  Michigansheik Member Username: Michigansheik Post Number: 101 Registered: 09-2005 Posted From: 131.156.153.171 |
Hi, Two of my coworkers are relocating to our Canton office and are looking into living downtown. Can anyone recommend an insurance company or two with decent rates, relatively speaking? One wants PLPD the other wants limited collision. Thanks! | ||
Jjaba Member Username: Jjaba Post Number: 3293 Registered: 11-2003 Posted From: 67.160.138.107 |
Hopefully, they are living at Grandma's house West of Dearborn. jjaba. | ||
Drm Member Username: Drm Post Number: 885 Registered: 10-2003 Posted From: 69.215.255.129 |
I have a great deal through State Farm. | ||
Jimaz Member Username: Jimaz Post Number: 406 Registered: 12-2005 Posted From: 68.2.191.57 |
I too would appreciate any advice about auto insurance in Michigan. I'm paying very high rates now in Phoenix, partially because of a "V8 performance premium." Do Michigan insurers also charge extra for V8 engines? I know they can tell V8s from the VIN code. There's a high auto theft rate here too allegedly because of the proximity to Mexico. I'll be moving to Macomb County though so I gather auto theft would be less of a factor in rates than in Detroit? Yes, please continue recommending insurance companies with decent rates. | ||
Motorcitymayor2026 Member Username: Motorcitymayor2026 Post Number: 573 Registered: 10-2005 Posted From: 24.231.189.137 |
yea, outside of detroit it shouldnt be much of a problem, rates are reasonable... but, hey, u should be moving into the CoD  | ||
Jimaz Member Username: Jimaz Post Number: 410 Registered: 12-2005 Posted From: 68.2.191.57 |
Motorcitymayor2026, I just may do that. | ||
Jjaba Member Username: Jjaba Post Number: 3303 Registered: 11-2003 Posted From: 67.160.138.107 |
Tell your ins. agent you promise not to cruise Van Dyke, or Gratiot Avenue, popping off the line every time you pull up next to another hot moma. jjaba, content with his V6 SUV. | ||
Jimaz Member Username: Jimaz Post Number: 414 Registered: 12-2005 Posted From: 68.2.191.57 |
Heck, I just use the V8 to engine brake. I hardly ever use the friction brakes. Thanks Jjaba. Jimaz -- 100 feet from Van Dyke. | ||
Ilovedetroit Member Username: Ilovedetroit Post Number: 2118 Registered: 02-2005 Posted From: 69.246.57.75 |
Who cares you/they don't live in Detroit. | ||
Metrodetguy Member Username: Metrodetguy Post Number: 2412 Registered: 11-2003 Posted From: 69.221.68.111 |
And neither do YOU! | ||
Jimaz Member Username: Jimaz Post Number: 415 Registered: 12-2005 Posted From: 68.2.191.57 |
? Hey, I'm sincerely trying to be respectful. Am I crossing a line? I need to know. | ||
Michigansheik Member Username: Michigansheik Post Number: 102 Registered: 09-2005 Posted From: 72.255.18.135 |
I just want to help out my co-workers and get them into the CoD. I have lived there for 2 years but work get a vehicle since my job has my driving 35k per year so I haven't had to shop for insurance yet. Right now it looks like State Farm is OK in Detroit. Does that LA Insurance have good PLPD rates? | ||
Jimaz Member Username: Jimaz Post Number: 416 Registered: 12-2005 Posted From: 68.2.191.57 |
Ilovedetroit, it might reduce confusion if, at the beginning of your posts, you include the names of individuals to whom your comments are directed. | ||
Jerome81 Member Username: Jerome81 Post Number: 934 Registered: 11-2003 Posted From: 64.142.86.133 |
Try Costco (Ameriprise?)? I tried to get an online quote just out of curiosity (to compare to what I pay in CA right now), but the Michigan insurance is totally and completely different than California I had no idea if I had filled out a similar coverage or not. Is it the no-fault? | ||
Jimaz Member Username: Jimaz Post Number: 419 Registered: 12-2005 Posted From: 68.2.191.57 |
Yeah, my concerns exactly. I know no-fault's unique in Michigan but I don't know what effect it has on rates or even what it means, other than the obvious. Um, "obvious" meaning there would be no litigation or effect involved as to who was at fault in an accident? (Message edited by Jimaz on March 14, 2006) | ||
