There are several factors that affect Michigan auto insurance rates. Car insurance companies consider factors like where the customer lives, the make and model of car involved and how much driving he or she does per year to help them set rates.
If a car insurance customer lives in an area that experiences a large number of car thefts annually, the company will likely charge a higher rate for coverage. People who live in large urban centers tend to pay more for their car insurance coverage than those who live in rural areas.
There are certain makes and models that are more likely to be targeted by thieves, and choosing to drive one of them will also mean digging deeper to pay for car insurance coverage. Keeping the car in a locked garage as opposed to parking on the street or in a driveway will lower the risk of theft and may help to bring rates down.
Keeping the car at home during the week and taking public transit or carpooling instead can lead to car insurance savings. The insurance company figures that fewer annual miles means less risk of being involved in a car accident, and customers who pose a lower risk get lower rates for their coverage. When asking for a car insurance quote, customers should be prepared to disclose the number of miles they drive each year to the insurer.