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Cheap Car Insurance in Warren, Michigan

Find cheap car insurance in Warren, Michigan, Detroit’s largest suburb with its own individual history. Located in Macomb County, Warren is the third largest city in Michigan with an estimated 134,056 residents in 2016. The largest employers are General Motors, U.S. Army Tank-Automotive and Armaments Command, Chrysler and St. John Macomb Hospital.

The tiny city of Center Line is completely enclosed within Warren, since it was already established when Warren incorporated in 1957. Warren may be best known by fans of Eminen; the rapper and music producer, whose real name is Marshall Mathers, went to Lincoln High School here in the late 1980s.

Driving Conditions in Warren

Interstate 696, known as the Walter P. Reuther Freeway, bisects Warren, running west to connect with Interstate 75 that takes drivers 10 miles south to Detroit. The average commute time for Warren is 21.8 minutes, shorter than the U.S. average of 26 minutes, 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 Warren

Outdated Michigan laws prohibit cursing in front of women and children, though it is unknown whether women and children can be charged if they are the guilty party.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

Warren Crime Statistics

Higher-than-average crime rates have been blamed for recent population decreases in Warren. FBI statistics compiled for 2016 show 691 violent crimes in Warren, the majority, or 442, of which were aggravated assaults. Six were murder or manslaughter and the rest were rape or robbery.

The Warren violent crime rate of 509 incidents per 100,000 people is higher than the national average of 386 per 100,000. The property crime rate in Warren was 2,596 offenses per 100,000 residents, slightly above the U.S. average of 2,451 per 100,000. Auto theft is a large part of those figures. Within the city, 512 vehicles were stolen in 2016, FBI data shows, a rate of 377 per 100,000 residents. The national average is 220 incidents per 100,000 people.

Warren 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.

Warren 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 auto insurance rates in Warren.

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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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