"One of the biggest issues that many Americans have faced in the last few years is that their auto insurance rates might seem more than a little high. However, it's important to note that these can fluctuate considerably based on where the policyholder lives, among a number of other factors. As such, many states and city governments have tried to correct this issue. With this in mind, it's important for many auto insurance agents to make sure they're doing the necessary outreach that helps people understand why they pay what they do for coverage. One area that consistently ranks as having some of the highest auto insurance premiums in the country is Detroit, and now, the city seems to be turning its attentions to dealing with the issue head-on, according to a report from local radio station WDET. Mayor Mike Duggan recently devoted a healthy portion of his annual State of the City address to the costs Detroiters face when it comes to auto coverage. What can be done? To fix this problem, the city is apparently planning to launch its own insurance company as a means of helping locals - many of whom don't drive specifically because of the cost - to find more affordable coverage, the report said. Currently, many residents also drive simply without the insurance coverage, but run a major risk for doing so. ""When I moved from the suburbs to Detroit two years ago, our car insurance went from $3,000 to $6,000,"" Duggan said, according to the station. ""We moved less than 15 miles. It is not justified. The Detroit City Charter provides that the city of Detroit can start its own insurance company. We have to do a joint feasibility study - between the city council and myself - and so we're putting together a team to move on this quickly. We're going to start our own insurance company that we call 'D-Insurance.'"" Insurance agents might generally find that consumers sometimes have questions about their policies, and specifically the prices they pay for them. However, experts usually agree that as long as agents can simply and efficiently answer all concerns they might have, that's usually enough to retain people. Overall, it seems that high-quality customer service often makes consumers view their coverage as being more worth the money they pay for it. Consequently, those agents who devote the most time to improving relationships might also find themselves in the best position to succeed going forward."