Best cheap auto insurance in Guangzhou

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Drivers in Canton, Michigan can expect to pay an average of $ 1,046 for minimum coverage and $ 2,537 for full coverage, which is significantly higher than the national average of $ 565 for the minimum and $ 1,674 for the full. Insurance in Canton is expensive for several reasons. For starters, Wayne County represents almost 18% of Michigan’s population and has the most traffic incidents of any other Michigan county each year. In 2018, for example, there were a total of 54,072 accidents, which represented 17% of the total number of accidents in the state This year.

However, that doesn’t mean there aren’t deals to be found. To find the best insurance company for the best price for Canton Drivers, we looked at customer satisfaction scores, average cost of premiums, available discounts, and the financial strength of each company.

Best Car Insurance Companies in Guangzhou

We have determined that the following companies offer the best cheap car insurance in Canton by looking at JD Power and AM Best reviews and ratings, the average cost of premiums, and the number of discounts available.

Insurance company JD Power Score Average annual premium for minimum coverage Average annual premium for full coverage
Wolverine mutual N / A $ 350 $ 1,935
Chubb N / A $ 356 $ 1,766
MetLife 821 / 1,000 $ 499 $ 1,474
Geico 851 / 1,000 $ 666 $ 1,383
United States 897 / 1,000 $ 493 $ 1,244

Wolverine mutual

Wolverine offers some of Michigan’s lowest premiums, especially when it comes to minimum coverage. However, they also offer customers several ways to save even more on their monthly bill by offering these discounts:

  • Good student
  • Safe driver
  • Multi-car
  • Grouping

Of all the discounts available, you’ll get your money’s worth if you combine your Wolverine Mutual auto policy with condo, tenant, or homeowner insurance. Not only will you save on your auto policy, but you’ll also lower your premiums for the additional policies you purchase.

Chubb

Although Chubb has yet to be rated by JD Power for its auto insurance, it has performed so well in other categories that it made our top five. The first thing you need to know about Chubb is that it offers a ton of coverage options. You can get coverage for things like your locks and keys, pets, windows, and even your child’s car seat. They also offer things like worldwide rental coverage and manufacturer parts coverage, which will pay for original manufacturer parts instead of what is considered “aftermarket”.

Chubb also offers discounts on items that are easy to add to your vehicle, such as air bags, anti-theft devices, anti-lock brakes and daytime running lights. The savings for these devices aren’t huge, but they lower the premium even further on an already affordable policy.

MetLife

MetLife says customers save an average of $ 906 per year when they bundle their auto insurance policy with home, tenant or condo insurance. But that’s not all MetLife has to offer; this provider offers a range of coverage options to meet almost any need and budget.

MetLife is also using technology to help keep Michigan’s roads safer. With the My journey® app, it analyzes your driving and mobile phone habits and lets you know when you are about to put yourself and others at risk. This app is a great tool for all young drivers who are under your policy.

Geico

Geico has a lot to offer, but the most attractive thing about this provider is the number of auto insurance discounts. For example, insure multiple cars with Geico and you could save up to 25% on your premium. Install an anti-theft system and you could save up to 23%. Daytime running lights will get you a three percent discount.

Geico also has some of the strongest customer satisfaction scores in the industry. JD Power awarded it the top spot for the North Central States.

United States

While United States Serves only serving or retired military personnel (or their immediate families), it is consistently ranked among the company’s top insurance providers. For starters, it offers cheap premiums for both minimum and full coverage options. The discounts it offers to military personnel and their families are also top notch and are not offered by most other vendors. For example, whenever you need to store your vehicle in a garage while deployed, USAA will reduce your premium by 60%.

Like Geico, USAA has exceptional customer service scores with JD Power. They are so strong that the USAA would be ranked as the number one supplier in the United States along with JD Power if it served the general public.

The cheapest auto insurance in Guangzhou

The average premium Canton drivers pay for minimum and full coverage is slightly higher than that of other Michigan drivers, but not by much (the state average is currently $ 948 for minimum and $ 2,309. for full). However, as previously reported, Canton drivers pay significantly more than most US residents – almost $ 500 more for minimum coverage and almost $ 900 more for full coverage.

There are affordable options, however. The following table examines the cheapest auto insurance in Canton, Michigan with popular carriers.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Travelers $ 259 $ 3,586
United States $ 493 $ 1,244
MetLife $ 499 $ 1,474
Geico $ 666 $ 1,383
Progressive $ 717 $ 1,393

These companies are all known nationally for providing exceptional service. Travelers offer extremely cheap minimum coverage, but are the most expensive for full coverage on this list. USAA and MetLife are around the national average. Geico and Progressive are slightly higher for minimum coverage, but offer relatively inexpensive full coverage options.

Each offers a robust and user-friendly mobile application and broad coverage options. You’ll find the most discounts with Travelers, Progressive, and Geico, but MetLife and USAA offer cheap rewards without the need for multiple discounts.

We recommend that you speak with a licensed insurance agent to determine which provider has the best options to meet your unique needs.

Cantonal insurance requirements

Michigan requires all drivers to have a 50100/10 policy which must cover up to:

  • $ 50,000 per person for bodily injury
  • $ 100,000 per accident for bodily injury
  • $ 10,000 per accident for property damage

Additionally, Michigan law previously also required all drivers to purchase Personal Injury Protection Insurance (PIP), but a recent change in state law allows drivers buy the level of injury protection they want or even opt out if they have a health care plan that covers auto related injuries.

When choosing a policy, don’t necessarily judge a business solely on the average amount it charges for minimum coverage, as you may very well need additional coverage to fully cover you and your vehicle, especially if you are considering leasing or financing a new car. Many lenders and dealers require buyers to purchase comprehensive coverage as part of their qualification process.

Auto insurance discounts in Guangzhou

Canton drivers can also save money on auto insurance by researching all available discounts. Here are some typical discounts offered by most vendors:

  • Multi-Car
  • Defensive driving
  • Good student
  • Multi-policy
  • Anti-theft

Most providers also offer financial incentives to use them for all of your insurance needs. Use the same company to insure multiple vehicles or your home, condo, or apartment, and you’ll likely save money.

Taking a defensive driving course is also a quick and easy way to save on your premium. You can do this online at your convenience or in person at a local driving school. It only costs a few dollars and usually pays for itself after just a few months.

Frequently Asked Questions

What is the best auto insurance company?

There is not “one” best auto insurance company, because everyone has different needs. It’s always a good idea to shop around and compare vendors to see what works best for you. A licensed insurance agent can also give you insight into how to get the best coverage at the most affordable price.

Can you unsubscribe from PIP in Canton, Michigan?

Yes, as of July 1, 2020, you cannot choose not to have PIP in Michigan. However, you can only do this if your health insurance covers car-related injuries and has a deductible of less than $ 6,000.

Methodology

Bankrate uses Quadrant Information Services to analyze rates for all postal codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, a good credit and the following full coverage limits:

  • $ 100,000 liability for bodily injury per person
  • $ 300,000 liability for bodily injury per accident
  • Civil liability for property damage of $ 50,000 per accident
  • $ 100,000 in bodily injury caused by an uninsured motorist per person
  • $ 300,000 in uninsured bodily injury per accident to a motorist
  • $ 500 collision deductible
  • Global deductible of $ 500

To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our example drivers own a 2019 Toyota Camry, commute five days a week, and travel 12,000 miles a year.

These are sample rates and should only be used for comparison purposes. Your quotes may be different.

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