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Cheap Car Insurance in Lansing, Michigan

Locate cheap car insurance in Lansing, the capital of Michigan located on the Grand River. The city’s real development began after the founding of the Olds Motor Vehicle Co. there in 1897. Lansing became a major center of industry, though its economy today is a mix of government, health, insurance, banking and education. Ranked one of the U.S.’ hardest working towns by Parade Magazine, Lansing today still has its automobile roots. In 2015, GM’s Lansing plant began producing Chevrolet Camaros, the first built in the U.S. since 1992. Lansing is part of Ingham County, though it is the only state capital that is not also the county seat. A population of approximately 116,000 lives within Lansing’s 37 square miles.

Driving Conditions in Lansing

Interstates 69 and 96 form a partial loop around Lansing, and U.S. 127 passes north-south over the city’s eastern border. Interstate 496 loops through downtown and connects with either end of I-96. Traffic congestion is not nearly as problematic for Lansing drivers as other cities its size. The average commute time for Lansing is only 18.6 minutes, seven minutes shorter than the U.S. average of 26 minutes, according to Census Bureau data. Winter weather is a different story. Michigan authorities recommend drivers check for advisories at www.michigan.gov/roadconditions or by calling 800-381-8477. State police update advisories at least twice per day from November to March.

Other things to watch out for in Michigan include collisions with an increasing population of deer. These crashes, which are dangerous and sometimes fatal to both deer and human, are most common from October through December and on two-lane, rural roads between 6 p.m. and midnight. If you see one deer, Michigan State Police advise, slow down and be leery of others, and don’t swerve to avoid hitting a deer.

The Michigan Department of Transportation provides real-time traffic maps, cameras through downloadable apps and through its website at mdotnetpublic.state.mi.us/drive/.

Unique Laws in Lansing

Lansing City Council in 2017 passed a medical marijuana ordinance capping commercial dispensaries at 25, and requiring those establishments to hold a license. The new ordinance also requires licenses for marijuana growing, transporting and processing.

Outdated Michigan laws prohibit cursing in front of women and children, though it is unknown whether women and children can be charged if they are the guilty party. The laws also state that the Star Spangled Banner must be performed as an “entire and separate composition without embellishments,” thus any medleys involving the National Anthem are out. Thankfully, the Michigan code continues to be enforced regarding duels, which are basically a gunfight between disagreeing parties. Michigan residents also may not scalp steamboat tickets or put deformed humans on exhibit except for scientific and medical purposes.

Lansing Crime Statistics

Data compiled by the Federal Bureau of Investigation for 2016 shows 1,341 violent crimes in Lansing, nine of which were murder or manslaughter. The local violent crime rate is 1,164 offenses per 100,000 residents – more than three times the national average of 386 offenses per 100,000 people.

The property crime rate in Lansing was 2,886 offenses per 100,000 residents, also above the U.S. average of 2,451 incidents per 100,000 residents. Within the city, 375 vehicles were stolen in 2016, FBI data shows, a rate of 325 incidents per 100,000 residents. The national average is 236 incidents per 100,000 people.

Lansing Safety Requirements

Michigan has a “primary” seat belt law, which means law enforcement can stop and ticket motorists solely for not buckling up. State law also requires children younger than 4 be secured in an approved safety seat. After age 4, they must be in a booster seat until age 8 or until they are 4 feet, 9 inches tall. Everyone else in the car must wear seat belts unless they are at least 16 years of age and riding in the back seat. A rear-facing car seat can be installed in a front seat only if there is no rear seat or the rear seat is occupied by children under four, and the airbag for that seat is turned off, according to the Michigan State Police. Since 2010, texting and driving have been prohibited statewide, and lawmakers are currently debating a bill banning cellphone use while driving, though there are no current bans against it.

Lansing Impaired Driving Laws

Drivers with a blood alcohol concentration of .08 or higher are charged with driving OWI, or Operating While Intoxicated, in Michigan, which also has an OWVI, or Operating While Visibly Impaired, law for drivers who are under .08 but are obviously impaired. Charges are enhanced if a driver’s BAC is .17 or more. The BAC drops to .02 for those under 21. First offenders face up to 93 days in jail, plus fines, license suspension for 30 days and a possible ignition interlock device, which is not cheap either. For those with an enhanced charge for high BAC, it’s up to 180 days in jail, higher fines and up to 360 hours of community service for a first offense. No matter what you circumstances, we can help find cheap car insurance rates in Lansing.

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Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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