Auto quotes michigan: Car insurance costs vary widely by ZIP code, gender, regardless of driving record

Several insurers are turning to more individualized systems to set auto insurance prices. With names like Snapshot, SmartRide and RightTrack, these “telematic” systems use a transponder in a car or an app on a phone to see how customers actually drive. A lot of miles with hard braking, left turns and speeding on crowded highways could result in a higher premium, while safe and smooth driving can result in a lowered rate.

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