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Cheap Car Insurance in Sterling Heights, Michigan

Find cheap car insurance in Sterling Heights, Michigan, a Detroit suburb often described as a stable, safe and diverse community. Located within Macomb County, Sterling Heights is home to an estimated 132,523 residents and the second largest suburb in the Detroit metro. Before it incorporated in 1968, Sterling Heights was a rural area where farmers grew rhubarb and other crops to sell in Detroit.

Frequently making “safest city” and “family friendly” rankings, Sterling Heights was the only city with more than 100,000 population in Michigan to experience a population increase in the 2000-2010 census.

Driving Conditions in Sterling Heights

Sterling Heights is 16 miles from downtown Detroit. Streets within Sterling Heights are an orderly grid pattern with the intersection of two major highways, M-53, also called Van Dyke Avenue, and M-59, known as Hall Road. To the south is Interstate 696, also known as the Walter P. Reuther Freeway. The average commute time for Sterling Heights is just under 25 minutes, about a minute shorter than the national average, according to Census Bureau data.

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, since this does more harm than good.

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 Sterling Heights

Outdated Michigan laws prohibit cursing in front of women and children, though it is unknown whether women and children can be charged if they are the guilty party.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.

Sterling Heights Crime Statistics

The most recent crime data available suggests Sterling Heights is much safer than the average U.S. city.

FBI statistics compiled for 2016 show 242 violent crimes in Sterling Heights, only one of which was murder. The local violent crime rate of 183 offenses per 100,000 residents is well below the national average of 386 per 100,000. The property crime rate in Sterling Heights was 1,141 per 100,000 residents, also below the U.S. average, which is 2,451 crimes per 100,000 people.

Within the city, 115 vehicles were stolen in 2016, FBI data shows, a rate of 86 per 100,000 residents. The national average for 2016 was 236 incidents per 100,000 people.

Sterling Heights Safety Requirements

Michigan law 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.

Sterling Heights 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 Sterling Heights.

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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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