Are you overwhelmed by the number of auto insurance options in Roy? Many other drivers are as well. You have so many choices that it can quickly become a challenge to find the perfect company for you.
Choosing the best insurance company for you in Roy is quite easy. If you have car insurance now, you stand a good chance to be able to save some money using these techniques. Utah consumers only need to know the most efficient way to shop their coverage around online.
Compare the Market for Auto Insurance in Roy, UT
Finding a lower price on insurance is a fairly straight forward process. Consumers just need to take a few minutes to compare rate quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.
- The recommended way to get quotes is a comparison rater form like this one (opens in new window). This method eliminates the need for separate forms for every auto insurance company. One simple form gets you coverage quotes direct from many companies. This is perfect if you don’t have a lot of time.
- A more time consuming way to find lower rates requires a visit to each company’s website and request a quote. For example, let’s say you want to compare Auto-Owners, Esurance and American Family. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why the first method is quicker.
To view a list of companies in Roy, click here.
- The least recommended method to get comparison rates to local Roy insurance agencies. Shopping for auto insurance online can eliminate the need for a local agent unless you require the professional guidance that only a license agent can provide. However, consumers can obtain prices from the web but still have the advice of a local agent. We’ll cover that shortly.
Whichever method you choose, be sure to compare the exact same deductibles and coverage limits with every price quote. If each company quotes different liability limits it will be next to impossible to decipher which rate is best in Roy.
Discounts are available to cut your rates
Companies don’t always publicize every available discount very well, so we took the time to find both the well known and also the lesser-known discounts you could be receiving. If you don’t get every credit available, you’re just leaving money on the table.
- Paperless Signup – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up online.
- Auto/Home Discount – When you combine your home and auto insurance with the same company you may save at least 10% off all policies.
- Air Bag Discount – Vehicles with factory air bags or automatic seat belts can get savings of up to 25% or more.
- Resident Student – Youth drivers who are attending college and don’t have a car can be insured at a reduced rate.
- Accident Forgiveness – A few companies allow you one accident before raising your premiums if you are claim-free prior to the accident.
- Fewer Miles Equal More Savings – Low mileage vehicles can earn lower rates on the low mileage vehicles.
- Claim Free – Drivers with accident-free driving histories can earn big discounts as compared to accident-prone drivers.
- Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
It’s important to understand that most discount credits are not given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, it doesn’t quite work that way.
Get Cheaper Rates by Understanding Pricing
It’s important that you understand the rating factors that go into determining the rates you pay for auto insurance. Knowing what determines base rates allows you to make educated decisions that will entitle you to big savings.
Listed below are some of the items companies use to determine prices.
- What type of vehicle do you drive? – The performance level of the car you drive makes a huge difference in determining your rates. The most favorable rates are usually for low performance passenger vehicles, but other factors influence the final cost greatly.
- Where you reside plays a part – Living in a rural area can be a good thing when talking about auto insurance. Lower population means reduced accidents as well as less vandalism and auto theft. Urban drivers have much more traffic to deal with and much longer commute distances. More time commuting means more change of being in an accident.
- High crash test scores lower rates – Safer cars tend to have better insurance rates. Safe vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders.
- Poor credit can mean higher rates – A driver’s credit score is a important factor in calculating your auto insurance rates. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with poor credit. So if your credit rating is low, you could potentially save money when insuring your by repairing your credit.
- Tickets mean higher rates – Drivers who don’t get tickets tend to pay less for car insurance than people who have multiple driving citations. Even a single speeding ticket can bump up the cost twenty percent or more. Drivers who have severe citations such as DUI or reckless driving may need to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
Aren’t my neighborhood agents an option?
Some people just want to get advice from a local agent and that is OK! Insurance agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of comparing insurance prices online is you can get better rates and still have an agent to talk to.
Once you complete this form (opens in new window), your coverage information is immediately sent to agents in your area who will battle for your coverage. There is no need to even leave your home due to the fact that quote results will go directly to your email. How cool is that?!
Picking an provider requires more thought than just a cheap price. Here are some questions to ask:
- If you have an accident, will your rates go up?
- Can they give you a list of client referrals?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- What is the agency’s Better Business Bureau rating?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Roy auto insurance agents come in two flavors
When searching for a good insurance agency, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Insurance agencies in Roy are categorized either independent (non-captive) or captive. Both types can write coverage properly, but it’s good to learn how they differ because it can influence the selection process.
Captive Insurance Agents
Captive agencies are contracted to one company and some examples include State Farm, AAA and Liberty Mutual. They are unable to shop your coverage around so they have to upsell other benefits. Captive agencies are usually quite knowledgeable in insurance sales and that can be a competitive advantage. Consumers sometimes buy from captive agents mainly due to loyalty to the company and the convenience of having a single billing for all their coverages.
Below are captive insurance agents in Roy that can give you price quotes.
- State Farm Insurance – 1798 W 5150 S # 102 – Roy, UT 84067 – (801) 825-7169
Independent Agents (or Brokers)
These agents are not locked into one company but rather can write business with many different companies depending on which coverage is best. If you are not satisfied with one company, your agent can switch companies and you don’t have to find a new agent.
When comparison shopping, you should always get quotes from at a minimum one independent agency to have the most options to choose from. They often place coverage with smaller regional carriers which may provide better rates.
Once you have acceptable answers to these questions and an affordable coverage quote, chances are good that you have found an insurance agent that will adequately provide auto insurance.
More detailed Utah auto insurance information can be found at the Utah Insurance Department website. Visitors are able to learn about insurance regulations, file complaints about an insurance agent or broker, find out which companies have the most complaints, and view a list of available companies.
The following information may also be useful.
Ads can be misleading
Consumers in Utah can’t ignore all the ads for car insurance savings by State Farm, GEICO and Progressive. They all say the same thing that you can save if you change to their company.
How does each company claim to save you money? This is how they do it.
All companies are able to cherry pick for the right customer they prefer to insure. For instance, a profitable customer might be profiled as over the age of 40, has no tickets, and has great credit. A propective insured who matches those parameters gets the lowest rates and most likely will save when they switch companies.
Potential insureds who do not match these standards will be quoted a higher premium which leads to the customer not buying. The ads say “drivers who switch” not “everybody who quotes” save money. That’s why insurance companies can confidently advertise the way they do. This emphasizes why you need to compare as many rates as you can. You cannot predict which company will provide you with the cheapest rates.
Shop smart and save
The cheapest auto insurance can be bought from both online companies in addition to many Roy insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.
When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. There have been many situations where an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. The proper strategy is to buy the best coverage you can find for the lowest price, not the least amount of coverage.
Insureds who switch companies do it for any number of reasons including questionable increases in premium, lack of trust in their agent, delays in responding to claim requests and even policy non-renewal. Whatever your reason, finding the right auto insurance provider is easier than you think.