Consumer Tested Strategies for Finding Low-Cost Kentwood, MI Car Insurance

Beginners to shopping for insurance online might discover buying cut-rate Kentwood car insurance very challenging.

Finding the best rates in Kentwood is not rocket science. Basically, anyone who is shopping for car insurance stands a good chance to be able to cut their insurance bill. But Michigan car owners should learn how big insurance companies price online insurance and use this information to your advantage.

Vehicle Insurance Comparison

Most major insurance companies allow you to get price estimates online. This process doesn’t take a lot of time as you just enter your coverage preferences as requested by the quote form. Upon sending the form, their rating system will obtain information on your driving record and credit history and generates a price.

This simplifies rate comparisons, but the process of having to visit different websites and fill out multiple forms is monotonous and tiresome. But it’s very important to compare as many rates as possible if you want to find the lowest price.

There is an easier way!

A quicker way to lower your car insurance bill utilizes a single form to get prices from a lot of companies. It’s a real time-saver, eliminates form submissions, and makes online price comparison a lot less work. Immediately after you send the form, it gets priced and you can choose any or none of the quote results. If the quotes result in lower rates, you can click and sign and purchase coverage. It can be completed in a matter of minutes and you’ll know if lower rates are available.

To fill out one form to compare multiple rates now, simply click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you enter your coverages exactly as they are listed on your policy. Using the same limits helps guarantee you will receive comparison quotes for the exact same coverage.

Discounts are great for lower rates

Car insurance companies don’t always advertise every available discount in a way that’s easy to find, so here is a list some of the more common as well as the least known ways to save on car insurance image

  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts could cut 10% or more off your PIP or medical payments premium.
  • Discount for Good Grades – This discount can save 20 to 25%. The good student discount can last well after school through age 25.
  • Discount for Swiching Early – Some companies give discounts for buying a policy before your current policy expires. The savings is around 10%.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • Senior Citizens – If you’re over the age of 55, you may be able to get reduced rates.
  • Multiple Policy Discount – When you have multiple policies with the same company you may save approximately 10% to 15%.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less than less cautious drivers.

Keep in mind that some credits don’t apply to the entire cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you could get a free car insurance policy, car insurance companies aren’t that generous.

For a list of insurance companies who offer car insurance discounts in Michigan, click this link.

Decisions you make can impact your rates

It’s important that you understand the factors that come into play when calculating car insurance rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that can help you get better car insurance rates.

  • A lapse in coverage is a bad thing – Not having insurance is illegal and you will pay a penalty because you let your insurance lapse. And not only will your rates increase, but being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license.Then you may be required to provide proof of insurance in the form of an SR-22 filing with the Michigan DMV.
  • Rates may be higher depending on your occupation – Occupations such as doctors, business owners and financial analysts are shown to have higher average rates attributed to stressful work requirements and lots of time spent at work. Conversely, jobs such as pilots, engineers and the unemployed pay the least.
  • Don’t buy coverages you don’t need – There are quite a few extra bells and whistles that you can buy on your car insurance policy. Coverages for vanishing deductibles, towing coverage and additional equipment coverage are examples of these. These coverages may sound good at first, but now you might not need them so eliminate them to save money.
  • Poor credit can mean higher rates – Your credit score is a large factor in determining your rates. People with excellent credit tend to be more responsible as compared to drivers with lower credit scores. If your credit history is low, you could save money insuring your by repairing your credit.
  • How your age affects price – Older drivers are more cautious drivers, file fewer claims and tend to be better behind the wheel. Young drivers have a tendency to be careless and easily distracted behind the wheel and because of this, their car insurance rates are much higher.

Online quotes with a local Kentwood insurance agent

Certain consumers prefer to visit with an insurance agent and that is OK! One of the best bonuses of comparing insurance prices online is you can get better rates and still have an agent to talk to.

Once you complete this short form, your coverage information is submitted to local insurance agents in Kentwood who will battle for your business. There is no reason to even leave your home since price quotes are sent immediately to your email address. How’s that for easy! You can find better rates and an insurance agent to talk to.

Deciding on an insurer needs to be determined by more than just the premium amount. Any agent should be forthright in answering these questions:

  • Are they able to influence company decisions when a claim is filed?
  • Which insurance companies are they affiliated with?
  • Who are their largest clients?
  • How many years of experience in personal lines insurance coverages do they have?
  • Are they full-time agents?
  • Are there any discounts that you might be missing?
  • Which members of your family are coverage by the policy?

Listed below is a short list of car insurance companies in Kentwood that can give you comparison quotes.

  • Liberty Mutual Insurance – 2450 44th St SE # 308, Kentwood, MI 49512 – (616) 455-1700
  • State Farm Insurance – 5366 Eastern Ave SE, Kentwood, MI 49508 – (616) 532-6071
  • Andy Steensma Agency Inc – 5300 Kalamazoo Ave SE, Kentwood, MI 49508 – (616) 455-6200
  • Michigan Insurance Brokers Inc – 2923 28th St SE, Kentwood, MI 49512 – (616) 975-1901
  • Farm Bureau Insurance – 1486 44th St SE # 200, Kentwood, MI 49508 – (616) 532-2880
  • Allstate Insurance – 1759 44th St SE, Kentwood, MI 49508 – (616) 455-3100
  • Liberty Mutual Insurance – 2450 44th St SE # 308, Kentwood, MI 49512 – (616) 455-1700
  • Farmers Insurance Group – 4160 44th St SE, Kentwood, MI 49512 – (616) 554-0303

To view a complete directory of licensed insurance agents in Kentwood, visit this link.

After receiving acceptable answers and a low price estimate, you have narrowed it down to an provider that will properly service your car insurance policy.

save money concept

More detailed Michigan car insurance information is located at the Michigan Office of Financial and Insurance Regulation website. Visitors are able to find a variety of consumer forms, get help finding coverage, and file complaints about a company.

A tidy conclusion

Insureds change insurance companies for many reasons like delays in responding to claim requests, high prices, lack of trust in their agent and an unsatisfactory settlement offer. Regardless of your reason, switching companies is actually quite simple.

The cheapest car insurance is available on the web as well as from independent agents in Kentwood, so you should be comparing quotes from both so you have a total pricing picture. A few companies don’t offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

Throughout this article, we presented quite a bit of information on how to reduce car insurance prices online. It’s most important to understand that the more times you quote, the better your comparison will be. Consumers may even find the best prices are with some of the smallest insurance companies.