Car Insurance in Sterling Heights

Sterling Heights is a populous city in Michigan with some of the most dangerous intersections, meaning auto insurance is a must.
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Securing the Right Car Insurance in Sterling Heights, MI

Sterling Heights, MI, has a population of 131,523 people. The city is home to some of the busiest intersections and roads in the state. While the median age of residents, 41.3 years old, suggests a population of experienced drivers, the city still experiences its fair share of accidents every year. No-fault insurance is a legal requirement for any vehicle owner in Michigan, but policyholders can be selective about coverage options and add-ons. Several insurers offer car insurance in Sterling Heights, and you can compare each offering through VIU by HUB.

Sterling Heights: Home to One of the Most Dangerous Intersections in the State

Sterling Heights, Michigan, is home to one of the most dangerous roads in the entire state. The intersection of 18-1/2 Mile Rd and Van Dyke Ave experienced 188 accidents, with 10 resulting in injuries in 2022.

Also, the city has a violent crime rate of 8.4 per 1,000 residents. making it safer than 48% of other U.S. neighborhoods. Still, the odds of becoming a violent or property crime victim are one in 540 and one in 119, respectively, carjackings and theft included.

While the city is comparatively safe, the chances of experiencing an accident or crime are not zero. Car insurance is a legal requirement and a necessity to protect your property and finances.

Average Cost of Car Insurance in Sterling Heights

The national average for car insurance coverage is $1,265; the average cost in Sterling Heights is $2,053, $788 more. Still, the city's average is about $140 less than the state's. The actual cost of an insurance policy depends on several factors, including the make, model and year of the vehicle and the driving record of the policyholder.

Choosing a Reliable and Trustworthy Insurer

Insurance companies vary in offerings and customer support. As a policyholder, you want to work with a company that values you and is there when you need them. Many people choose insurers because of significant savings upfront rather than what the policy offers down the line.

When weighing policy options with VIU by HUB, make sure you are looking at the right details. Some things you should look for include:

  • Number of coverage options and add-ons
  • Length of time in business
  • Flexible payment arrangements
  • Transparency
  • Reviews, referrals and testimonials

Getting the Best Deals on Car Insurance in Sterling Heights

Looking for insurance companies offering savings is not the only way to save money. Things like vehicle age, your credit score and ownership play a role in premiums. While newer cars are lovely to drive and may not break down often, their parts and maintenance are usually pricier than used cars, meaning premiums are higher.

Lower credit scores represent a higher risk to insurers, so premiums usually go up the lower the score. If possible, find ways to raise your credit score without increasing your liabilities.

Also, if you own your car outright, you can select the most affordable coverage options, but if you finance or lease, lenders usually want more coverage. More coverage means higher premiums.

When searching for car insurance in Sterling Heights, MI, VIU by HUB can help. The service allows you to compare various policies and insurance to find the right match for your budget and vehicle.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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