Otto, MI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Otto, 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.
Ways to Save Money on Auto Insurance in Otto, MI
Have you ever wondered why car insurance costs differ from person to person? It is because of multiple reasons. The research team of Zimlon has explored all the reasons in detail. In Otto, MI, the average cost of insurance is $2,648. It is lower than other neighboring cities like Rothbury ($2,663), New Era ($2,671), Blue Lake($2,771), Shelby ($2,662), and Ferry ($2,651).
Car insurance providers follow their methods to determine the cost of car insurance in Otto, MI. Most car owners fail to understand a few ways to lower their car insurance premiums. Here are a few tips to reduce your auto insurance rates in Otto, MI.
a. By obeying driving regulations
Car owners can avoid a hike in their car insurance rates by obeying driving regulations and maintaining a clean driving record. Otto car owners with a history of speeding tickets, accidents, running a red light, or DUIs have to pay more expensive premiums on car insurance as insurance providers consider them as high-risk drivers.
The severity of the driving violation will decide the cost of insurance. For instance, car drivers penalized for driving without headlights or using a phone while driving have to pay +$117 and +$606 extra on the total cost insurance.
Refer to the graph below to understand the car insurance rates per driving violation.
b. By maintaining clean claims history
Otto car insurance providers offer substantial offers with zero claims history. Insurance providers do not desire to pay claims. The one with claims for at-fault accidents, car insurance providers view them as high-risk drivers. Due to this, they charge a higher premium with more than one or two claims.
c. By availing multi-car discounts
Multi-car discounts are one of the best ways to save money on your auto insurance. Adding more vehicles to your policy with the same provider can get you a multi-car discount. It means policyholders can save on Otto car insurance.
Generally, in Otto, MI, car owners pay $4,660 on two vehicles and $6,991 on three vehicles. Here they can save up to $636 and $953, respectively, on car insurance rates.
Factors that can influence the cost of car insurance in Otto, 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.
- Otto, MI Auto Insurance Rates
- Otto, MI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Otto, MI
- Multi Vehicle Insurance Savings in Otto, MI
- How Credit Score Affects Car Insurance Rates in Otto, MI
- How DUI Affects Auto Insurance Premiums in Otto, MI
- Top Auto Insurance Agents Near Otto, MI
- How Driving Violations Affect Auto Insurance Rates in Otto, MI
- Otto, MI Auto Insurance Discounts on Anti Theft Feature
Otto, MI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Otto, MI with that of other cities in and around Otto.
| Otto | Rothbury | New Era | Blue Lake | Shelby | Ferry | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,648 | $2,663 | $2,671 | $2,771 | $2,662 | $2,651 |
Otto, 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 Otto, 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) |
|---|---|---|
| Otto | $1,480 | $1,250 |
| Blue Lake | $1,445 | $1,221 |
| Rothbury | $2,128 | $1,797 |
| Ferry | $1,299 | $1,097 |
| New Era | $1,804 | $1,523 |
| Holton | $2,759 | $2,331 |
| Newfield | $1,447 | $1,222 |
| Shelby | $1,687 | $1,425 |
Otto, MI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Otto, 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 | $8,592 |
| 20 Years | $3,402 |
| 30 Years | $2,621 |
| 40 Years | $2,521 |
| 50 Years | $2,335 |
| 60 Years | $2,367 |
| 70 Years | $2,756 |
Otto, MI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Otto, 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 | $4,660 | $636 |
| 3 Vehicles | $6,991 | $953 |
| 4 Vehicles | $9,321 | $1,271 |
Savings on 2 Vehicles bundle:$636
Savings on 3 Vehicles bundle:$953
Savings on 4 Vehicles bundle:$1,271
Otto, 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 Otto, MI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Otto | $2,648 | $6,597 |
| Blue Lake | $2,771 | $6,903 |
| Rothbury | $2,663 | $6,634 |
| Ferry | $2,651 | $6,604 |
| New Era | $2,671 | $6,654 |
| Holton | $2,679 | $6,674 |
| Newfield | $2,638 | $6,572 |
| Shelby | $2,662 | $6,632 |
Otto, 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) | $2,272 |
| Excellent (740-799) | $2,593 |
| Good (670-739) | $2,759 |
| Average (580-669) | $3,600 |
| Poor (300-579) | $4,319 |
Otto, 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 |
|---|---|---|---|
| Nolan Insurance Agency | None | 1210 Logan Avenue, Muskegon, 49445 | None |
| Brenda Bouwman | State Farm | 704 E Apple Ave, Muskegon, 49442-3648 | 231-722-1189 |
| Doug Jurgens | State Farm | 3942 30th St SW, Grandville, 49418-1605 | 616-531-8561 |
| Laurel Beukelman | State Farm | 324 N 120th Ave Ste 10, Holland, 49424-3312 | 616-392-1114 |
| Timothy Matchinsky | Allstate | 70 E Lakewood Blvd Ste 20, Holland, 49424 | (616) 446-3222 |
| Wilk & Son Insurance Agency | None | K-Mart Plaza 1477 Apple Ave, Muskegon, 49442 | None |
| Wilk & Son Insurance Agency | None | K-Mart Plaza 1477 Apple Ave, Muskegon, 49442 | None |
| Keith Alexis | State Farm | 2135 Plainfield Ave NE, Grand Rapids, 49505-4203 | 616-784-3108 |
| Kevin Curtis | State Farm | 4761 Lake Mich Dr NW Ste E, Grand Rapids, 49534-6300 | 616-453-FARM |
| Ottawa Kent | None | 7472 Main St Po Box 349 Jenison, Georgetown Twp, 49428 | (616) 217-4376 |
Otto, 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 | +$117 | $2,765 |
| Driver's Failure In Showing Documents | +$257 | $2,905 |
| Driving With An Expired Registration | +$273 | $2,921 |
| Driving At A Considerably Slow Pace | +$575 | $3,223 |
| Using A Cellphone While Driving | +$606 | $3,254 |
| Running A Red Light | +$617 | $3,265 |
| Speeding | +$649 | $3,297 |
| Driving A Vehicle Without The Required Permission | +$824 | $3,472 |
| Driving With An Expired/Suspended License | +$1,785 | $4,433 |
Otto, 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 | $2,542 |
| Active Disabling Device | $2,542 |
| Tracking Device | $2,489 |
| Passive Disabling Device | $2,463 |