Cheapest Auto Insurance for Teenage Males in Michigan

Performance level and cost of the vehicle you are buying coverage for is a large consideration when shopping around for the most economical insurance for teenage males. Vehicles with high performance engines, poor safety features, or a high likelihood of having liability claims will cost significantly more to insure than safer models. The tables below estimates coverage costs for a selection of the more afforable vehicles to buy coverage for.

Above prices assume single male driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in specific garaging location which can lower or raise premium rates significantly.

Premium data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in garaging location in Michigan which can impact premium rates noticeably.

Data rating is based on single male driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in specific garaging location which can raise or lower prices noticeably.

When shopping for cheaper auto insurance for teen boys, one of the many things that auto insurance companies use to calculate auto insurance rates is your address. Areas with high crime rates or more dense population like Detroit, Southfield, and Flint tend to pay slightly more, whereas areas that are not as densely populated have the luxury of the cheapest car insurance for teenage males in Michigan.

The information below sorts the higher priced cities in Michigan for teenage males to purchase car insurance in.

Rates are approximated as the specific Michigan residence address can change price quotes considerably.

Choosing the best car insurance provider can be a challenge considering how many different insurance companies sell coverage in Michigan. The company information shown below can help you select which auto insurance companies to look at when shopping your coverage around. These ratings are only made up of the largest companies in America, so companies that have a smaller presence will not be included in this list.

Discount Michigan auto insurance rates

Insurance providers that offer the cheapest car insurance for teenage males in Michigan may also give you rate discounts that can lower rates by as much as 40% or more if you can meet the requirements. Larger auto insurance companies and a partial list of their discounts are detailed below.

The example below illustrates the comparison of car insurance rates with and without discounts applied. The data assumes a male driver, a clean driving record, no claims, Michigan state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with good student, vehicle safety, continuous coverage, paperless filing, passive restraint, and paid-in-full discounts applied. When discounts are applied, the average savings per year on auto insurance for teenage males is 38% or $605.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 17’, 9279,6643],[‘Age 30’, 3223,2337],[‘Age 40’, 3169,2295],[‘Age 50’, 2883,2089],[‘Age 60’, 2787,2017]]);var options = {title: ‘Effect of Discounts on Insurance Price for Teenage Males’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Cheap insurance quotes for teen boys

You have many ways to quote and buy auto insurance in Michigan, but the most frequently used are from an independent or non-exclusive agent, a captive (or exclusive) agency such as State Farm or Liberty Mutual, or from a direct company like Progressive.

Each way has the same basic process, but each is slightly different in how they function.

Independent agencies have contracts with multiple insurance companies and can compare rates with each one. These agents do not sell for just one brand and can get prices from more than one company, which may give you the best chance of saving money. If a cheaper rate is found, your policy can be easily switched to a different company and you stay with the same agent.

Exclusive agents are restricted to a single company, two examples being a Liberty Mutual or State Farm agent. Exclusive agencies are unable to place coverage with different providers, so if finding the cheapest coverage is your goal, you will need to shop around.

The third way to buy auto insurance is direct which means you skip an agent and buy direct online or over the phone from a company like Progressive or Esurance. Shopping for auto insurance direct can be a good choice for consumers who do not have complex finances and have some degree of understanding of what auto insurance covers.

So which one of the three ways works best to buy the cheapest car insurance for teenage males in Michigan? The majority of auto insurance shoppers assume that shopping direct saves the most money since it doesn’t require paying agent commissions, but that generally is not the case. A valid argument could also be made that buying from an independent agent results in the best rates since they can provide multiple quotes, but that assumption is also not necessarily accurate. In some circumstances, exclusive agents have really good rates well below independent agents AND direct companies.

Due to the fact that auto insurance rates vary so much, the one way to buy the cheapest coverage is to get rate quotes and compare. If time allows, get rate quotes from all three in order to find the best price. For a list of companies with online discounts, click here to view.

How to find low-cost car insurance for teenage males

The list below summarizes many money-saving ideas that can help you find the cheapest coverage.

• Save money by only buying liability coverage for older vehicles
• Higher credit scores may earn you cheaper rates
• Increase physical damage deductibles
• Buying your home and auto policies from the same company can earn a discount
• If possible, pay for small claims out-of-pocket
• Choose a safer vehicle and pay lower rates
• Comparison shop at least once a year

The last tip in the list is extremely vital, as we pointed out in the article above. Car insurance prices fluctuate constantly, so drivers shouldn’t be reluctant to change insurance companies if a lower price can be found. Many drivers prefer to stick with one company, but it’s not a good idea if your bullheadedness ends up costing you thousands of dollars over the life of your policy. Now is a great time to compare prices and find cheaper insurance for teenage males.