You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the technical advice and tools needed to succeed throughout life ’ s fiscal journey. Bankrate ’ s editorial team writes on behalf of YOU – the reader. Our finish is to give you the best advice to help you make smart personal finance decisions. We follow rigorous guidelines to ensure that our editorial content is not influenced by advertisers. Our column team receives no direct compensation from advertisers, and our subject is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and dependable data. We value your hope. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial contented to ensure the information you ’ rhenium read is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive conduct recompense from our advertisers. Bankrate follows a hard-and-fast column policy, so you can trust that we ’ ra putting your interests first base. Our award-winning editors and reporters create honest and accurate capacity to help you make the right fiscal decisions. All providers discussed on our web site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ ra putting accuracy first. Our policy team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — indeed you can feel confident about which supplier is right for you. Bankrate follows a rigorous column policy, so you can trust that we ’ re putting your interests inaugural. All of our contented is authored by highly qualify professionals and reviewed by topic count experts, who ensure everything we publish is objective, accurate and worthy of your trust. Founded in 1976, Bankrate has a long lead criminal record of helping people make smart fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making action and giving people confidence in which actions to take adjacent. While we adhere to strict editorial integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This capacity is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. If you ’ re buying car indemnity in Clinton, Michigan, expect to pay about $ 864 for minimal or $ 2.004 for wax coverage. While this is a draw of money, it ’ sulfur not a expensive as other areas in the state ( for exemplar, drivers in Warren give about $ 1,480 and $ 3,346 ). indemnity in Clinton is cheaper because the city accounts for less than 1 % of the submit ’ second accidents ( in 2018, it lone had about 2,500 accidents ). The population is precisely 2,428, but the average car ownership is two cars per family. Despite cheaper premiums than other areas of the state of matter, it is possible to save even more. To determine the best car insurance in Clinton, we looked at diverse factors, including customer satisfaction, types of coverage, premium costs, fiscal persuasiveness and available discounts .
Best car insurance companies in Clinton
To narrow down the best car indemnity companies in Clinton, we researched supplier reviews from J.D. Power and closely analyze premium costs, available discounts and coverage options .
|Insurance Company||J.D. Power Score||Average Annual Premium for Minimum Coverage||Average Annual Premium for Full Coverage|
|Geico||851 / 1,000||$745||$1,334|
|MetLife||821 / 1,000||$429||$1,257|
|USAA||897 / 1,000||$457||$1,092|
|Allstate||830 / 1,000||$1,193||$2,514|
|Progressive||824 / 1,000||$750||$1,391|
Geico offers inexpensive premiums no matter where you live in the nation. It besides routinely wins the best provider in certain regions of the U.S. with J.D. Power, as it did in 2020 with the North Central region of the U.S. The best part about Geico is the count of discounts it offers its customers. Many of its discounts are pretty significant. Our favorite is the airbag discount rate, which could save you up to 23 % on your premium, depending on your car ’ s guard rate. It besides offers up to 25 % off for purchasing policies for multiple vehicles and emergency deployment to military personnel .
The best share about MetLife for drivers in Clinton is the sum of money that can be saved by bundling policies. Considered a customer loyalty discount, bundling your home and car insurance with MetLife saves customers about $ 562 a year on average. MetLife besides has other discounts you may be able to take advantage of, excessively, such as automatic requital, well driver and good student.
USAA is an policy company for active and retired military and their immediate family. It ’ sulfur arguably the most well-reviewed insurance company on the market nowadays. If it served the general public, this supplier would win J.D. Power ’ s crown supplier across the integral U.S. If you qualify, not alone will you save a fortune of money with USAA, but you ’ ll have the ability to save even more with its discounts. It doesn ’ thymine offer a long ton of discounts compared to other providers, but the ones it offers are tailor-made for its customer base. For exemplar, you can save up to 60 % on your policy whenever you have to garage your car for an widen period .
Allstate is a forward-thinking company with some great discounts. For model, with the Drivewise app installed on your smartphone, you could save over 40 % on your agio based on how safely you drive. The app turns driving into a plot by giving you safe driving challenges each time you get in the car. arrant challenges and you earn rewards points, which can be used for endow cards, extra savings, sweepstakes and more. They besides offer discounts for a newfangled car, multiple policies, good grades and more .
