Flint Car Insurance
Getting insurance in Flint probably isn't going to be cheap, and there's a lot of blame to go around. First off, you can look at the state laws. Michigan is famous for its expensive insurance. It's the second most expensive state in the country, just behind New Jersey. That's because of Michigan's "no fault" insurance with no limits on the amount of personal injury money that can be claimed. And, as you might expect, Flint's auto theft rate is higher than average as well - although only about 10% about the national average.
It also doesn't help that Flint is underserved by car insurance agencies, with only 40 agencies in the city limits. Furthermore, most of the carriers offer non-preferred insurance with companies like Foremost, Victoria, and Titan. In any case, good luck. It's definitely worth taking the time to shop around to get the best price.
Many people overpay for auto insurance. Here are a few ways to get a cheap rate.
• Get quotes regularly. Your rates should go down over time as your car or truck depreciates and your driving record improves. If not, negotiate a lower rate, or get quotes from other companies.
• Compare quotes accurately. Rates can vary greatly depending on the level of coverage offered. When comparing rates, make sure that the insurance offered is equivalent. Keep in mind that state minimum insurance may not protect you completely.
• Discuss your options. Talk with an agent to determine if collision, comprehensive, or personal injury protection are a good value. Individual insurance needs vary greatly.