10 Must-Know Tips When Shopping for Provo Utah Car Insurance

Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Believe me when I say you’re not the only one.

Multiple auto insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurance companies to get the best price available.

If you have car insurance now, you will most likely be able to save some money using these techniques. Finding affordable coverage in Provo is not rocket science. Although Utah car owners can benefit by having an understanding of how the larger insurance companies sell insurance online and use this information to your advantage.

Free Quotes for Car Insurance in Provo, Utah

Most companies quote coverage price quotes online. This process doesn’t take much effort as you just enter your required coverages as requested by the quote form. After you submit the form their system obtains your driving record and credit report and generates pricing information based on many factors. Quoting online helps simplify price comparisons, but the process of having to visit different websites and complete many quote forms can get tiresome after awhile. But it’s absolutely necessary to get many rate quotes in order to find better car insurance pricing.

The easiest way to find better car insurance pricing requires only one form that obtains quotes from several companies at one time. This type of form saves time, requires much less work on your part, and makes price shopping online much more enjoyable. After sending the form, it is rated and you are able to buy any or none of the quotes returned.

If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. This process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To quickly find out what other companies charge, simply click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you replicate the coverage information identical to your current policy. Doing this assures you will receive a fair comparison for similar insurance coverage.

Don’t be fooled by advertising claims

Companies like Allstate and Progressive continually stream ads in print and on television. All the ads say the same thing about savings after switching your coverage to them. How does each company make almost identical claims?

All companies can use profiling for the type of customer that is profitable for them. For instance, a profitable customer could be between 25 and 40, insures multiple vehicles, and has excellent credit. A propective insured who meets those qualifications gets the lowest rates and most likely will pay quite a bit less when switching companies.

Potential customers who don’t meet the “perfect” profile will be charged higher prices and ends up with business not being written. The ad wording is “customers who switch” not “people who quote” save that much money. This is how companies can advertise the savings.

That is why you absolutely need to get a wide range of price quotes. It is impossible to predict which car insurance company will have the lowest rates.

Discounts are available to cut your rates

Insuring your vehicles can cost a lot, but you can get discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you complete an application, but some must be requested specifically before you get the savings.

• Passive Restraints – Vehicles with factory air bags can get savings up to 30%.
• New Vehicle Savings – Insuring a new car is cheaper due to better safety requirements for new cars.
• Driver Safety – Taking part in a course in driver safety could save 5% or more and easily recoup the cost of the course.
• Seat Belts Save – Buckling up and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
• Distant Student – Children who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
• One Accident Forgiven – Certain companies will forgive one accident before raising your premiums if your claims history is clear for a certain period of time.
• Bundle and Save – When you combine your home and auto insurance with one company you may save approximately 10% to 15%.

As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way. Any amount of discount will bring down your overall premium however.

For a list of providers who offer car insurance discounts in Utah, click here.

Much more information about car insurance in Utah is located on the website for the Utah Insurance Department located here. Utah drivers can read industry bulletins, download brochures, and find out which companies have the most complaints.

Shop smart and save

In this article, we covered a lot of ways to reduce car insurance prices online. It’s most important to understand that the more you quote, the higher the chance of saving money. Drivers may discover the lowest priced car insurance comes from a small mutual company. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like Allstate, GEICO and Progressive.

Cheap car insurance is attainable on the web and also from your neighborhood Provo agents, so compare prices from both to have the best rate selection. A few companies may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. There are many occasions where an insured cut physical damage coverage and found out when filing a claim they didn’t have enough coverage. Your strategy should be to find the BEST coverage at an affordable rate, not the least amount of coverage.