What is the deal with the cost of automobile insurance in Detroit?

[angstlessk]

damn, I cannot imagine having to fork over insurance that included comprehensive coverage. I have not owned a car in over 2 years and hence have not had insurance for over 30 days, so I expect my premiums to be 'somewhat' higher than the average drive, but the CHEAPEST yet is well over $700 for 6 months!!!! With no traffic tickets, a woman over 50 and no accidents for over 5 years, actually since I was about 25.

This is MOTOR CITY and the insurance is unaffordable!!! What do people do here? They need to do away with this crap 'no fault' crap..did I forget to call 'no fault' crap? :shrug:

[sarcasmo]

1. Theft rates and your zip code, it's illegal but the Insurance company uses this formula.

[maddogesq]

2. Something else I heard that the bastids do.

I heard from a woman that used to work for my State Farm agent (someone I trust a lot) that insurers are also using accident and vehicle damage histories, even if said damage was not your fault. Based on the fact that no-fault and years of Gooper control in this state have allowed these fockers to get away with murder, I believe it. She warned me of this when I admitted I was shopping for lower rates because of the now infamous wrong-way frat boy incident I have talked about ad nauseum.

Is this a ploy to keep me with State Farm, or can someone dig up some real dirt on it? I really, really hate insurance companies of all types. The trick with insurance is always to find a good agent, as the companies they work for generally have a license to steal your money.

[sarcasmo]

3. I think it's a ploy so you don't change. It costs you nothing to get quotes, go get three or four

Quotes and throw the cheap ones in State Farms face and see if they can match it, and if not say adios.

[skipos]

4. If you haven't already, shop around

I have had state farm for awhile and I have paid about $220 to $320 per car per 6 months. Every time I shop around, I am surprised by how expensive the quotes are.

[PassingFair]

6. You're in AnnArbor....

there are no good deals withing the city limits
of Detroit.

[PassingFair]

5. Try getting replacement value insurance for your home!

Before we moved to the suburbs (13 years ago),
we could only get pool insurance for our HOME
and contents.

We couldn't even PAY EXTRA for it.

It's called red-lining. It's supposed to be
illegal, but they do it anyway.