6 Must-Know Tips When Looking for the Best Deal on Salt Lake City Utah Auto Insurance

Finding low-cost Salt Lake City auto insurance on the web can seem to be difficult for consumers not familiar with online price comaprisons. With such a large number of online companies, how can you even start to compare every one to find the lowest rates?

How to Get Cheap Auto Insurance in Salt Lake City

There are multiple methods you can shop for auto insurance but one way is less time-consuming than others. You can waste a lot of time talking to insurance agencies in Salt Lake City, or you can utilize online quoting to quickly compare rates.

Most of the best insurance companies take part in a program where prospective buyers submit their information once, and each participating company can give them a price. This eliminates the need for repetitive form submissions to each individual auto insurance company.

To compare pricing click here (opens in new window).

The one disadvantage to doing it this way is you don’t know exactly the companies to get quotes from. So if you prefer to choose specific insurance companies to compare rates, we have assembled a list of the cheapest auto insurance companies in Utah. Click here to view list.

It’s up to you how you get prices quotes, just compare apples-to-apples coverages for every quote you compare. If each company quotes different values for each quote it will be very difficult to find the best deal in Salt Lake City. Just a small difference in coverages may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes provides better odds of finding a better price.

Drivers who switch save $424 a year? Really?

Companies like State Farm, Allstate and GEICO continually stream ads on television and other media. All the ads make an identical promise that you can save after switching to them. How does each company make almost identical claims?

All companies can use profiling for the right customer that makes them money. A good example of a desirable insured might be between the ages of 40 and 55, has no tickets, and has excellent credit. A propective insured who matches those parameters gets the lowest rates and most likely will cut their rates substantially.

Potential customers who don’t meet these standards will have to pay a higher premium and this can result in business not being written. The ad wording is “drivers who switch” but not “drivers who get quotes” save that much. This is how insurance companies can confidently claim big savings. Because of the profiling, you absolutely need to compare many company’s rates. It is impossible to predict which insurance companies will provide you with the cheapest rates.

Are you getting all your discounts?

Companies offering auto insurance don’t necessarily list every discount very clearly, so we took the time to find both the well known as well as the least known ways to save on auto insurance.

• Paperless Signup – Certain companies give back up to $50 for buying a policy and signing up digitally online.
• Driver Safety – Taking a driver safety course could cut 5% off your bill if your company offers it.
• Multi-policy Discount – If you have multiple policies with the same insurance company you may save up to 20% off your total premium.
• Claim Free – Drivers who don’t have accidents can earn big discounts when compared with drivers who are more careless.
• Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
• Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.

Keep in mind that most credits do not apply to your bottom line cost. Most only reduce individual premiums such as medical payments or collision. So even though it sounds like adding up those discounts means a free policy, companies wouldn’t make money that way.

For a list of providers with the best auto insurance discounts in Utah, follow this link.

More tips and info about auto insurance can be read at the Utah Insurance Department website. Visitors are able to get help finding coverage, find out which companies have the most complaints, learn about specific coverages, and file complaints about a company.

Additional helpful sites include this site for auto insurance information in Utah and this page for help finding agents in Salt Lake City, UT.

Quote more, save more

We just showed you a lot of tips how to shop for auto insurance online. The key thing to remember is the more you quote, the higher your chance of finding lower rates. Consumers could even find that the lowest premiums are with the least-expected company.

As you restructure your insurance plan, you should never reduce coverage to reduce premium. There are too many instances where drivers have reduced liability limits or collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.

Discount auto insurance can be found on the web in addition to many Salt Lake City insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.