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

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.

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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 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 Farm
I 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 Insurance
My annual premium fee is $1200 with $20000 deductible. It might not be the best offer but overall I am satisfied with Farmers.
Allstate
The 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.
Progressive
No different then my previous company. I only switched because the premium was a bit cheaper
Auto Owners Insurance
While 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 Insurance
Safeco competes with the best. But all in all, every company has perks here and there. Its about what fits you.
Travelers
It 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.
Geico
I 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.