And though some teens are very safe drivers, those who are careful behind the wheel suffer higher rates along with the daring. This can cause a disadvantage during this critical part of approaching adulthood.
Fortunately, there are ways to reduce auto insurance rates for young drivers. Detroit has a population of about 921,000. These numbers scream for competition among providers. Stiff competition means you can get lower rates. Detroit is served by numerous top companies, but there are smaller companies to consider as well.
You can start by using an online comparison website to compare rates among the providers in the Detroit area. Here’s how it works. You’ll enter your vehicle information, age, how many drivers (primary and secondary), how many miles you commute to work each day and basic information such as name, address, etc. Most auto insurance quote sites will ask if you or other drivers have completed a driver safety course and if you have a good or poor driving history. By asking these questions, the providers can give you a fairly accurate quote. Be aware, however, that the rates may vary according to other factors.
Once you submit your information, you’ll receive quotes immediately online or later on by email from multiple companies in the Detroit area. You can compare up to 50 insurance carriers at a time, and then narrow your choices once you receive the initial quotes.
Discounts for Teen Drivers
If your teen recently started driving, there are four basic ways to keep the car insurance as low as possible. One, encourage good grades in school. Insurers will consider how responsible a young person is with school work. Second, driver safety training should be considered as this is a big plus in the eyes of insurance providers. Most schools in Detroit, Michigan offer driving courses (Driver’s Education) as an elective. Third, consider adding your teen to your car insurance as an additional driver instead of getting him a car of his own. This keeps your premium lower based on your own discounts, age and credibility. Fourth, avoid buying your teen a sports car. These are considered to be high risk cars for anyone, but especially teens. Car insurance rates will increase substantially with sports cars.
Young Adult Drivers
If you’re a young adult and paying your own way when it comes to your car insurance, there are steps you can take to decrease your rates over time. Pay your bills on time. A good credit rating can lower your car insurance, and put you in good standing with your provider. Keep a clean driving record. Avoid speeding tickets or other traffic violations that can blemish your record. Keeping a good driving record will drastically improve your rates within just a few years. And finally, consider the type of vehicle you purchase. Look for safety features and a low theft probability. Statistics show that Detroit experienced 19,617 auto thefts in 2007! You can easily research online to find out which vehicles are more likely to be the target of theft.
Your daily commute to work makes a difference in your insurance rates. The average commute time for Detroit residents is 28.4 minutes. If your commute is lower than this, your rates may be lower as well.
Consider obtaining rates through an online comparison and then find out from several providers what discounts are available. Whether you need Michigan’s minimum liability coverage only or other types of coverage such as collision or comprehensive, an online car insurance rate comparison among Detroit companies can help you find a price you can afford!