Saline, MI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Saline, 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.
Find Affordable Car Insurance in Saline, MI with These Tips
Car insurance is a must-have for drivers in Saline, MI, as it protects against unexpected accidents and financial losses. However, finding affordable car insurance that meets your needs can be challenging. With so many insurance providers and coverage options available, it can be overwhelming to navigate the market and choose the right policy. The average cost of car insurance in Saline, MI, is $2936. This article aims to provide a comprehensive guide to finding affordable car insurance in Saline, MI. We'll explore the factors that affect car insurance rates, offer tips on how to lower your premiums, and provide insights into the top car insurance providers in Saline, MI.
Credit History
In Saline, MI, credit history can also impact auto insurance rates. Insurance providers may use credit scores to determine insurance premiums, as drivers with a poor credit history may be considered high-risk. A poor credit score may indicate to insurance providers that the driver is more likely to file a claim. As a result, drivers with a low credit score may face higher insurance premiums than those with a higher score. For example, in Saline, MI, having a poor credit score may increase auto insurance rates. Insurance providers often consider drivers with poor credit scores high-risk and are, therefore, likely to face higher insurance premiums than those with excellent credit. In Saline, MI, car owners with excellent credit may be required to pay an average premium of $2875, while those with poor credit may be required to pay an average premium of $4789 for the same coverage.
Age of the Driver
A driver's age in Saline, MI, can also impact auto insurance rates. Younger drivers, particularly those under 25, are considered high-risk by insurance providers, as they are more likely to be involved in accidents. As a result, younger drivers may face higher insurance premiums than older, more experienced drivers. Additionally, older drivers may also face higher insurance premiums, particularly those over 65, as they may be more prone to accidents due to physical limitations or declining cognitive abilities. For example, in Saline, MI, there is a significant difference in car insurance rates based on the driver's age. Teenagers in Saline, MI, typically pay higher insurance rates due to their lack of driving experience, with an average premium of $9527 for car insurance. In contrast, drivers who are 30 years or older in Saline, MI, typically pay lower insurance premiums, with an average of $2906 for the same coverage.
Driving History
Based on driving history, auto insurance rates can increase in Saline, MI. Insurance providers consider drivers with a history of traffic violations or accidents high-risk, as they are more likely to file claims. As a result, drivers with a poor driving record may face higher insurance premiums than those with a clean record. Additionally, insurance providers may consider the years a driver has been licensed and their driving experience when determining insurance rates. For example, in Saline, MI, the cost of vehicle insurance will increase by $1979 and $684, respectively, if a driver is caught driving with a suspended license or runs a red light.
Factors that can influence the cost of car insurance in Saline, 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.
- Saline, MI Auto Insurance Rates
- Saline, MI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Saline, MI
- Multi Vehicle Insurance Savings in Saline, MI
- How Credit Score Affects Car Insurance Rates in Saline, MI
- How DUI Affects Auto Insurance Premiums in Saline, MI
- Top Auto Insurance Agents Near Saline, MI
- How Driving Violations Affect Auto Insurance Rates in Saline, MI
- Saline, MI Auto Insurance Discounts on Anti Theft Feature
Saline, MI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Saline, MI with that of other cities in and around Saline.
| Saline | Washtenaw County | Ypsilanti | Milan | Lodi | Pittsfield charter | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,936 | $2,938 | $2,747 | $2,764 | $3,499 | $2,991 |
Saline, 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 Saline, 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) |
|---|---|---|
| Saline | $2,172 | $1,835 |
| Pittsfield charter | $1,084 | $915 |
| York charter | $1,891 | $1,597 |
| Lodi | $1,620 | $1,369 |
| Washtenaw County | $1,175 | $993 |
| Ann Arbor | $1,382 | $1,168 |
| Milan | $1,824 | $1,541 |
| Ypsilanti | $2,022 | $1,708 |
Saline, MI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Saline, 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 | $9,527 |
| 20 Years | $3,772 |
| 30 Years | $2,906 |
| 40 Years | $2,796 |
| 50 Years | $2,589 |
| 60 Years | $2,625 |
| 70 Years | $3,055 |
Saline, MI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Saline, 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 | $5,050 | $822 |
| 3 Vehicles | $7,575 | $1,233 |
| 4 Vehicles | $10,100 | $1,644 |
Savings on 2 Vehicles bundle:$822
Savings on 3 Vehicles bundle:$1,233
Savings on 4 Vehicles bundle:$1,644
Saline, 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 Saline, MI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Saline | $2,936 | $7,314 |
| Pittsfield charter | $2,991 | $7,451 |
| York charter | $3,366 | $8,385 |
| Lodi | $3,499 | $8,717 |
| Washtenaw County | $2,938 | $7,319 |
| Ann Arbor | $1,712 | $4,265 |
| Milan | $2,764 | $6,886 |
| Ypsilanti | $2,747 | $6,843 |
Saline, 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) | $2,519 |
| Excellent (740-799) | $2,875 |
| Good (670-739) | $3,059 |
| Average (580-669) | $3,991 |
| Poor (300-579) | $4,789 |
Saline, 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 |
|---|---|---|---|
| Tom Pelham | State Farm | 2178 S State St, Ann Arbor, 48104-6280 | 734-929-1818 |
| Johan Sutton | State Farm | 37243 Huron River Drive, New Boston, 48164-9181 | 734-753-3448 |
| Tom Early | State Farm | 44260 Cherry Hill Rd, Canton, 48187-3225 | 734-983-9160 |
| Tom Early | State Farm | 44260 Cherry Hill Rd, Canton, 48187-3225 | 734-983-9160 |
| Tom Early | State Farm | 44260 Cherry Hill Rd, Canton, 48187-3225 | 734-983-9160 |
| Kelly Frakes Clu, Chfc | State Farm | 1313 W Ann Arbor Road, Plymouth, 48170-2179 | 734-459-0100 |
| Mason-Mcbride Inc | Liberty Mutual Independent | 3290 WEST BIG BEAVER STE 503, TROY, 48084 | 248-822-7170 |
| Neil Anchill | State Farm | 42180 Ford Rd Ste 303, Canton, 48187-3677 | 734-844-3200 |
| Camden Insurance Agency Inc | Travelers | 17900 RYAN ROAD SUITE A, DETROIT, 48212 | 313-892-9602 |
| Inpro Insurance Agency Inc | Liberty Mutual Independent | 2095 E BIG BEAVER RD STE 100, TROY, 48083 | (248) 526-3260 |
| Gregory Blackwell | Farmers | 24100 Southfield Rd Ste 204, Southfield, 48075 | (248) 833-0070 |
Saline, 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 | +$129 | $3,065 |
| Driver's Failure In Showing Documents | +$285 | $3,221 |
| Driving With An Expired Registration | +$302 | $3,238 |
| Driving At A Considerably Slow Pace | +$637 | $3,573 |
| Using A Cellphone While Driving | +$672 | $3,608 |
| Running A Red Light | +$684 | $3,620 |
| Speeding | +$719 | $3,655 |
| Driving A Vehicle Without The Required Permission | +$913 | $3,849 |
| Driving With An Expired/Suspended License | +$1,979 | $4,915 |
Saline, 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 | $2,819 |
| Active Disabling Device | $2,819 |
| Tracking Device | $2,760 |
| Passive Disabling Device | $2,730 |