In the state of Michigan there are two different types of car insurance policies, group and individual. Group insurance typically applies to an organization or an employer who works with an insurance company to secure low rates for drivers. Most drivers in Detroit, Michigan fall into the individual insurance arena. For them they are always on the hunt for cheap car insurance.
The best approach to finding cheap car insurance in Detroit, Michigan is to take advantage of the discounts that are available to drivers in the state. Although you may only qualify for one or two of the discounts, each offers a lower premium on your auto insurance policy. Unfortunately many vehicle owners are unaware of any of the discounts and consequently they end up having to pay much higher fees than they might otherwise.
Some of the little known discounts in the Detroit, Michigan area are:
o Non-drinking discount. If a driver doesn’t drink alcohol they may actually qualify for cheaper car insurance. Not all companies offer this, but if you don’t partake of spirits, it’s well worth asking about.
o A good credit history. Car insurance companies look favorably on individuals who have a solid credit history. Not only will this help to lower car insurance premium rates but having a good credit history makes buying a car that much easier too.
o Good student discount. Many young drivers face very high car insurance rates. Some companies in Detroit, Michigan offer a discount for those drivers who have proof of good grades. This is very helpful for a college student who is already burdened with student loans.
Taking advantage of any and all available discounts is the most efficient way to find cheap car insurance. When a driver goes into the insurance negotiation process informed, they are already well on their way to securing a great rate.