Saginaw, MI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Saginaw, 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.
Factors that can influence the cost of car insurance in Saginaw, 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.
- Saginaw, MI Auto Insurance Rates
- Saginaw, MI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Saginaw, MI
- Multi Vehicle Insurance Savings in Saginaw, MI
- How Credit Score Affects Car Insurance Rates in Saginaw, MI
- How DUI Affects Auto Insurance Premiums in Saginaw, MI
- Top Auto Insurance Agents Near Saginaw, MI
- How Driving Violations Affect Auto Insurance Rates in Saginaw, MI
- Saginaw, MI Auto Insurance Discounts on Anti Theft Feature
- Saginaw, MI Auto Insurance Company Reviews
Saginaw, MI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Saginaw, MI with that of other cities in and around Saginaw.
| Saginaw | Buena Vista | Buena Vista charter | Spaulding | Carrollton | Zilwaukee | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,348 | $2,559 | $2,565 | $2,631 | $2,607 | $2,618 |
Saginaw, 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 Saginaw, 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) |
|---|---|---|
| Saginaw | $2,058 | $1,738 |
| Buena Vista | $1,263 | $1,067 |
| Carrollton | $1,560 | $1,318 |
| Saginaw charter | $1,497 | $1,264 |
| Zilwaukee | $1,922 | $1,623 |
| Bridgeport | $1,899 | $1,604 |
| Buena Vista charter | $1,313 | $1,109 |
| Spaulding | $1,404 | $1,186 |
Saginaw, MI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Saginaw, 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 | $7,619 |
| 20 Years | $3,017 |
| 30 Years | $2,324 |
| 40 Years | $2,236 |
| 50 Years | $2,070 |
| 60 Years | $2,099 |
| 70 Years | $2,444 |
Saginaw, MI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Saginaw, 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 | $4,086 | $610 |
| 3 Vehicles | $6,128 | $916 |
| 4 Vehicles | $8,171 | $1,221 |
Savings on 2 Vehicles bundle:$610
Savings on 3 Vehicles bundle:$916
Savings on 4 Vehicles bundle:$1,221
Saginaw, 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 Saginaw, MI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Saginaw | $2,348 | $5,849 |
| Buena Vista | $2,559 | $6,375 |
| Carrollton | $2,607 | $6,495 |
| Saginaw charter | $2,713 | $6,759 |
| Zilwaukee | $2,618 | $6,522 |
| Bridgeport | $2,619 | $6,524 |
| Buena Vista charter | $2,565 | $6,390 |
| Spaulding | $2,631 | $6,554 |
Saginaw, 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) | $2,015 |
| Excellent (740-799) | $2,300 |
| Good (670-739) | $2,447 |
| Average (580-669) | $3,192 |
| Poor (300-579) | $3,830 |
Saginaw, 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 |
|---|---|---|---|
| Michael Miner | State Farm | 1814 Tittabawassee Rd, Saginaw, 48604-9431 | 989-799-2200 |
| Debra Obrien | Allstate | 55 Harrow Ln Ste 3, Saginaw, 48638 | (989) 797-0225 |
| Stan Ring | State Farm | 113 E Grnd Blanc Rd Ste B, Grand Blanc, 48439-3319 | 810-694-5091 |
| Mark Carney | State Farm | 15100 N Holly Rd, Holly, 48442-1139 | 248-634-1277 |
| Randy Samson | State Farm | 185 W Vienna, Clio, 48420-1333 | 989-624-9655 |
| Peabody Insurance Agency Inc | Liberty Mutual Independent | 2065 N Alloy 2065 N Alloy, Fenton, 48430 | None |
| Keith Byard | State Farm | 947 Baldwin Rd, Lapeer, 48446-3007 | 810-664-8925 |
| Renn Insurance Agency Inc | None | 1839 S Road , Ortonville, 48462 | (248) 778-3001 |
| Kc Insurance Agency Services Llc | None | 10 E Genesee, Lapeer, 48446 | None |
Saginaw, 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 | +$103 | $2,451 |
| Driver's Failure In Showing Documents | +$228 | $2,576 |
| Driving With An Expired Registration | +$242 | $2,590 |
| Driving At A Considerably Slow Pace | +$510 | $2,858 |
| Using A Cellphone While Driving | +$538 | $2,886 |
| Running A Red Light | +$547 | $2,895 |
| Speeding | +$575 | $2,923 |
| Driving A Vehicle Without The Required Permission | +$730 | $3,078 |
| Driving With An Expired/Suspended License | +$1,583 | $3,931 |
Saginaw, 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 | $2,254 |
| Active Disabling Device | $2,254 |
| Tracking Device | $2,207 |
| Passive Disabling Device | $2,184 |
Latest Auto Insurance Reviews in Saginaw, MI | Back to Top
State FarmI would definitely recommend State Farm's insurance to anyone who might be interested. They are reliable and easy to use, and their prices are very reasonable.
Farmer's InsuranceMy annual premium fee is $1200 with $20000 deductible. It might not be the best offer but overall I am satisfied with Farmers.
AllstateThe company offers a good range of coverage and has a local office with a specific agent who I now know on a personal basis. The coverage is expensive but the people are very easy to work with and responsive.
ProgressiveNo different then my previous company. I only switched because the premium was a bit cheaper
Auto Owners InsuranceWhile I am not satisfied with the premium at this particular company it is still one of the cheapest that I have found. I did a of searching before purchasing insurance from this company and they had the lowest. They beat some companies by only ten to twenty dollars but they beat other companies by about one hundred dollars.
Safeco InsuranceSafeco competes with the best. But all in all, every company has perks here and there. Its about what fits you.
TravelersIt is pretty easy to get a hold of my insurance company. I have had to call them several times in one day before and it did not take long. Only one time did I have to wait and extended period of time to get in touch with someone.
GeicoI have had nothing but a great experience with customer service. The hold times are short and the staff is very friendly. I would recommend them to anyone.