Car Insurance in Lindon, UT – 10 Tricks to Cut Costs

Having to pay for overpriced car insurance can empty your bank account and force you to prioritize other expenses. Doing a price comparison is a smart way to lower your monthly bill.

Because there are so many different company options, it can be challenging to find the right provider.

Compare the Market for Car Insurance in Lindon, Utah

Most major insurance companies provide coverage price quotes on their websites. Getting online quotes is quite easy as you just type in your personal and coverage information as requested by the quote form. When the form is submitted, the company’s rating system will order reports for credit and driving violations and returns a price quote based on these and other factors. This makes comparing rates easy, but having to visit multiple sites and type in the same information can be a bit repetitive. But it’s very important to compare as many rates as possible if you are searching for the lowest possible prices on car insurance.

The better way to compare rates

A more efficient way to find lower prices requires only one form that gets prices from many companies. This type of form saves time, requires less work, and makes quoting online much easier to do. Immediately after you send the form, it is quoted with multiple companies and you can pick your choice of the pricing results.

If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. This process takes 15 minutes at the most and you will find out if you’re overpaying now.

To quickly use this form to compare rates, click here and fill out the form. If you have coverage now, it’s recommended you input the coverages just like they are on your policy. This ensures you will receive comparison quotes based on similar coverages.

Don’t listen to company ads

21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies make an identical promise that you can save if you switch to their company. How does each company claim to save you money? It’s all in the numbers.

All companies can use profiling for the type of customer that makes them money. For instance, a preferred risk could possibly be between the ages of 30 and 50, a clean driving record, and drives newer vehicles. A propective insured who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don’t qualify for these standards will be quoted higher prices which leads to business not being written. Company advertisements say “customers who switch” but not “drivers who get quotes” save that kind of money. That’s why insurance companies can confidently make those claims.

This emphasizes why you need to get quotes from several different companies. It’s impossible to know the company that will have the lowest rates.

Lower rates by qualifying for these ten discounts

Properly insuring your vehicles can get expensive, but you can get discounts that you may not even be aware of. Some trigger automatically at the time of quoting, but less common discounts must be manually applied before you get the savings.

  • Resident Student – Any of your kids who are attending college and do not have a car can receive lower rates.
  • Low Mileage Discounts – Driving fewer miles could qualify for discounted rates on garaged vehicles.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you may save at least 10% off all policies.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% with select insurance companies.
  • Student Driver Training – Require your teen driver to take driver’s ed class in school.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Accident Forgiveness – A few companies will allow you to have one accident without raising rates if you are claim-free prior to the accident.

It’s important to note that some credits don’t apply to the entire cost. Most only apply to individual premiums such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, car insurance companies aren’t that generous. But any discount will cut the cost of coverage.

For a list of providers with discount car insurance rates in Lindon, click here.

Car insurance is unique, just like you

When it comes to choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Each situation is unique so your insurance should reflect that These are some specific questions might point out whether you could use an agent’s help.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered if I drive in a foreign country?
  • Is my custom paint covered by insurance?
  • Do I have any recourse if my insurance company denies a claim?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Car insurance policy specifics

Having a good grasp of car insurance can help you determine the right coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by car insurance companies.

Comprehensive insurance

This pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, a tree branch falling on your vehicle and fire damage. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.


This coverage can cover damage or injury you incur to other people or property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like funeral expenses, medical services, medical expenses, emergency aid and court costs. The amount of liability coverage you purchase is your choice, but buy as much as you can afford. Utah requires minimum liability limits of 25,000/65,000/15,000 but you should consider buying higher limits.

Collision protection

This coverage covers damage to your vehicle resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sustaining damage from a pot hole, rolling your car, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for expenses for dental work, hospital visits and EMT expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits (Utah limits are 25/65/15), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits are identical to your policy’s liability coverage.

What is YOUR best insurance company?

As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where consumers will sacrifice uninsured motorist or liability limits only to find out that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Discount car insurance is possible both online and with local Lindon insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

Much more information about car insurance in Utah is available on the website for the Utah Insurance Department found here. Utah consumers can view agent and company licensing information, read state legal mandates and laws, and find a variety of consumer forms.