Detroit Car Insurance

Detroit, affectionately known as The Motor City or Motown, is the 10th most populated city in the United States. More than 911,400 people call Detroit home, and those who live and drive to work in the city spend about 28 minutes commuting to work everyday. That's two minutes longer than the national average.

It should come as no surprise that Detroit ranks 11th in the nation for traffic congestion. The city spends more than 109,000 hours in traffic every year, which averages out to about 27 hours annually per driver. This costs the taxpayers about $1,939,000 every year, at $481 per driver in car related repairs and expenses.

Car insurance premiums continue to rise for Detroit residents as the city climbs the rankings for car theft. It is16th in the nation for stolen cars, having reported more than 35,500 stolen vehicles in 2005 alone.

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But it's not just money and time that are lost. Due to the high number of cars on the road, accidents happen more frequently. Detroit reported more than 400 fatal car accidents over a two year period, which, when averaged against the population, is slightly higher than the national average. Health problems like asthma, heart disease, and stress are also rising among the living.

Car Insurance Policies in Detroit, MI

Michigan is a no-fault policy state. Drivers must purchase Personal Injury Protection (PIP) as well as liability insurance. The minimum amount is 20/40/10 which means that you are covered for $10,000 in property damage, $20,000 in bodily injury coverage for each person in the accident up to a $40,000 limit per accident.

Remember, these are only the required minimums. This does not include coverage for uninsured motorists or underinsured motorists or the cost of funeral expenses. You may choose to up the limits and purchase additional protection at your discretion, after taking into account your budget limitations, coverage from other policies, and the value of your vehicle.

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Detroit New Center Super Center
3046 W Grand Blvd
Detroit, MI 48202
Tel.: (313) 541-5454

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