Who Has Cheap Auto Insurance Quotes for State Employees in Michigan?

It’s hard to avoid all the ads from companies like The General, Allstate, and Liberty Mutual that make promises of big savings, so drivers should just choose any one of them, right?

That is not the case, however, as there are a whole bunch of unknown aspects such as the liability claim history for your vehicle model, any tickets or violations, and if you are a homeowner or renter, that all have an effect on the price. We will touch on the best ways to shop for cheaper coverage and educate you enough to have a jump start in finding the best auto insurance.

The type of vehicle that needs insurance is probably the biggest factor that determines the availablility of cheap car insurance for state employees in Michigan. Vehicles with higher performance characteristics, poor safety features, or a history of substantial liability claims will cost much more to insure than safer, lower-performance models. The data below presents car insurance rates for a number of the most budget-friendly automobiles to buy insurance for.

Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Premium costs do not factor in zip code location which can increase or decrease premium rates greatly.

By looking at the data, you can figure that vehicles like the Chevrolet Traverse, Ford Escape, Jeep Wrangler, Honda CR-V, and Chevrolet Equinox are most likely to be a few of the more affordable vehicles to insure for state workers.

Deciding which company quotes the lowest-priced auto insurance rates for state employees involves a little more effort in order to find the lowest price quote. Every car insurance company has their own process to determine premium rates, so we’ll go over the most competitive auto insurance companies in Michigan.

Lowest Insurance Price Quotes in Michigan

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USAA normally has some of the most affordable car insurance rates in Michigan at around $987 each year. GEICO, Safeco, MetLife, and Chubb also rank well as some of the cheapest Michigan car insurance companies.

As the rates illustrate above, if you currently have a policy with Safeco and switched to USAA, you may realize an annual premium reduction of in the vicinity of $92. Policyholders with MetLife could save as much as $377 a year, and Chubb insureds might lower prices by $427 a year.

Bear in mind that those rates are averages for all ages of drivers and types of vehicles and do not take into consideration a price decrease for state employees. So the company that fits your age and vehicle best may not even be shown in the list of companies shown earlier. That is why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

Discounts on cheap car insurance for state employees in Michigan

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/best-car-insurance-state-employees-mi.jpg" alt="Cheaper Michigan auto insurance for state workers”/>Auto insurance companies that sell policies for state employees may also provide rate discounts that could lower prices by as much as 35% if you qualify. A few popular companies and a summarized list of policyholder discounts include:

The information below shows the difference between auto insurance rates with and without discounts applied to the policy rates. Data assumes a female driver, no violations or claims, Michigan state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with vehicle safety, claim-free, multiple policy, defensive driving course, homeowner, and marriage discounts applied. When taking advantage of discounts, the the amount saved on auto insurance for state employees is % or $.

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Progressive, Geico, Allstate, and State Farm: Who is cheapest?

When shopping for auto insurance for state workers, four of the larger companies to compare rates for are Progressive, Geico, Allstate, and State Farm. The table below illustrates pricing and service ratings, plus some optional coverages .

Find cheap car insurance for state employees in Michigan

It is possible to find better rates, and here are a few penny-pinching ideas that can help Michigan drivers quote cheap coverage.

• Drop full coverage on older vehicles
• Avoid accidents
• Avoid filing excessive claims
• Bundle car and home insurance and save money
• Do not get traffic tickets
• Vehicles with good safety ratings are usually cheaper to insure
• Shop around for cheaper prices

The last idea is certainly necessary, as we emphasized in the prior information. Insurance prices change a lot, so you should be ready to change insurance companies if you find a better deal.

Having a favorite company is great, but is isn’t recommended if it’s costing you potentially thousands of dollars a year. Take a couple minutes and compare prices to find cheaper insurance for state employees.