Rms Member Username: Rms Post Number: 18 Registered: 11-2005 Posted From: 141.211.114.43 |
We used what I think is called an insurance broker. They aren't the insurance company themself, but do the shopping for you. They find the best fit that they can, matching your goals for both quality of coverage and rate. We both have very good driving records in our household. We also took the best package deal of auto/home. There were others with better auto only price, but we needed to consider the whole. We had shopped around before and thought we were doing pretty well through Nationwide (somewhere around Gratiot & 7). We couldn't afford the high home insurance premium for replacement cost. So we covered our butts and just insured for the mortgaged amount. With the new insurance we more than doubled the coverage for the same premium. And our car insurance went down by thousands. They have us using Auto Owners now. This was for 2 cars with collision coverage. I dealt with a woman named Stacy at Total Insurance Services in Clarkston, MI. (248)625-0410. I was surprised (and saddened) that my best insurance deal did not come from a business located in Detroit. | ||
Jt1 Member Username: Jt1 Post Number: 6974 Registered: 10-2003 Posted From: 198.208.251.24 |
I like Amica - amica.com
The backlash may be to the ridiculous difference in Detroit compared to the rest of the region. Insurance makes people a little touchy. The most important thing is to get a lot of quotes. What is ridiculous redlined in Detroit (AllState, State Farm) may be the best deal in the city, more specifically the zip code, that you choose to move to. Amica works best for me but they may not work best for someone in a suburban zip code. Shop around and get as many quotes as you can and conitnue to shop around as the prices seems to be in a constant flux and some insurance carriers like to up your coverage at renewal without telling you (They can get away with it since it is in the new policy that you 'choose' to renew) | ||
56packman Member Username: 56packman Post Number: 100 Registered: 12-2005 Posted From: 129.9.163.233 |
Michigansheik--there is one option that Michigan offers--you can go to the friend of your cousin's girlfriend and get a bogus temp tag (fresh off the 'ol HP printer) and just skip the whole insurance thing all together. Many in the metro region are doing just this! | ||
Bvos Member Username: Bvos Post Number: 1248 Registered: 10-2003 Posted From: 66.238.170.50 |
Insurance is going to be outrageous in Detroit compared to the suburbs, especially Canton. What's ironic about this is that there are probably a ton more accidents in Canton due to the overcrowded and poorly designed roads in comparison to the traffic load they are now carrying. You can do 56's plan, but be prepared to do some explaining to the cops if you get pulled over and don't have valid insurance and/or tags. A better option would be to insure the car in the suburbs at a relative or good friends house. It's not technically legal, but I hardly find the insurance companies rates to be justified either. | ||
Rms Member Username: Rms Post Number: 19 Registered: 11-2005 Posted From: 141.211.114.43 |
I'll echo my earlier more detailed post. When we were living in Ypsi, we were paying typical suburban rates. When we moved to Detroit we went through State Farm, then Nationwide, and finally Auto Owners through an insurance broker. Our rates are again at their former suburban level. I'd give Stacy at Total Insurance a call. (248)625-0410 When I was shopping around I had to make literally dozens of phone calls, faxes of current policy. The beauty of the broker service is that THEY did all of that shop/comparison for me. They must get their kickback from the insurance company. I sure don't seem to be paying a fee. Anyhow, it's worth a try. I also found that the earlier insurance companies that we worked with used specific zip code rather than general city of Detroit to try to get us the best rate. | ||
Gravitymachine Member Username: Gravitymachine Post Number: 924 Registered: 05-2005 Posted From: 198.208.159.20 |
