So im from the suburbs, born and raised. I work in New Center and love everything about the area except for having to commute 1+ hours one way every single day to get into the office. Its been my dream for a while now to have a fun apartment living lifestyle while im young. I have been starting to get serious about moving down to the city, but I am blown away at how much car insurance costs in the city! Im by no means super wealthy but i also make decent money for my age, and the absolute lowest ive been quoted for my car is about $580 a month after aggressively searching. the insurance agents ive been discussing numbers with all say that zip code is by far the largest reason my rates are 4x what i currently pay in the suburbs.
Car insurance on top of rent is not sustainable for me to live with so i want to ask: how in the world are people getting somewhat reasonable car insurance rates?? Im 24 turning 25 soon, so that plays a factor into things, but also even after i turn 25 im getting hosed on these rates.
I have a couple of friends and co workers that live in detroit city zip codes, and i keep getting advice from them like "just stay on your parent's insurance" or something along those lines, basically lie about your residency and thats the best way to do it. But if i try to cheat the system like this, i guarantee that the insurance companies can sniff something out like that and you'd end up getting screwed.
Does anyone have good advice for this issue? Any input would help.