InsuranceCost

Won’t disagree with you there...but that’s mostly a Michigan legislative thing with the mandate of no-fault and some other things I’m not that knowledgeable about. I do know that in my past career in auto insurance I worked for 2 insurance companies who sold insurance there, but then fully pulled all business out of Michigan, due to their odd laws and subsequent inability to turn a profit there...the laws make it near impossible to reward good drivers with lower rates and surcharge the idiots, like in most places. Many other companies did the same. So that particular state is now suffering from limited choices and a notable lack of competition compared to most other states. Auto Insurance is EXTREMELY regional, and individual, when it comes to pricing, so a conversation about it among a handful of people scattered across the country is mostly for entertainment purposes and of little practical value. To get good advice Mohammed would be best served discussing his issue with locals and neighbors and friends who are in his similar personal position....it’s not a Clarity thing at all.
 
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craze1cars said:
Won’t disagree with you there...but that’s mostly a Michigan legislative thing with the mandate of no-fault and some other things I’m not that knowledgeable about.
Click to expand...
My main point was that residents of Detroit pay incredibly high auto high insurance rates. I found these comparisons of big-city insurance rates online:
  • San Francisco—10% higher than national average.
  • Sacramento—16% higher than national average.
  • Atlanta—17% higher than national average.
  • Los Angeles—25% higher than national average.
  • Miami—34% higher than national average.
  • New York—36% higher than national average.
  • Detroit—165% higher than national average.
I'm sure this cost is higher than it would be in other states in part due to Michigan's requirement for unlimited lifetime coverage for medical expenses resulting from car crashes. However, the biggest reason for Detroit's high insurance rates is that Detroit is not a safe place for cars.

Forty-five miles from Detroit, we're paying $1,932/year for very robust coverage for our Clarity. I have no problem paying for the unlimited insurance that insurance-company lobbyists are continually pushing to eliminate. The influenced legislators claim insurance rates would decrease if the unlimited insurance was eliminated, but not by how much and not for how long. They propose a two-tiered system where people could optionally choose the unlimited medical coverage, but it's obvious the price for that upper tier would go through the roof if was no longer universally subsidized.
 
After I got the Clarity to replace my Land Rover, I got hit with a higher premium thru Geico.
Can you believe a $35K 2018 Honda costs more to insure than a $60K 2016 Land Rover ???

Started looking around and found Wawanesa with a 30% reduction for the same coverage.

I am in So Calif.
 
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