I also have amica, after hearing about JT1's experience's with them....their quoted premium was almost HALF of what state farm wanted from me for similar coverage. I felt bad changing becasue my SF agent was right down the street but heck, you can't argue with a several hundred dollar savings. | ||
Jimaz Member Username: Jimaz Post Number: 420 Registered: 12-2005 Posted From: 68.2.191.57 |
Jt1, thanks. Ah, yet another potential faux pas to avoid in that fascinating social maze of Metro Detroit. I'm still learning. Thanks! | ||
Jimaz Member Username: Jimaz Post Number: 421 Registered: 12-2005 Posted From: 68.2.191.57 |
Rms, yes, brokers are good. An AAA (car-buying, not insurance) broker found me a superb $25k car for only $18k. I didn't have to lift a finger. AAA might not offer that service in Michigan though. They should. Thanks for that phone number! | ||
Cmubryan Member Username: Cmubryan Post Number: 225 Registered: 11-2003 Posted From: 68.79.114.193 |
What about fair insurance rates for someone who has had a couple tickets in the last two years? | ||
Motorcitymayor2026 Member Username: Motorcitymayor2026 Post Number: 589 Registered: 10-2005 Posted From: 24.231.189.137 |
HAHA! in Detroit?? | ||
Susanarosa Member Username: Susanarosa Post Number: 761 Registered: 11-2003 Posted From: 208.39.170.77 |
I have a shitty-ass driving record (no tickets, just hitting unmoving objects) and my insurance from GPP to Detroit only went up $175 with AAA. Of course, it also went up $100 when I moved from RO to GPP but that's another story... | ||
Jimaz Member Username: Jimaz Post Number: 427 Registered: 12-2005 Posted From: 68.2.191.57 |
Susanarosa, is that insurance through AAA actually from "American Commerce Insurance Company" in Columbus Ohio? Just curious. | ||
Michigansheik Member Username: Michigansheik Post Number: 104 Registered: 09-2005 Posted From: 72.255.48.227 |
thank you for the info, i will definitely pass it around. i'm showing them around this weekend and the auto insurance quote they got from chicago was 5 times their rate, but that was with their current provider and i told them it could be less than yet, guess we'll find out. | ||
Susanarosa Member Username: Susanarosa Post Number: 762 Registered: 11-2003 Posted From: 70.236.168.226 |
It's through whomever these folks are http://www.autoclubgroup.com/m ichigan/welcome.asp?zip=48207 | ||
Cmubryan Member Username: Cmubryan Post Number: 227 Registered: 11-2003 Posted From: 68.249.240.134 |
I called Amica after reading about it on here. They quoted me a rate in Detroit three times higher then West Bloomfield. | ||
Harmonie Member Username: Harmonie Post Number: 564 Registered: 08-2004 Posted From: 198.109.32.15 |
If you or a relative are or were in the armed forces you should check out www.usaa.com; it's a financial istitution that does insurance too. Absolutely the lowest insurance anywhere...suburbs or city. | ||
Michigansheik Member Username: Michigansheik Post Number: 108 Registered: 09-2005 Posted From: 131.156.153.168 |
great info, thanks again! | ||
Jimaz Member Username: Jimaz Post Number: 439 Registered: 12-2005 Posted From: 68.2.191.57 |
Susanarosa, thanks for that link. I think I'll stay with AAA for now and shop around after I get there. | ||
Nip Member Username: Nip Post Number: 80 Registered: 11-2003 Posted From: 148.87.1.172 |
Last month I went on the search for car insurance and called everyone (AAA, Allstate, State Farm, et cetera), trying to get the best price. Moving back here from Illinois, I was shocked at some of the quotes I received. It appears that auto insurance in MI is 2x the cost in IL. In my experience Farmers insurance was the cheapest. They offered more coverage for less. Their homeowners insurance is also about $200 less then State Farm and All State. | ||
Nip Member Username: Nip Post Number: 81 Registered: 11-2003 Posted From: 148.87.1.172 |
Quote: "If you or a relative are or were in the armed forces you should check out www.usaa.com; it's a financial istitution that does insurance too. Absolutely the lowest insurance anywhere...suburbs or city." To qualify, you or your relative must have been discharged from the armed forces no more then 6 months prior, or you don't qualify. I tried this too. |
