Hillsdale Auto Insurance Rates, Quotes, Agents & Reviews in MI

Hillsdale, MI Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Hillsdale, MI, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors Impacting Car Insurance in Hillsdale, MI

Car insurance is an essential part of owning a car. It protects you financially in the event of an accident or other incident that damages your car. It is required by law in most states, and it is a good idea even if it is not required. There are many car insurance types, and choosing the right one can be confusing. The most important thing is to make sure you are adequately covered. This means considering the value of your car, the likelihood of you getting into an accident, and your financial situation. The average cost of car insurance in Hillsdale, MI, is $2,644. Once you decide how much coverage you need, you can start shopping for the best deal. It is important to compare rates from different companies, as they can vary significantly. You should also look at the company's reputation, financial stability, and customer service record. Here are a few things to remember when shopping for car insurance in Hillsdale, MI. 

Car Insurance Rates Based on the Driver's Age in Hillsdale, MI

Younger drivers tend to pay more for car insurance than older drivers. This is because younger drivers are more likely to be involved in accidents than older drivers. In addition, younger drivers are also more likely to speed and other risky driving behaviours. For instance, a teenage driver in Hillsdale, Michigan, spends $8,579 on car insurance. Drivers over 40 in Hillsdale, Michigan, pay $2,518 for auto insurance. If you are a younger driver in Hillsdale, MI, there are a few things that you can do to save on your car insurance rates. You can save money on your car insurance by taking a defensive driving course and buying a less expensive car.

Car Insurance Rates Post-DUI in Hillsdale, MI

Car insurance rates in Hillsdale, Michigan, are significantly higher for drivers with a DUI on their record. In fact, drivers with a DUI on their record can expect to pay nearly double the amount for car insurance than drivers with a clean record. This is because insurance companies view DUI offenders as high-risk drivers. And in Michigan, insurance companies are allowed to use a driver’s DUI conviction as a factor in setting rates. Currently, Hillsdale vehicle insurance costs $2,644 on average; following a DUI, these expenses increase by $3943, and they pay $6,587.

Car Insurance Rates Based on Credit History in Hillsdale, MI

It's no secret that your credit score can affect your car insurance rates. It's one of the most critical factors insurers use to determine your premium. If you have a poor credit score, you can expect to pay significantly higher rates than someone with a good or excellent credit score. You may even be denied coverage altogether. This is because insurers view people with poor credit as higher-risk customers. You'll likely qualify for the best rates available if you have a good credit score. Insurers view customers with good credit as low-risk, which means they're more likely to get their money back in the form of claims payouts. For instance, in Hillsdale, Michigan, auto insurance costs $2,269 for drivers with exceptional credit scores, while the same coverage costs $4,313 for those with poor credit. So, if you're looking for cheap car insurance in Hillsdale, MI, you'll need to make sure your credit is in good shape.

Factors that can influence the cost of car insurance in Hillsdale, MI are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Hillsdale, MI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Hillsdale, MI with that of other cities in and around Hillsdale.

Hillsdale North Adams Jonesville Cambria Fayette Hillsdale County
Average Insurance Rates $2,644 $2,616 $2,639 $2,697 $2,776 $2,685

Hillsdale, MI Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Hillsdale, MI based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Hillsdale $1,296 $1,094
Fayette $1,234 $1,042
Jonesville $1,255 $1,060
Hillsdale County $1,641 $1,386
Cambria $1,588 $1,342
Allen $1,420 $1,200
North Adams $1,397 $1,180
Jefferson $1,170 $988

Hillsdale, MI Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Hillsdale, MI usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $8,579
20 Years $3,397
30 Years $2,617
40 Years $2,518
50 Years $2,331
60 Years $2,364
70 Years $2,752

Hillsdale, MI Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Hillsdale, MI can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $4,495 $793
3 Vehicles $6,742 $1,190
4 Vehicles $8,990 $1,586

Savings on 2 Vehicles bundle:$793

Savings on 3 Vehicles bundle:$1,190

Savings on 4 Vehicles bundle:$1,586

Hillsdale, MI Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Hillsdale, MI.

Location Average Insurance Cost Post DUI Insurance Rate
Hillsdale $2,644 $6,587
Fayette $2,776 $6,916
Jonesville $2,639 $6,574
Hillsdale County $2,685 $6,689
Cambria $2,697 $6,719
Allen $2,669 $6,649
North Adams $2,616 $6,517
Jefferson $2,682 $6,681

Hillsdale, MI Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $2,269
Excellent (740-799) $2,589
Good (670-739) $2,755
Average (580-669) $3,594
Poor (300-579) $4,313

Hillsdale, MI Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Lynch Brothers Insurance Agency, Inc None 108 West Main Street , North Adams, 49262 (517) 345-7379
Rick Starkey State Farm 180 Little Lake Dr Ste 5, Ann Arbor, 48103-6219 734-369-8225
Cindy Strang State Farm 7955 Ann Arbor St, Dexter, 48130-1337 734-426-2344
Anne Brigham State Farm 111 W Chicago St Ste 1, Jonesville, 49250-1081 517-849-9876
Armstrong/Robitaille/Riegle None 4844 Jackson Rd 4844 Jackson Rd , Ann Arbor, 48103 None
Bill Roach State Farm 206 E Michigan Ave, Saline, 48176-1555 734-429-5471
Thayer-Innes Insurance Agency Inc None 3380 Travis Pointe Rd , Ann Arbor, 48108 (734) 662-4567
Barb Young State Farm 2411 Oak Valley Dr Ste 200, Ann Arbor, 48103-7600 734-662-0880

Hillsdale, MI Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$116 $2,760
Driver's Failure In Showing Documents +$256 $2,900
Driving With An Expired Registration +$272 $2,916
Driving At A Considerably Slow Pace +$574 $3,218
Using A Cellphone While Driving +$605 $3,249
Running A Red Light +$616 $3,260
Speeding +$648 $3,292
Driving A Vehicle Without The Required Permission +$822 $3,466
Driving With An Expired/Suspended License +$1,782 $4,426

Hillsdale, MI Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $2,538
Active Disabling Device $2,538
Tracking Device $2,485
Passive Disabling Device $2,459