The Average Cost of Car Insurance in Norton Shores, MI, is $2,707

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A car owner in Norton Shores, MI, pays an average car insurance cost of $2,707. This cost is higher than nearby locations like Muskegon Heights but lower than other nearby places like Fruitport, Fruitport charter, North Muskegon, and Ferrysburg. Various factors like make and model of the car, location, age of the driver, and credit scores can make car insurance costs expensive in Norton Shores, MI. These factors are explored in detail below by Zimlon. 

Location:

The neighborhood one lives in Norton Shores, MI, influences the cost of car insurance. Depending on several factors like the vehicle’s make and model and the rate of auto thefts in the neighborhood, the price can vary. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes from multiple auto insurance companies. 

Age of the Driver: 

According to Zimlon’s analysis, middle-aged drivers in Norton Shores, MI, pay much less car insurance than teenagers. The average cost of car insurance for teenagers in Norton Shores, MI, is $8,784, whereas drivers between the age of 30 to 60 years pay less than $3000. This difference is because young drivers are generally considered less responsible behind the wheel by insurance companies. Therefore, middle-aged drivers are likely to pay lower car insurance premiums since they are considered safer drivers by insurance companies.

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Deductibles: 

This is one of the most common factors influencing the cost of car insurance in Norton Shores, MI. A low deductible ($500) usually increases the cost of auto insurance, whereas a high deductible ($1,000) lowers it. According to Zimlon’s research, the average cost of auto insurance in Norton Shores, MI, on a deductible of $500 is $1,494. This cost will decrease to $1,262 when the deductible is $1,000.  

Multi-Car Insurance: 

Car owners in Norton Shores, MI, can obtain discounts and make car insurance less expensive by insuring multiple vehicles with the same insurance company. Bundling is another way of increasing your savings. Car owners can also opt to insure their life, auto, and home insurance with the same insurer to get added benefits. Zimlon’s research found that car owners in Norton Shores, MI, can save $650 by opting to insure two cars together. Insuring three or four cars would further help Norton Shores, MI, residents save $975 and $1,299, respectively.