Cheap Car Insurance Quotes for Single Moms in Michigan

Determining which insurers offer the lowest-priced auto insurance rates for single moms will require a bit more effort in order to find a policy that fits your budget.

Every insurance company uses different criteria for establishing rates, so we need to take a look at the most competitive auto insurance companies in Michigan. It’s a good idea to know that Michigan auto insurance rates are influenced by many factors that may substantially change the policy premium. Simply having a birthday, becoming a homeowner, or getting caught speeding may prompt premium changes that may make certain companies more affordable than others.

Best Cheap Insurance Rates for Single Moms

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USAA quotes some of the best car insurance rates in Michigan at around $958 per year. GEICO, Safeco, MetLife, and Chubb also make the cut as some of the lowest-priced Michigan car insurance companies.

As shown in the rates above, if you currently have coverage with MetLife and switched to GEICO, you might achieve an annual savings of roughly $361. Customers with Chubb could save as much as $369 a year, and MEEMIC customers might see rate reductions of $391 a year.

Bear in mind that those policy prices are averages for all drivers and vehicles and do not take into consideration a rate decrease for single moms. So the company that has the cheapest rates for you may not even be included in the list of companies shown earlier. That emphasizes why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.

One of the many considerations that establish insurance cost is where you choose to live. Larger areas like Detroit, Southfield, and Warren tend to pay more, whereas areas with less people or fewer weather incidents have the benefit of cheap auto insurance for single moms in Michigan.

The illustration below sorts the most expensive areas in Michigan for single moms to purchase car insurance in.

Premium amounts are approximated as the specific geographic location can influence auto insurance rates significantly.

The type of vehicle you are trying to insure is one of the largest considerations when shopping for cheap auto insurance for single moms in Michigan. Vehicles with average performance, an excellent safety record, or a low likelihood of liability claims will cost less to insure than adrenaline junky models.

The information below estimates insurance prices for a number of the cheaper vehicles to insure.

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Estimates do not factor in the specific area where the vehicle is garaged which can change prices noticeably.

Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Prices do not factor in vehicle garaging location which can raise or lower rates considerably.

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Information does not factor in the specific area where the vehicle is garaged which can change price quotes significantly.

Rate comparison of full coverage and liability-only

Finding cheap auto insurance for single moms in Michigan is the goal of most people, and one of the quickest ways to buy cheaper insurance is to buy liability only. The illustration below shows the difference between insurance premiums when comparing full coverage to liability only. The information is based on no violations or accidents, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

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If the expense is averaged for all age categories, physical damage insurance costs $4,905 per year more than insuring for liability only. That is a large expense which might make you wonder if you should buy full coverage. There is no set guideline for phasing out full coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

Ending up with a high-quality car insurance provider is hard considering how many companies there are in Michigan. The company rank data displayed below could help you choose which car insurance companies you want to consider when shopping insurance around for single moms.

The rankings below include companies who write in the majority of U.S. states, so smaller companies will not be included in the list. If you would like to check rates from these companies and more, click here.

Top 10 Large Car Insurance Companies in Michigan Ranked by Customer Satisfaction

1. The Hartford – 93%
2. Progressive – 90%
3. 21st Century – 89%
4. USAA – 87%
5. State Farm – 87%
6. Safeco Insurance – 86%
7. AAA Insurance – 86%
8. Farmers Insurance – 85%
9. GEICO – 85%
10. American Family – 85%

Top 10 Large Car Insurance Companies Overall in Michigan

1. The Hartford
2. Progressive
3. State Farm
4. Farmers Insurance
5. Safeco Insurance
6. USAA
7. GEICO
8. 21st Century
9. Liberty Mutual
10. AAA Insurance

How to find the cheapest insurance for single moms

Here are some of the better money-saving ideas that can help Michigan drivers find lower-cost car insurance.

• Buy a safer vehicle
• Increase physical damage deductibles
• Better credit scores save money
• Do not get traffic violations
• Do not get into accidents that are your fault
• Compare rate quotes often

The final tip is very significant, as we stressed in this write-up. Insurance rates in Michigan adjust often, so don’t hesitate to buy a different policy if a lower price can be found. Staying with the same company for years is fine, but it’s not a great idea if that dedication is costing big bucks every year. Spend a few minutes and shop around and find cheaper insurance for single moms.

Who has the cheapest insurance quotes for single parents?

Drivers have a lot of different ways to purchase auto insurance in Michigan, but the most frequently used methods are from a non-exclusive or independent agent, an exclusive insurance agency such as Allstate or State Farm, or direct either online or via phone. Each way is similar, but it’s good to know the differences in how they give price quotes.

Independent agents work for many companies and can get rate quotes from every one. Independent agents are not required to write business for one company and can give you a larger rate selection, which can help you get better odds of saving money. If you want to switch companies, it’s simple to move the policy which makes it simple for you.

An exclusive agent is able to quote prices with one insurance company, a couple examples are Allstate and Liberty Mutual agents. They are unable to give you multiple price quotes, so always compare other rates.

Choosing to buy auto insurance direct means you do not use the middleman (the agent) and instead shop direct online or over the phone from a company like Esurance or Progressive. This option may be a decent choice families who have limited assets and have some degree of understanding of the limitations of auto insurance.

So comparing independent agents, exclusive agents, and direct, which one works best to buy cheap auto insurance for single moms in Michigan? The majority of auto insurance shoppers assume that buying from a direct car insurance company results in the cheapest price since no commissions are paid to an agent, but unfortunately, it’s not that simple. A good argument could also be made that an independent agent is the best way to go due to having more companies to select from, but that is not necessarily true either. In many circumstances, the exclusive agents have price quotes that are impossible to beat.

Due to the large number of rating factors, really the only way to get the cheapest rates is to do a thorough rate comparison. Money-saving experts recommend you get prices from all three types to have the best rate selection. For a list of companies offering online discounts, click here to view.