What You Need to Know about Portage Insurance Quotes

Michigan's state motto, "If you seek a pleasant peninsula, look around you" might as well be describing Portage. Its nine lakes and extensive trail system makes Portage the perfect place for those who love the outdoors. When its time to get off the trails, and put away the bike and jump in your car, it's important to make sure you have the proper insurance coverage. Finding Portage insurance quotes is easy, there are hundreds of companies waiting to sell you insurance, but wading through the choices can be as difficult as deciding which Portage lake is best for a canoe trip. NetQuote can help you narrow down your options and find the ideal coverage.

Protect Your Car

Portage insurance minimums are the same as the rest of Michigan. Drivers must carry $20,000/$40,000 for bodily injury liability as well as $10,000 for property damage. While these minimums are required by law, they don't provide the coverage that most people need. It is a good idea to sit down and realistically assess your insurance needs and upgrade your policies to match those needs. On average, Portage insurance customers enjoy cheaper rates than the state average, thanks to a much lower crime and vehicle theft rate.

Your Michigan auto insurance premiums are calculated on a wide variety of factors and changes in any of these factors can reduce your premiums. A new job that has a much shorter commute, installing a car alarm, buying a house or even getting married can affect your insurance premiums, so be sure to notify your agent if your circumstances change. Obviously keeping your driving record clean will affect your rate as well. A speeding ticket or reckless driving charge will send your premiums skyrocketing.

Protect Your Home

In Portage, insurance quotes for homeowners tend to be a bit lower than the national average. A typical policy costs around $715. If you are lucky enough to live on one of Portage's numerous lakes, adding flood insurance to your Michigan home insurance policy is a must. In flood prone areas, your mortgage company will require it. Flood insurance can be fairly inexpensive in low risk areas, but it can cost over $2,000 a year if you are located in a high-risk location.

Comparing Portage Insurance Quotes is Simple

Insurance quotes will vary depending on your individual circumstances. The best way to find great Michigan insurance coverage at the lowest price is by comparing as many quotes as possible. Calling an agent can be helpful, especially if you are unsure of the coverage you need. On the other hand, if you know what type of coverage you want, then using a free service such as NetQuote can often be the most convenient way to shop for a new policy. Simply fill in the request form and sit back and wait for the quotes to come in. When it's time to find new insurance, let NetQuote lead you to savings.