Dodge Stratus Insurance Quotes in Detroit

A recent auto insurance study discovered that most Michigan auto insurance customers have bought auto insurance from the same company for more than four years, and about 40% of consumers have never compared rates with other companies. With the average premium in America being $1,847, drivers could save as much as 47% every year, but they underestimate how much money they would save if they switch to a new company.

Insurance quote for Dodge Stratus in DetroitTo save the most money, the best way to save on Dodge Stratus insurance in Detroit is to regularly compare prices from insurers that insure vehicles in Michigan. You can compare prices by completing these steps.

An important part of this process is that you’ll want to make sure you compare identical deductibles and limits on each quote and and to compare as many companies as possible. Doing this provides an accurate price comparison and a complete price analysis.

Discounts for lower-cost auto insurance quotes

Insurance can be prohibitively expensive, but you may find discounts that you may not even be aware of. Some discounts apply automatically at the time you complete a quote, but occasionally some discounts must be inquired about prior to receiving the credit.

Drivers should understand that most discounts do not apply to the entire cost. Some only apply to individual premiums such as comprehensive or collision. Even though the math looks like you would end up receiving a 100% discount, it doesn’t quite work that way.

If you would like to choose from a list of auto insurance companies with significant discounts in Detroit, click here to view.

How much does Dodge Stratus insurance in Detroit, MI cost?

The companies shown below can provide comparison quotes in Michigan. If multiple companies are listed, we recommend you visit as many as you can to get a more complete price comparison.

What Affects Dodge Stratus Insurance Rates?

Consumers need to have an understanding of some of the factors that come into play when calculating the rates you pay for insurance. If you have some idea of what determines premiums, this allows you to make educated decisions that can earn you big savings.

Can’t I compare rate quotes from local Detroit auto insurance agents?

A small number of people still like to visit with an insurance agent and we recommend doing that Agents will help you protect your assets and give you someone to call. One of the great benefits of getting free rate quotes online is that you can obtain cheap rate quotes but still work with a licensed agent. And supporting local agencies is especially important in Detroit.

Insurance agency in DetroitAfter filling out this quick form, your insurance data is immediately sent to participating agents in Detroit who can give free rate quotes for your insurance coverage. There is no need to find an agent on your own due to the fact that quote results will go to you. In the event you want to compare prices from a specific company, just search and find their rate quote page and submit a quote form there.

Different types of car insurance agents in Detroit

If you are wanting to purchase auto insurance from a local Detroit insurance agency, it can be helpful to understand the different agency structures and how they can quote your rates. Auto insurance agents in Detroit are either independent or exclusive. Both provide auto insurance policies, but it’s important to know the subtle differences since it can impact the selection process.

Independent Auto Insurance Agencies

Agents that elect to be independent are not limited to a single company so as a result can place your coverage with a variety of different insurance companies and get you the best rates possible. If your premiums go up, your agent can just switch to a different company and you can keep the same agent. When comparison shopping, you absolutely need to contact a few independent agents to get the most accurate price comparison.

Listed below are independent agents in Detroit who may be able to give you pricing information.

600 Renaissance Center # 2100Detroit, MI 48243(313) 393-6800View Map

645 Griswold St # 2015Detroit, MI 48226(313) 963-0480View Map

Soboh Insurance
16800 W Warren AveDetroit, MI 48228(313) 581-3400View Map

More Detroit agents

Exclusive Insurance Agencies

These type of agents can only write with one company like Allstate, State Farm and Farmers Insurance. Exclusive agents are unable to compare other company’s rates so you need to shop around if the rates are high. Exclusive agents are well schooled on their products and sales techniques which helps them sell insurance even at higher premiums.

Below are Detroit exclusive insurance agents that are able to give price quotes.

Tony Massey – State Farm Insurance Agent
15 E Kirby St #112Detroit, MI 48202(313) 873-3334View Map

20021 Kelly RdDetroit, MI 48225(313) 822-5948View Map

3031 W Grand Blvd #568Detroit, MI 48202(313) 875-3172View Map

More Detroit agents

Picking the best insurance agency should include more criteria than just the bottom line cost. Any agent in Detroit should have no problem answering these questions:

Here’s why auto insurance is not optional

Even though Detroit Stratus insurance rates can get expensive, auto insurance serves an important purpose.

The benefits of carrying enough insurance more than cancel out the cost, particularly if you ever have a claim. According to a 2015 survey, the average American driver overpays more than $865 each year so it’s important to compare rates at every renewal to save money.

You can find affordable coverage

In this article, we presented some good ideas how you can find lower-cost Dodge Stratus insurance in Detroit. The most important thing to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. You may even find the best car insurance rates are with a smaller regional carrier. These smaller insurers can often provide lower premium rates in certain areas compared to the large companies like State Farm or Progressive.

Lower-priced Dodge Stratus insurance in Detroit can be bought online and with local Detroit insurance agents, so you need to shop Detroit auto insurance with both so you have a total pricing picture. Some companies do not provide the ability to get quotes online and most of the time these small insurance companies provide coverage only through independent agencies.

More detailed insurance information can be found at these sites: