Who Has the Cheapest Car Insurance for Good Drivers in Michigan?

The vehicle on the policy is one of the largest factors that determines the availablility of the cheapest car insurance for good drivers in Michigan. Vehicles with lots of speed or power, poor crash test ratings, or an increased likelihood of liability claims will cost more to insure than safer models.

The next lists estimates car insurance prices for a selection of the most economical vehicles to insure in Michigan.

Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rates do not factor in specific garaging location which can change premiums substantially.

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price estimates do not factor in specific location information which can decrease or increase premium rates considerably.

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price information does not factor in garaging location in Michigan which can modify premiums substantially.

Establishing which insurers offer the cheapest car insurance rates for good drivers takes a little more effort in order to find coverage that fits your buget. Each auto insurer has a different formula to set their prices, so we’ll go over the overall cheapest car insurance companies in Michigan.

It’s important to know that Michigan car insurance rates are based on many factors that can increase the policy premium. Improving your credit score, buying a different vehicle, or getting a driving violation may cause policy rate changes resulting in some companies being more affordable than the competition.

Best Car Insurance Prices for Good Drivers

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USAA offers some of the lowest car insurance rates in Michigan at around $958 a year. GEICO, Safeco, MetLife, and Chubb also qualify as some of the best Michigan auto insurance companies.

As the rates illustrate above, if you currently have coverage with Safeco and switched to USAA, you might achieve yearly savings of approxmiately $121. Insureds with MetLife could save as much as $352 a year, and Chubb insureds might reduce prices by as much as $428 a year.

If you would like to find the cheapest car insurance for good drivers in Michigan, click here to begin a quote or feel free to get quotes from the companies below.

Remember that these estimates are averages across all insureds and vehicles and are not factoring in a rate discount for good drivers. So the insurer that is best suited for you may not even be included in the list of companies shown earlier. That is why you need to quote rates from many companies using your own individual information.

For safe drivers, one of the more important factors that helps auto insurance companies calculate car insurance rates is where you live in Michigan. Areas with high crime rates or more dense population like Detroit, Southfield, and Flint tend to have more expensive auto insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower rates.

The table below illustrates the most expensive areas in Michigan for good drivers to purchase a policy in.

Information shown are estimated as specific Michigan zip code can lower or raise coverage prices noticeably.

Discounts on the cheapest car insurance for good drivers in Michigan

Insurance companies that sell policies for good drivers may provide premium discounts that could reduce prices by 25% or more if you are eligible. A few of the larger companies and their possible discounts are included below.

The illustration below shows the difference between insurance premiums with and without discounts applied to the policy premium. The data assumes a female driver, no violations or accidents, Michigan state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with homeowner, defensive driving course, anti-theft, multiple vehicle, accident-free, and vehicle safety discounts applied. When drivers qualify for the discounts, the the amount saved on car insurance for good drivers is % or $.

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Geico, State Farm, Progressive, or Allstate: Which is best?

When comparing car insurance for safe drivers, four of the best places to start are Geico, State Farm, Progressive, and Allstate. If you combine them together, they insure 48.5% of the car insurance market in the United States. All four offer physical damage and liability coverage, but each has a slightly different mix of options and features that shoppers can choose from. The data below rates some of the different options and features that may be available in your state.

Who has the cheapest insurance quotes for safe drivers?

Thanks to technology, drivers have a lot of ways to quote car insurance rates in Michigan, but the most common methods are from an exclusive insurance agency such as Liberty Mutual or Allstate, an independent agent, or from a direct company like Progressive or Geico.

Each way has the same basic process, but car insurance buyers need to understand the differences in how they function.

Independent insurance agents write business for many companies and can quote your policy with every one. These agents do not work for one specific company and can provide you with more rate quotes, which can help you get more bang for your buck. If they find a lower price, you can get a different policy and you do not have to find a new agent.

Exclusive agents are only able to write business for a single insurance company like an Allstate or Liberty Mutual agent. These guys and gals cannot provide a range of price quotes, so smart shoppers will want to get additional comparison quotes.

If you buy direct, you forego a local insurance agent and buy buying direct from a company like Progressive or Esurance. Buying car insurance direct may be good for drivers who do not have a need for a risk management assessment and have an above average understanding of what car insurance covers and what it doesn’t.

Which method works best to buy the cheapest car insurance for good drivers in Michigan? The majority of car insurance shoppers assume that buying direct saves the most money since that eliminates agent commissions, but that turns out to not be true. And we’d like to say buying car insurance from an independent agent guarantees the lowest rates due to more options, but again, that’s not a true statement. For some people, exclusive agents have price quotes that cannot be met by either independent or direct companies.

Because it’s impossible to say who has the best car insurance rates, really the best method to buy the cheapest coverage is to compare lots of quotes. It takes a little work, but we recommend you get rate quotes from independent agents, exclusive agents, and direct companies to have the best rate selection. For a list of companies with cheap rates in Michigan, click here to view.

How to find budget-friendly car insurance for good drivers

Lowering your rates is not difficult, and here are some of the recommended thrifty solutions that can help you buy cheap coverage.

• Good credit can mean cheaper rates
• Remove physical damage coverage on older vehicles
• Higher deductibles mean lower rates
• Accidents can significantly increase rates
• Drive vehicles with five-star safety ratings
• Avoid speeding and other traffic citations and pay less
• Compare rate quotes frequently

That last piece of advice is extraordinarily crucial, as was pointed out in this piece. Car insurance prices change frequently, so don’t be unwilling to buy from a different company if a lower price can be found. Many drivers have brand loyalty and that’s fine, but it’s not a good idea if it’s costing you lots of hard earned cash every month. Take a couple minutes and compare rates and find cheaper auto insurance for good drivers.