Auto Insurance in Detroit

You and Your Auto Insurance: Driving in Detroit

From downtown to 8 Mile, the boundary line of Detroit’s northside, Detroit has some 2,100 streets that provide many points of interest along the way. While you drive safely, here are some auto insurance points to help you spend more time seeing Detroit’s great sights and further experience Detroit’s great automobile birthplace spirit.

Auto insurance considerations while driving in Detroit

  • Is your current vehicle new?

Are you looking to purchase a new vehicle in Detroit? Check with your auto insurance company first. For example, if you are buying a sports car or high-dollar luxury car, some insurance companies will not insure it. Think like this: You won’t get far ordering sushi at most burger joints. Insurance companies are very specific about certain kinds of cars, and some will surprise you. Being forced to change auto insurance companies at the drop of a hat for a particular car you assumed would be covered, “I’ve been with them for decades,” can be all too unwelcome. Preparation is key. Turn the key knowing you are covered.

  • Are you looking to lease a vehicle?

In general you are required to carry your own auto insurance policy with Collision and Comprehensive coverages. Collision covers the damage to your leased vehicle caused by an accident with another vehicle or object. Comprehensive covers a loss caused by things other than a collision with another car or object: like fire, theft or vandalism, or a collision with an animal.

  • Is your vehicle recreational?

Note how many miles you drive per year. This is often overlooked by people, and you may benefit from a lower premium for fewer miles driven. If you have a seasonal vehicle that is garaged a great deal of the time, discuss available options to offset your auto insurance premium for the down time.

  • Do you use your vehicle for business?

Do you garage it at home or at the office? Check premiums in both zip codes to arrange the best situation. A little public transportation coupled with a secure office garage parking situation in a lower premium zip code may be to your overall benefit.

  • Do you use your vehicle for a combination of business and pleasure?

Clearly outline the mileage for each use so your policy can find the best policy for your situation.

  • Is your current vehicle used?

Are you looking at to buy a used vehicle? If you can legally purchase only liability insurance, also consider purchasing an umbrella or excess liability policy. They pay when your underlying coverages are exhausted. Typically, the cost is $200 to $300 per year for $1-million dollars of coverage. Be smart. Pay-me-now-or-pay-me-later drives this. Paying later when an accident exceeds your liability coverage, comes straight out of your pocket, can wipe you out!

  • Do you frequently rent vehicles, rather than own a vehicle?

Consider a non-owner liability policy. It can also cover you when borrowing someone else’s vehicle.

A quick FYI in regard to extra items included on your insurance policy – if you didn’t request it, reject it! And make sure your insurance company adjusts your premiums accordingly.

Enjoy your travels in the Wolverine State, the birthplace of the automobile!