Otto Auto Insurance Rates, Quotes, Agents & Reviews in MI

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.

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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 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