Car Insurance

You can depend on us for all of your car & truck insurance needs. We have been in the business since 2004 and boast 21 years of experience. We are located in downtown Allegan, Michigan for your convenience.

Cheap Car Insurance in Allegan, Michigan

Are you looking to find cheaper options for car insurance in Allegan or Van Buren County? There’s never a one-size-fits-all policy for every individual or family and insurance carriers regularly introduce new discounts. We are an insurance broker which means we have the tools & expertise to shop the insurance market for your best options at the right price.

Are you being told you are “high risk” or “uninsurable” at the current time? If you have an accident history, multiple speeding tickets, are a new driver or an older driver, you are likely viewed as “higher risk” by the insurance industry.

Safe Driving & Multi-Car Discounts

Call us today at 269-673-9644 to ask about car insurance discount programs available. Car insurance discount programs typically fall into 5 categories: driver safety, driver status, policy-based, vehicle attributes, and usage-based.

Driver Safety Discounts - These can include defensive driving lessons, accident-free discounts, and safe driver incentives.
Driver Status Discounts - These discounts are based on the driver's personal profile (good student, military, senior, etc.)
Policy-Based Discounts - These can include multi-car discounts, bundling / multi-policy discounts, electronic autopay discounts, paid-in-full discounts, and loyalty reward discounts.
Vehicle Attributes Discounts - These can include anti-theft discounts, passive restraint discounts, newer car discounts, discounts for daytime running lights, and loyalty reward discounts.
Usage-Based Discounts - These discounts typically monitor driving habits for speed, miles driven, braking activity, and time of day driving metrics.

Car Insurance FAQs

What is Non-Standard Insurance?

Standard insurance is typically only available to lower-risk drivers. If you are a new driver, have allowed lapses in coverage, received multiple speeding tickets, or have an accident history, you may have to purchase a non-standard policy. In most cases, non-standard or SR22 / high risk policies are more expensive.

What is a High Risk Driver?

High Risk drivers can be drivers under 25 years old, drivers with speeding tickets, or individuals who had their licensed suspended or revoked. Kline Insurance Agency has a large selection of Modified Insurance Solutions for high-risk drivers.