Grand Rapids, Michigan insurance quotes can be as unpredictable as the fish species in the Grand River; the variety you reel in depends on when you cast your line. For instance, if you're fishing for life insurance when you're 25 years old you'd more likely have a lower premium than you would when you're 45 years old because as a body ages it becomes more susceptible to disease. Needless to say, when it comes to insurance -- and fishing for that matter -- timing is everything.
Hook onto a Health Plan
According to the U.S. Census Bureau, there were 9,852 Michiganders without health care insurance coverage between 2007 and 2009. While the majority of Americans receive health coverage through their employers there are many who must find it on their own. Similar to life insurance, when you shop for Grand Rapids insurance quotes for health coverage the results for your premium will be based on factors such as your age, preexisting conditions and habits. You're less likely to have major medical issues in your younger years, which is why it's important to obtain coverage early on. You'll find that some Grand Rapids insurance providers require a waiting period before they will cover a preexisting condition and others will not cover preexisting conditions at all. However, if it's been less than a year since you last had health insurance coverage you will not have to undergo a waiting period for treatment of a preexisting condition thanks to the Health Insurance Portability and Accountability Act (HIPAA).
Auto Insurance for Teens: Use Your Best Bait
With a lack of experience behind the wheel and high incidences of driver error and speeding, it's clear why 16-year-olds are so expensive to insure. In 2004, 78 percent of fatal crashes linked to a 16-year-old driver involved driver error whereas driver error was the cause of 69 percent of fatal crashes with 17- to 19-year-olds, and 55 percent for 20- to 49-years-olds, according to the National Highway Traffic Safety Administration. Looking at these numbers you can see why coverage costs more for a teenage driver. Cautious teens will eventually lower their auto insurance rate by establishing a clean driving record and credit score. Many insurers offer good student discounts to boot. If you want to see immediate savings on your Grand Rapids insurance quotes for your teenage driver, buy him a sensible vehicle and opt for a higher deductible.
Reel in a Great Rate
Searching for Grand Rapids insurance quotes won't be as awe inspiring as the fireworks display at the annual Celebration on the Grand, but you just might scrape your chin on your computer's keyboard when you see how much you can save by scouting out the competition. NetQuote has an extensive catalog of reputable Grand Rapids insurance providers, and when they obtain insurance leads from our service they know they must provide the best, most affordable coverage to win your business. So throw out your line and catch a record-breaking bass while we get to work for you.