Grand Rapids Car Insurance
Grand Rapids, Michigan, a relatively small town of only 195,000 people, boasts an equally small commute time of only 19 minutes. This is a full 7 minutes lower than the national average, and part of why Grand Rapids residents love their town. Big city residents of Detroit, the 11th most congested city in the entire country, come to Grand Rapids and Ann Arbor for a break from traffic madness.
In a two year period, there were only 27 fatalities due to car accidents, a number well below the national average. The hazards of traffic congestion have hit Grand Rapids with less force than neighboring Detroit, but some of the implications, like car insurance rates, affect Grand Rapids just as hard. Michigan is ranked 7th in the nation in terms of having the highest car insurance rates. Of the more than 7 million licensed drivers in Michigan, the average cost of auto insurance is about $2,575.
Protect Your Car and Save on Auto Insurance
But you don't have to worry; there are things you can do to help lower your car insurance rates. Here are just a few of them:
- Follow traffic laws carefully. Keeping the number of tickets you incur to a minimum conveys to your insurance provider that you are a safe driver and therefore a 'good risk' for auto insurance.
- Avoid accidents. Multiple fender benders look worse on your record than one big accident because of the cost of the multiple claims. Being extra vigilant in terms of safety is one way that you can lower your car insurance rates.
- Maintain a good credit rating. Just like almost every other major purchase or loan, your credit rating will come to bear on the terms of the contract. This applies to your car insurance, too. The higher your rating, the lower your premiums.
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Protecting your car is another way to lower your car insurance rates. Simply choosing to park in a parking garage instead of on the street or choosing a personal garage over the driveway shows the auto insurance adjuster that you care about your car enough to keep it from harm – and keep them from paying out excessive amounts in car insurance claims.
In 2004, the residents of Grand Rapids suffered 1,872 vehicle thefts. This ranks them 259th in terms of number of car thefts in cities across the country; every year their ranking improves. However, choosing a car with less expensive theft claims, like the Saab 9-5 four-door or the Pontiac Montana will help you lower your car insurance premiums.
No matter which type of car you purchase, it is the car insurance provider you choose that will ultimately affect your auto insurance rates the most. Choosing a reputable provider will protect your investment in your car far better than all the other precautionary measures combined.
Read about auto insurance requirements in Michigan >>
Get a FREE auto insurance quote from one of our trusted partners who cover residents in Grand Rapids, MI:  ComparisonMarket
ComparisonMarket provides consumers with real choice and savings in auto insurance. By using the only technology that enables real-time comparative quoting on a nationwide basis, ComparisonMarket offers complete insurance and financial services, allowing consumers to make easy comparisons, receive accurate quotes over the Internet or by phone, make an informed choice, and save money.
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 Esurance
Esurance offers a full set of insurance policies, providing their customers with many product choices. The company consistently lives up to high ideals, providing quality policies and excellent customer service. Esurance allows you to compare their quotes against quotes from other companies, so you can get the best coverage for the best price. After you get a quote, you can actually purchase a policy, pay for it, and print out a temporary insurance card, all within minutes.
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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.
Last Updated: February 14, 2008
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