How Much Does Car Insurance Cost for Felons in Michigan?

Determining which companies quote the best car insurance rates for felons calls for more time than just comparing a company or two. Every insurance company has a different formula for setting rates, so let’s take a look at the lowest cost car insurance companies in Michigan.

It’s a good idea to be aware that Michigan car insurance rates are based on many factors that may substantially change the price you pay for coverage. Simply turning a year older, buying a different home, or getting a ticket for running a stop sign may cause policy rate changes that can cause some rates to be affordable when they were higher priced.

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USAA may have some of the cheapest car insurance rates in Michigan at around $949 each year. GEICO, Safeco, MetLife, and MEEMIC also make the cut as some of the cheaper Michigan car insurance companies.

As the example above demonstrates, if you currently buy coverage from Safeco and switched to USAA, you may realize a yearly price reduction of in the vicinity of $98. Insureds with MetLife could save as much as $375 a year, and MEEMIC insureds might see rate reductions of $445 a year.

Remember that these rates are averages for all types of drivers and the different vehicles they drive and do not factor in a rate discount for felons. So the auto insurance company that has the lowest price for you may not even be shown in the rate chart shown above. That is why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

When shopping for cheaper auto insurance for felons, one of the many considerations that auto insurance companies take into consideration when calculating the policy price is your address in Michigan. Areas with more people or more claims like Detroit, Southfield, and Flint tend to pay slightly more, whereas less populated areas benefit from lower coverage costs.

The table below sorts the most expensive cities in Michigan for felons in which to purchase auto insurance.

Rate information is estimated as the specific zip code location can influence coverage prices considerably.

The vehicle you are trying to insure is one of the primary factors that determines if you can find cheaper car insurance for felons. Vehicles with limited speed and performance, good crash test ratings, or low incidents of liability claims will cost quite a bit less to insure than fast, unsafe models.

The lists below estimates coverage costs for a number of the most economical automobiles to buy insurance for.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium amounts do not factor in specific Michigan garaging location which can lower or raise prices considerably.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage prices substantially.

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Table data does not factor in specific location information which can lower or raise coverage rates substantially.

Buying coverage from a good quality insurance company can be difficult considering how many different insurance companies sell coverage in Michigan. The company information displayed below may help you decide which car insurance companies you want to consider when shopping insurance around for felons. The rankings below include large, nationwide insurance companies, so companies that may only write in Michigan are not taken into consideration for the list.

Top 10 Large Auto Insurance Providers 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 get discounts on Michigan auto insurance

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/best-car-insurance-felons-mi.jpg" alt="Cheaper Michigan car insurance for felons” />Insurance companies that offer cheap insurance for felons in Michigan may also give you price discounts that can lower rates by 35% or more if you are eligible to receive them. A list of companies and a selection of discounts are detailed below.

• Progressive offers discounts for online quote discount, homeowner, multi-vehicle, online signing, continuous coverage, good student, and multi-policy.
• MetLife may have discounts that include multi-policy, accident-free, good student, good driver, defensive driver, and claim-free.
• Mercury Insurance includes discounts for good student, location of vehicle, type of vehicle, annual mileage, multi-car, ease of repair, and professional/association.
• Nationwide offers discounts including family plan, good student, easy pay, accident-free, multi-policy, and defensive driving.
• GEICO discounts include multi-vehicle, driver training, emergency military deployment, anti-lock brakes, military active duty, and good student.
• AAA may include discounts for anti-theft, education and occupation, good driver, AAA membership discount, good student, multi-car, and pay-in-full.

The diagram below shows the difference between yearly insurance costs with and without discounts applied to the policy rates. The rates are based on a male driver, no violations or claims, Michigan state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with claim-free, defensive driving course, marriage, passive restraint, accident-free, and safe-driver discounts applied. When these discounts are applied to the policy premium, the the average amount saved on car insurance for felons is 28% or $1,349.

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Cheapest insurance quotes for felons

There are many ways to compare car insurance quotes in Michigan, but the most frequently used methods are through an independent insurance agent, an exlusive agent such as Allstate or State Farm, or from a direct company like Geico or Progressive. Each way has the same basic steps, but buyers should know the differences in how they work.

Independent agents write for multiple companies and can provide price quotes from every one. They can sell policies from many different companies and can give you a larger rate selection, which can help you get the best shot at cutting your rates. If a cheaper rate is found, the business is moved internally and that require little work on your part.

An exclusive agent is only able to write with just one company, two of the more popular are Liberty Mutual and Allstate agents. They are unable to provide multiple price quotes, so if prices are high they cannot provide alternatives.

Opting to purchase car insurance direct means you do not use local insurance agents and instead shop from a direct company like Esurance. This car insurance option may be the best choice drivers who have an average risk profile and have knowledge of what specific coverages they need.

Which method works best to find cheap insurance for felons in Michigan? We’d like to say buying from a direct company results in the cheapest price since that prevents the need to pay agent commissions, but that does not always hold true. It would also be easy to say an independent agent guarantees the cheapest rates since they have access to many companies, but that idea is not necessarily true either. And often times, exclusive agents have really good rates that independents and direct companies can’t touch.

Since car insurance prices vary so much, really the only way to get the lowest rate is to get quotes and compare. Be sure to get rate quotes from independent agents, exclusive agents, and direct companies to have the best selection of rates to choose from. A great place to start is our list of online companies offering discounts: click here to view.

How to find economical car insurance for felons

It is possible to find better rates, and here are some money-saving solutions that can help Michigan drivers find more affordable coverage.

• Remain accident-free and save
• Do not file small claims
• Buy a car with high safety ratings
• Drop full coverage on older vehicles
• Be a safe driver
• Home or renters coverage can save on auto insurance
• Compare rate quotes frequently

That last tip is notably important, as we stressed in the prior article. Coverage prices in Michigan can change significantly in a year, so don’t be unwilling to switch to a new company if a more affordable price is available.

Brand loyalty is great, but it’s not recommended if your bullheadedness ends up costing you lots of hard earned cash every month. Take a couple minutes and compare rates and find cheaper auto insurance for felons.