Purchasing car insurance in Grand Rapids could be one of the best decisions you ever make. Auto insurance protects you financially so that in the event of a car accident, the insurance company pays for the cost of repairs and medical expenses.
Without this vital coverage, you would be left paying the cost out of pocket. But finding the right coverage can sometimes be a challenge. With the help of online insurance quotes; however, you can quickly and easily find the insurance policy you need within minutes.
Shopping online for Grand Rapids car insurance allows drivers to compare different coverage types from multiple companies to help them pay the lowest possible rates for the most coverage available. You won’t know if you’re paying too much on your current policy unless shop and compare. Enter your zip code in the box above and you’ll receive Grand Rapids auto insurance quotes instantly right on your screen.
Car Insurance Agents in Grand Rapids
When you receive your online quotes for auto insurance in Grand Rapids, there is also comfort in knowing that local area agents are also available to help you evaluate and find the best coverage for your needs. Grand Rapids auto insurance agents can answer all your questions and often find additional discounts not available when you’re dealing with an insurance company directly.
Sometimes it’s nice to meet with a real live person as well. That’s why we’ve compiled the following resource links below so you can find agents representing some of the nation’s top insurance carriers right in your local community.
There are 12 Allstate Insurance agents providing auto insurance in Grand Rapids, Grandville, Bryon Center, Caledonia, Wyoming and Jenison.
Farmers Insurance offers 50 agents in the local Grand Rapids area including agents that can assist clients in Spanish, Polish, Korean and American Sign Language.
Progressive Insurance maintains a team of 32 agents in Grand Rapids, Michigan.
State Farm agents have 50 office locations in Grand Rapids and the neighboring cities of Comstock Park, Wyoming, Grandville, Walker, Kentwood, Jenison, Rockford, Ada, Bryon Center, Hudsonville, Sparta, Allendale, Caledonia, Coopersville, Lowell and Middleville.
Can’t find your agency in our insurance resource listing, just let us know by emailing us. Individual agent listings are only available in our paid feature section.
Grand Rapids Car Insurance Rates
At $1,950 per year, Michigan insurance premiums are pretty much on par with the national average of $1,998 according to CarInsurance.com. But area drivers benefit from lower rates since Grand Rapids car insurance rates are much lower averaging $1,670 or 16 percent less than the average US car insurancepremiums.
Because rates and coverage terms can change from year to year, it is important for drivers to accept quotes on their auto insurance in Grand Rapids at renewal time each year. Taking the time to shop for quotes will ensure that you are receiving the best possible rates available in your area.
Driving in Grand Rapids
While Grand Rapids has a population of 188,000, the greater metropolitan area includes the populations of Muskegon and Holland making the total population size closer to 1.3 million people. Grand Rapids also serves as county seat for Kent County and is considered the 2nd largest city in the state.
The city has earned the reputation as the furniture capital of the area with major office furniture corporations maintaining headquarters in the city along with major health care, aviation, automotive and consumer manufacturing companies at home there as well. Several major highways and interstates run through this west Michigan city, and the traffic can cause significant delays for commuters.
Many residents find carpooling and public transit good alternatives to driving in the city especially during peak driving times.
The Inrix.com 2011 National Traffic Scorecard pretty much confirms that the Grand Rapids metro area faces heavy traffic congestion. INRIX ranked the city as 64th out of 100 cities for most congestion. The 2011 Best Drivers Report by Allstate also ranked Grand Rapids as 79 out of 200 cities for best drivers meaning that the likelihood of experiencing a traffic accident while traveling through the city is only 4.5 percent.
Grand Rapids is located in Kent County, and the County didn’t fare as well in the Traffic Safety Report of 2006 to 2010 produced by the National Highway Traffic Safety Administration. In 2010, Kent County ranked 2nd out of all Michigan counties for traffic fatalities. In that year, there were 63 traffic related deaths with 38 of those single vehicle crashes and 17 involving alcohol or drug impaired drivers.
For current traffic conditions in Grand Rapids and other large cities in the state, the Michigan Department of Transportation hosts a website where area residents and visitors can obtain up-to-date traffic information such as road closures, construction zones and traffic incidents.
Michigan Auto Insurance Laws
Michigan auto insurance laws are fairly strict and very specific about their requirements for having car insurance. Uninsured drivers face heavy fines and penalties including driver’s license confiscation and car registration suspension.
Car insurance laws in Michigan are considered “no fault” meaning that any car accident injuries or damage will be covered by the auto insurance policy no matter who is at fault for the accident. The only caveat is that the “no fault” portion of the Michigan auto insurance laws do not apply to collision coverage.
Grand Rapids Car Insurance Quotes
Because online Grand Rapids car insurance quotes are so easy to obtain, you’ll be able to compare rates and coverage at a time that is most convenient for your schedule – all from the comfort of your home or office. Whether you only need liability coverage or full auto insurance with comprehensive and collision coverage, our system takes care of supplying all the data you need to make an informed decision about which policy is best for your needs. After comparing and reviewing the quotes, you’ll even be able to save time by purchasing the policy you select right online.