Searching for the lowest cost Cedar City car insurance on the internet can seem to be rather challenging for people who are new to comparison shopping online. Because there are so many insurers to choose from, how can Cedar City drivers even start to compare every company to locate the lowest price?
It’s smart to shop coverage around occasionally due to the fact that insurance rates change regularly. Just because you found the lowest price two years ago you will most likely find a better rate today. Ignore everything you know about car insurance because we’re going to demonstrate the proper way to save money, get proper deductibles and limits, all at the lowest rate.
Comprehensive Car Insurance Comparison in Cedar City, UT
There are a lot of ways to shop for car insurance, but some are less labor-intensive and much quicker. You could waste a few hours driving to local insurance agents in Cedar City, or you could use the internet to achieve your goal.
Most of the best insurance companies are enrolled in a marketplace that allows shoppers to submit their information once, and each company can provide price quotes determined by their information. This saves time by eliminating repetitive form submissions to each individual car insurance company.
To submit your quote information now, click to open in new window.
The only downside to getting quotes like this is you are unable to specify which carriers to get quotes from. So if you prefer to pick specific insurance companies to compare rates, we have assembled a list of car insurance companies in Utah. Click to view list.
Whichever method you choose, make absolute certain that you use the exact same information with every price quote. If your comparisons have different limits and deductibles on each one then you won’t be able to determine which rate is truly the best in Cedar City. Just a small difference in coverage limits may result in large price differences. Just keep in mind that quoting more gives you a better chance of getting the best rates.
How can State Farm, Geico and Progressive save drivers who switch?
Companies like State Farm, Geico and Progressive continually stream television and radio advertisements. All the ads say the same thing that you can save after switching to their company. How can each company make almost identical claims? This is how they do it.
All companies can use profiling for the right customer that makes them money. An example of a desirable insured could possibly be over the age of 50, is a homeowner, and has excellent credit. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and therefore will save when switching.
Potential insureds who fall outside the requirements must pay higher rates which leads to the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everyone that quotes” save that much money. That’s why companies can advertise the way they do.
This illustrates why you need to get quotes from several different companies. You cannot predict which car insurance company will fit your personal profile best.
Discounts are basically free money
Insurance can be prohibitively expensive, but there are discounts available that you may not know about. Some discounts apply automatically at quote time, but some must be specifically requested prior to getting the savings.
- Paperless Signup – A few companies will discount your bill up to fifty bucks simply for signing online.
- One Accident Forgiven – A few companies permit an accident before your rates go up so long as you haven’t had any claims for a set time period.
- New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
- Resident Student – Children who attend school more than 100 miles from home and do not have a car may qualify for this discount.
- Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount with select insurance companies.
- No Claims – Drivers with accident-free driving histories can save substantially as compared to accident-prone drivers.
- Drive Less and Save – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
A little note about advertised discounts, most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will bring down the amount you have to pay.
For a list of providers offering car insurance discounts in Utah, follow this link.
Which policy gives me the best coverage?
When choosing the right insurance coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s.
Here are some questions about coverages that might point out if your insurance needs could use an agent’s help.
- Should I buy more coverage than the required Utah minimum liability coverage?
- Is borrowed equipment or tools covered if stolen or damaged?
- Why am I required to get a high-risk car insurance policy?
- Do I need PIP coverage since I have good health insurance?
- What is high-risk coverage and where do I buy it?
- Do I have coverage when using my vehicle for my home business?
- Who is covered when they drive my vehicle?
- Does my car insurance cover rental cars?
- Do I get a pro-rated refund if I cancel my policy early?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.
But buying car insurance online seems impersonal
Some people just want to buy from a licensed agent and that is just fine! One of the best bonuses of price shopping on the web is that you can obtain the lowest rates but also keep your business local. And providing support for local businesses is important particularly in Cedar City.
By using this form (opens in new window), the quote information is emailed to companies in Cedar City who will compete for your business. You won’t need to visit any agencies because quoted prices will be sent to your email. How’s that for easy! You can find the lowest rates and an insurance agent to talk to.
If you want to view licensed agents in Cedar City, please click here.
Deciding on an insurance company shouldn’t rely on just the price. Some important questions to ask are:
- How often do they review policy coverages?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do they make recommendations based only on price?
- What insurance companies do they recommend if they are an independent agent?
- Do they specialize in personal lines coverage?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Can glass repairs be made at your home?
- Is vehicle mileage a factor when determining depreciation for repairs?
After receiving acceptable answers for all questions you ask in addition to an acceptable price estimate, you have narrowed it down to an insurer that can properly service your car insurance policy.
The coverage is in the details
Understanding the coverages of your car insurance policy helps when choosing the right coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.
Liability coverages
This coverage will cover damage that occurs to a person or their property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.
Liability insurance covers things like loss of income, attorney fees, emergency aid and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford. Utah state minimum liability requirements are 25,000/65,000/15,000 but drivers should carry more liability than the minimum.
Medical expense insurance
Coverage for medical payments and/or PIP reimburse you for immediate expenses for hospital visits, nursing services, ambulance fees, rehabilitation expenses and pain medications. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Protection from uninsured/underinsured drivers
This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Due to the fact that many Utah drivers have only the minimum liability required by law (25/65/15 in Utah), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Coverage for collisions
Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.
Collision coverage protects against things like driving through your garage door, hitting a mailbox, hitting a parking meter, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
Comprehensive (Other than Collision)
This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as vandalism, damage from getting keyed, a tree branch falling on your vehicle and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Final considerations
Cheap car insurance can be sourced on the web and also from your neighborhood Cedar City agents, so you should compare both to have the best chance of lowering rates. Some companies may not provide online quoting and these regional insurance providers work with independent agents.
When shopping online for car insurance, don’t be tempted to skimp on coverage in order to save money. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits and learned later that they should have had better coverage. The proper strategy is to buy enough coverage at an affordable rate, not the least amount of coverage.
You just read some good ideas how you can lower your car insurance rates. It’s most important to understand that the more rate quotes you have, the better likelihood of reducing your rate. Consumers could even find that the best prices are with the smaller companies.
To learn more about car insurance in Utah
More information can be found on the Utah Insurance Department website through this link. Utah consumers can read consumer alerts, discover disciplinary actions, find out which companies have the most complaints, and file complaints about an insurance agent or broker.
Also read more on this page for car insurance in Utah and this link which helps you find a Cedar City agent.