Holt, MI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Holt, MI, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors Influencing Cost of Car Insurance in Holt, MI
The average cost of car insurance in Holt, MI, $2,782. This cost is lower than nearby locations like Mason and Dimondale but higher than other nearby locations like Aurelius, Windsor charter, and Delhi charter. Zimlon, through its research, identified some factors that influence the cost of car insurance in Holt, MI, and makes insurance expensive for the residents.
Location:
The neighborhood one lives in Holt; MI, can significantly influence the cost of car insurance. The vehicle’s make and model, rate of auto thefts in the neighborhood, and the driver’s age can increase or reduce the insurance costs within the city. Zimlon offers the service of finding accurate insurance quotes using one’s precise zip code.
Age of the Driver:
Car owners in Holt, MI, can make auto insurance less expensive by comparing different policies and opting for various discounts offered by insurance companies for different age groups. Zimlon’s analysis found that teenagers usually pay much higher costs of car insurance in Holt, MI. This is mainly because insurance companies consider teenagers to be less responsible drivers than middle-aged or older drivers.
For example, the cost of car insurance for teenagers in Holt, MI, is $9,027, whereas, for a 20-year old driver, insurance cost reduces to $3,575. The cost of car insurance for drivers between the age of 30 to 50 years further reduces to less than $3000 in Holt, MI.
Multi-Car Insurance:
Auto Insurance companies in Holt, MI, offer attractive discounts on multi-car insurance policies and bundling. Car owners in Holt, MI, can lower insurance costs by purchasing their life, auto, and home insurance from the same insurance company. According to Zimlon’s analysis, by insuring two cars together, Holt, MI residents can save $779. Insuring three or four cars with the same insurer can help save $1,168 and $1,558, respectively.
Credit Score:
Car owners in Holt, MI, can also make car insurance less expensive by maintaining positive credit scores. Several auto insurance companies provide considerable discounts to car owners with a higher positive credit score and a clean driving history. Zimlon’s research found that car owners with a “good” credit score of 670-739 will have to pay $2,899. Whereas, for a “poor” credit score of 300-579 cost of car insurance in Holt, MI, can get as high as $4,538.
Factors that can influence the cost of car insurance in Holt, MI are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Holt, MI Auto Insurance Rates
- Holt, MI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Holt, MI
- Multi Vehicle Insurance Savings in Holt, MI
- How Credit Score Affects Car Insurance Rates in Holt, MI
- How DUI Affects Auto Insurance Premiums in Holt, MI
- Top Auto Insurance Agents Near Holt, MI
- How Driving Violations Affect Auto Insurance Rates in Holt, MI
- Holt, MI Auto Insurance Discounts on Anti Theft Feature
- Holt, MI Auto Insurance Company Reviews
Holt, MI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Holt, MI with that of other cities in and around Holt.
| Holt | Aurelius | Windsor charter | Mason | Delhi charter | Dimondale | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,782 | $2,843 | $2,799 | $2,718 | $2,784 | $2,776 |
Holt, MI Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Holt, MI based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Holt | $941 | $795 |
| Delhi charter | $1,070 | $904 |
| Lansing | $1,402 | $1,184 |
| Alaiedon | $2,961 | $2,501 |
| Dimondale | $1,342 | $1,134 |
| Aurelius | $2,240 | $1,892 |
| Mason | $1,397 | $1,180 |
| Windsor charter | $1,110 | $938 |
Holt, MI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Holt, MI usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $9,027 |
| 20 Years | $3,575 |
| 30 Years | $2,753 |
| 40 Years | $2,649 |
| 50 Years | $2,453 |
| 60 Years | $2,487 |
| 70 Years | $2,895 |
Holt, MI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Holt, MI can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $4,785 | $779 |
| 3 Vehicles | $7,178 | $1,168 |
| 4 Vehicles | $9,570 | $1,558 |
Savings on 2 Vehicles bundle:$779
Savings on 3 Vehicles bundle:$1,168
Savings on 4 Vehicles bundle:$1,558
Holt, MI Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Holt, MI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Holt | $2,782 | $6,931 |
| Delhi charter | $2,784 | $6,936 |
| Lansing | $1,953 | $4,865 |
| Alaiedon | $2,875 | $7,162 |
| Dimondale | $2,776 | $6,916 |
| Aurelius | $2,843 | $7,082 |
| Mason | $2,718 | $6,771 |
| Windsor charter | $2,799 | $6,973 |
Holt, MI Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $2,387 |
| Excellent (740-799) | $2,725 |
| Good (670-739) | $2,899 |
| Average (580-669) | $3,782 |
| Poor (300-579) | $4,538 |
Holt, MI Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Daniels Insurance Agency Inc | Liberty Mutual Independent | 300 North Linam, Hobbs, 88240 | None |
| Trinesha Goebel | State Farm | 708 S Cedar St, Mason, 48854-1585 | 517-676-4500 |
| Cliff Hart | Allstate | 301 E Grand River Ave, Williamston, 48895 | (517) 655-5411 |
| Hartland Insurance Agency | None | 7785 M36 7785 M36 Hamburg, Hartland, 48353 | None |
| Ann Arbor Insurance Associates Llc | Liberty Mutual Independent | 1925 PAULINE BLVD STE D, ANN ARBOR, 48103 | (734) 327-9222 |
| Michael Barrett | Allstate | 2649 Plymouth Rd, Ann Arbor, 48105 | (734) 747-6008 |
| Cindy Strang | State Farm | 7955 Ann Arbor St, Dexter, 48130-1337 | 734-426-2344 |
| Dan Demartin | State Farm | 2515 E Jolly Road, Lansing, 48910-8544 | 517-393-4411 |
| Clifton Hart | Allstate | 129 W Lake St Ste 3, South Lyon, 48178 | (248) 437-1122 |
| Aaron Stevens | Liberty Mutual | 760 W. Eisenhower Pkwy Ste 100, Ann Arbor, 48103 | 1-734-222-1742 |
| Vincent Ellis | Farmers | 7927 Nemco Way Ste 205, Brighton, 48116 | (586) 569-9077 |
| Vincent Ellis | Farmers | 7927 Nemco Way Ste 205, Brighton, 48116 | (586) 569-9077 |
Holt, MI Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$122 | $2,904 |
| Driver's Failure In Showing Documents | +$270 | $3,052 |
| Driving With An Expired Registration | +$287 | $3,069 |
| Driving At A Considerably Slow Pace | +$604 | $3,386 |
| Using A Cellphone While Driving | +$637 | $3,419 |
| Running A Red Light | +$648 | $3,430 |
| Speeding | +$682 | $3,464 |
| Driving A Vehicle Without The Required Permission | +$865 | $3,647 |
| Driving With An Expired/Suspended License | +$1,875 | $4,657 |
Holt, MI Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $2,671 |
| Active Disabling Device | $2,671 |
| Tracking Device | $2,615 |
| Passive Disabling Device | $2,587 |
Latest Auto Insurance Reviews in Holt, MI | Back to Top
ProgressiveI have been with them since February 2018 and already have had my rates raised even though my husband and I have perfect driving records and no claims against us.