Progressive has a great mobile app, which you can use for equitable about anything insurance-related, including changing coverage, filing a claim, making a payment or requesting wayside aid. While having an app international relations and security network ’ t unique in the indemnity world these days, Progressive ’ second app is comprehensive, works well and is intuitive to use. Our favorite thing about Progressive is how easy it makes shopping for car policy. Enter your budget, and Progressive will automatically list the types of policies you can afford at your price with its Name Your Price tool .
Cheapest car insurance in Clinton
The average price for cable car policy in Clinton is $ 864 for minimal coverage and $ 2,004 for full. Statewide, the average price Michigan drivers pay is $ 948 and $ 2,309. overall, Clinton drivers are faring better than the rest of the state, but not compared to the rest of the nation. presently, the average price across the U.S. is $ 531 for minimum and $ 1,624 for full. That ’ s a dispute of $ 333 and $ 380. It warrants shopping around for cheap car insurance. The table below looks at car policy rates from the most popular carriers based on market share .
|Insurance Company||Average Annual Premium for Minimum Coverage||Average Annual Premium for Full Coverage|
You ’ ll find the best discounts with Geico, AAA and Travelers. All three companies offer numerous discounts to save you up to 20 % or more on your agio. Metlife is an excellent company for bundling an car policy with a home policy ( homeowners, condominium, or renters ). While Travelers may be the cheapest, we think MetLife is besides a good choice, and lone slightly more expensive. USAA is not available to everyone, but if you or a close family member is in the military, this supplier offers excellent customer service and low-cost premiums .
Clinton insurance requirements
Michigan requires all Clinton drivers to have a 50/100/10 policy, which means each driver must have a policy that provides up to :
- $50,000 per person who is hurt or killed in an accident
- $100,000 per accident for people who are injured or killed in an accident
- $10,000 per accident for property damage
Michigan besides requires drivers to have PIP coverage. however, the laws were recently changed. Drivers nowadays have six choices for PIP coverage, one of which is to opt-out of it altogether if your health policy covers car-related injuries at a sealed level. While minimum coverage may be attractive for its low price, it is rarely a good idea to purchase the least coverage required. If you are in an accident, it is improbable to wholly cover you or your fomite, which could cost a lot more in the long run. If you plan on rent or financing a modern car, your lender or franchise will require you to get broad coverage. It ’ s a good estimate to speak with a license insurance agent to determine how to get maximum prize for your coverage .
Car insurance discounts in Clinton
Most car insurance providers offer these typical discounts to help you lower your premium :
- Defensive driving
- Automatic payment
If you have a little extra prison term in your schedule, taking a defensive drive course will normally get you a decent discount with most providers. It normally doesn ’ thymine cost a lot and will pay for itself after only a few months., The best discounts with most companies normally revolve around customer loyalty. Insuring multiple cars or using the lapp provider for your home insurance needs ( meaning renters, condominium, or homeowners policy ) will frequently save you a significant sum of money on your policies. When you are deciding on a provider, look at your other policy needs besides car. Shop around and compare providers and available discounts to get the most for your money .
Frequently asked questions
What is the best car insurance company?
car insurance is not one-size-fits-all. Everyone has unique needs, and premiums will vary greatly depending on your specific circumstances. To find the best cable car policy ship’s company for you, it ’ s a good idea to shop around and compare providers. If in doubt, talk with a license policy agent to find your ideal policy .
Is PIP insurance still required in Michigan?
technically, personal wound security ( PIP ) indemnity is no long required in Michigan. hush, to opt-out, your health insurance supplier must cover car accidents, and your deductible must not be more than $ 6,000. The state does offer more flexible PIP options as of July 2020 if you are unable to opt-out wholly.
Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive record, good credit and the stick to full coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state ’ sulfur requirements. Our sample distribution drivers own a 2019 Toyota Camry, commute five days a workweek and drive 12,000 miles annually. These are sample rates and should be used for comparative purposes only. Your quotes may be different .