Who Has The Lowest Insurance Rates For Downtown?

**Chinman** · September-25-13, 02:16 PM

I have been living in Detroit for 15 years and used my Parents house in Roseville for all that time for Auto Insurance. My Wife who's Family has had Homes in the University District also uses an address in Brighton. we all do this to keep auto insurance low. Time to fix things!

**DetroitPlanner** · September-25-13, 03:08 PM

Originally Posted by Chinman

I have been living in Detroit for 15 years and used my Parents house in Roseville for all that time for Auto Insurance. My Wife who's Family has had Homes in the University District also uses an address in Brighton. we all do this to keep auto insurance low. Time to fix things!

Have you ever had to file a claim? What happens when they realize you don't live where you say? Sounds like they could deny you based on insurance fraud.

**MikeyinBrooklyn** · September-28-13, 05:32 AM

Originally Posted by DetroitPlanner

Have you ever had to file a claim? What happens when they realize you don't live where you say? Sounds like they could deny you based on insurance fraud.

Yes, it is fraud. Rates are determined by a variety of factors, as noted above. These factors point to the likelihood that an individual will have a claim, and what that claim would be. For instance, some places [[even within the same city) have very different likelihoods of auto theft. Fraudulent insurance causes everyone else to have to pay more [[FYI, insurance companies are required to have large amounts of cash reserves and provide boatloads of data to both state and feds to prove there is logic and fairness in their rate policies). My mom works in insurance claims in New York, and she very regularly denies claims by people in NYC whose cars are registered upstate. It's fairly easy to figure out where someone actually resides if they investigate. In addition to the denied claim [[and possible, but rare, criminal charges), they will NEVER pay a low rate again. My suggestion ErikD, for your sake as well as other rate payers, is to man-up and change the address to Detroit.

PS Do you maintain that address in the burbs to avoid city income taxes, too? If you do, you are a real $#!thead. If not, why is it it okay in the one instance and not the other. Neither is a victimless crime. Other people have to pay more money because of you.

Sorry if this post seems a little beligerent, but I'm just calling a spade a spade.

**erikd** · September-29-13, 10:10 AM

Originally Posted by MikeyinBrooklyn

My suggestion ErikD, for your sake as well as other rate payers, is to man-up and change the address to Detroit.

PS Do you maintain that address in the burbs to avoid city income taxes, too? If you do, you are a real $#!thead. If not, why is it it okay in the one instance and not the other. Neither is a victimless crime. Other people have to pay more money because of you.

Sorry if this post seems a little beligerent, but I'm just calling a spade a spade.

Mikeyinbrooklyn,

It seems that you misinterpreted my post. I have been a properly licensed, full city income tax paying, registered and active city voting, insurance redlined citizen of Detroit for 16 years.

I was simply looking for recommendations for insurance agents and companies that are offering better rates for city residents, not suggestions for schemes to skirt the law.

**MikeyinBrooklyn** · September-29-13, 01:45 PM

Indeed I did, ErikD. Massive apology to you. I read your post and many replies, and seem to have combined your post with Chinman's about registering in Roseville to avoid high insurance rates. He's the jerk. You were just looking for the most affordable company. I wish you good luck with that. I use GEICO, and it's not cheap, but it isn't cheap due to a few tickets, and the fact that I rely on street parking in Detroit.

**Chinman** · September-30-13, 10:08 AM

BTW...there is NO fraud since I have the RIGHT to live anywhere. If I file a Claim and say that I live in the City to Claim something and it shown that I don't live there, that is Fraud. I never Claim to the Fact that My legal Address is in the City.
I Live In the City but do not CLAIM IT as my LEGAL address. As I said...My Wife's Family Who Lived for 70 years in the University District of Detroit...Had an Address in Brighton. My Mother-in-Law was the first black women to run for office as a state legislature representative back in the late 60's. Please tell me again how she was wrong to get auto-insurance based on location?

**DetroitPlanner** · September-25-13, 09:11 PM

Originally Posted by Chinman

I have been living in Detroit for 15 years and used my Parents house in Roseville for all that time for Auto Insurance. My Wife who's Family has had Homes in the University District also uses an address in Brighton. we all do this to keep auto insurance low. Time to fix things!

So your drivers license does not match your insurance providers records?

**MizMotown** · September-26-13, 09:57 AM

Originally Posted by DetroitPlanner

So your drivers license does not match your insurance providers records?

I'm not living in Detroit but close to it. I work in Detroit though. The best rate I could find [[and I shopped!) was Farm Bureau. 313-884-4141 on Mack Ave in Grosse Pointe Woods. Ask for Scott.