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Best Cheap Auto Insurance in Detroit 48209

Looking for cheaper auto insurance in Detroit without sacrificing coverage and service? Auto Insurance Center is here to provide you with the best cheap auto insurance rates and quality service all while helping you learn more about your city.

As the fourth largest city in the Midwest, Detroit is also the oldest city in the region, incorporated as a town in 1802 and then as a city in 1815. Named by French colonists, Detroit began as an important hub for commerce between the French and Native-American tribes. In 1796, the United States took over Detroit through Jay’s Treaty.

Henry Ford established the Ford Motor Co. in 1903 and that helped transform Detroit from an up-and-coming industrial metropolis to the world’s automotive center thanks to his innovative factory assembly line. Today, Detroit is home to General Motors, Ford and Chrysler. Detroit was also the first city in the nation to pave a mile of concrete road and install a traffic light, which was manually operated by policemen.

Besides the automotive industry, Detroit is also dubbed “Motown” from its music culture and is home to famous singers/musicians, such as Aretha Franklin, Diana Ross and Stevie Wonder. Additionally, Detroit is the birthplace of electronic (techno) and motown sound.

Detroit is one of 13 U.S. cities to have professional sports teams from all four major sports organizations. These include the Lions (NFL), Tigers (MLB), Pistons (NBA) and the Red Wings (NHL). Though all organizations have won multiple championships, the Red Wings have enjoyed the most success, winning 11 Stanley Cups, which is the most by any American NHL team.

Detroit Driving Conditions

According to the 2015 Urban Mobility Scorecard report, Detroit ranked 10th in travel delays due to traffic congestion within the United States.

Detroit deals with various amounts of precipitation throughout the year. From heavy snowfall in the winter months to rain, hail and mist in the spring, summer and fall — roads in Detroit are often wet from the weather.

Michigan Driver’s Licence

As a legal resident of Michigan, you’ll need to obtain a Michigan driver’s licence. Switching from another state includes a vision test and paying a fee. There is no other test to take if you have a current out-of-state license or Canadian operator’s license. Michigan law permits drivers to only have one valid driver’s license at a time.

Seat Belt Laws

Every driver and passenger must wear a seat belt at all times. Passengers younger than 16 must be buckled up in all seating positions. All children younger than 8 must be in an approved child-safety seat or booster seat, unless 4 feet and 9 inches or taller.

Michigan has the Click It or Ticket policy where police officers can stop a vehicle if occupants are not properly buckled.

Cell Phone & Texting Laws

Cell phone use is prohibited while driving in Michigan, including Detroit city limits.

Reading, typing or sending a text message while driving is prohibited in the state of Michigan.

Odd Laws

It’s illegal for residents of Detroit to let a pig run free unless it has a nose ring.

Car sales are off-limits in Detroit on Sundays.

You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.

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