Motor City Safety: Detroit Insurance

Every time you hear the sweet soul and tight rhythms of Motown, you know your hometown gave birth something special. Berry Gordy, Jr. created a legacy the entire city can be proud of. Now, imagine that the music and memories were destroyed by an accident. No classics from The Supremes, The Four Tops, Smokey Robinson and others. The quiet that remains is the emptiness Hockeytown residents feel when an unexpected disaster strikes at home or on the road, and they haven't purchased adequate protection against their losses. Detroit insurance is a winning franchise like the Red Wings. And when you compare Detroit insurance quotes, it's also affordable.

Safe at Home

Detroit sports fans know how important home-field (and home-ice, home-court) advantage has been for their championship franchises (except maybe the Lions). And it might seem like those standards translate to Detroit home insurance quotes. For example, the most commonly purchased policy in the state, the HO-3, costs nearly twice as much in Detroit for the same house in Cheybogan. Let's say you want $100,000 of dwelling coverage for your single-family home, and you're dismayed to find that your premium is about $2,500. Anti-crime measures are a great way to save money-particularly in a city with such a high crime rate. By adding deadbolt locks, window locks, and a burglar alarm, you might reduce the Michigan home insurance premium by $250. If you also take steps to bolster your home's fire defenses-smoke alarms, fire extinguishers-you can knock another 15% from the annual cost. Also, compare rates after you change your deductible. If you're willing to pay a $1,000 deductible instead of $500, you might find Detroit insurance quotes as much as 25% lower.

Motor City Laws

Even if you drive a car manufactured right in town, Michigan law requires every driver in the Motor City to purchase a liability policy, known as "Michigan No Fault insurance." The Minimum policy is a 20/40/10: $20,000 bodily injury liability for one person, $40,000 bodily injury liability for all injuries in one accident, and $10,000 property damage liability. If you can't show proof of these minimums, you'll probably have to pay at least a $50 fine and may have your driver's license suspended and plates cancelled. Unlike many states, you're not required to purchase uninsured/underinsured motorist coverage in the Great Lakes State, though you may want to see how much cost this additional coverage adds to your Detroit insurance quotes.

Understanding Your Car Insurance

Many background factors will affect your Detroit insurance quotes. These include age, profession, and education level. For example, consider a 2005 Ford Focus driven in Detroit that is covered for the state minimum. If they drive the car for the same weekly mileage, a 20-year-old college student will pay over $1,000 per year more than 40-year-old woman with a Bachelor's degree and job as a sales rep. So, when the younger woman graduates and gets a job, she should shop around for better Detroit insurance quotes. Enhancing your safety level also lower premiums. When you compare quotes, weigh the effects of a defensive driving class, new anti-lock brakes, and a car alarm on your Michigan auto insurance quotes-especially since recent figures have shown nearly 20,000 car thefts a year in the metro Detroit area.

Free Agency

Think of your Detroit insurance quotes as a prized free agent pursued by the Pistons or Wings. You want the best, but also for the right price. That's why it makes sense to compare Michigan insurance rates, whether you do it yourself or turn to a free service like By shopping around, you can see the value of placing multiple drivers on a single auto policy, or combining your car and home insurance policies. When the lower offers turn up, you'll know "how sweet it is" to have great coverage.