Status
Are you married? Then talk to your spouse about bundling your policies together. The more bundling you can do, the more discounts you can get – and the more money you can save. If your insurer sells more than just car insurance, you can bundle additional policies to the same account.
No matter what people say, the data is clear: there is no significant difference between male and female drivers. Most insurance companies are recognizing this, and have stopped charging radically different premiums between males and females.
Your Driving Distance to Work
Average commute times vary for Warren residents. They can last anywhere from 19-26 minutes. Also, Warren is definitely a car-friendly city; nearly 85% of motorists will drive their own vehicle alone in order to get to work. Anywhere between 4-22% typically carpool.
Some companies pay lip service to your purpose for driving, as well as the miles you drive each year. However, when you analyze the data, most of these factors barely make a dent in your monthly premium – for example, there may be no more than a 4% difference between driving fewer miles for work and tens of thousands of miles for pleasure each year. However, business vehicles tend to have about 10-15% higher premiums than regular vehicles.
Your Coverage and Deductibles
Did you know that you can lower your monthly rates (or get more coverage for the same price you’re paying now) by raising your deductible? If you are confident that you won’t be filing claims any time soon, you can get a better value this way. But make sure you have enough saved up for if the worst happens.
Education in Warren, MI
There has been a recent trend developing with auto insurance providers when it comes to their customer’s education. Lately, companies have begun offering discounts to those drivers who have advanced degrees – it’s an even more powerful metric than your career, or your salary. In Warren, more than a third of residents already have a high school diploma, while over 20% have yet to complete all four years of high school.
If you don’t want to commute to a larger city for school, you have a few local options in Warren. Davenport University is a private collection of several campuses, one of which is conveniently located in Warren. They offer bachelor’s degrees, master’s programs, and online courses as well. Additionally, Central Michigan University has a center located in Warren. And if you are a working adult, you might be interested in the Macomb Community College (South Campus).
Unfortunately for the majority of insurance agencies, a straightforward internet search could uncover several of their business strategies. But even utilizing the best information, it could still be challenging for you as an individual to determine your risk profile and find cheaper insurance. Be sure to perform your own due diligence prior to committing to your next car insurance policy. Learn more about Warren, 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.
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