If you are a novice to online auto insurance shopping, it’s easy to get confused by the hoards of online companies offering insurance in Layton.
If you have a policy now or are looking for a new policy, you can use these tips to find the best rates while maximizing coverage. Buying affordable auto insurance coverage in Layton is not that difficult. Utah consumers just need to know the best way to shop their coverage around online.
Policy discounts you shouldn’t miss
Auto insurance companies do not advertise all available discounts in an easy-to-find place, so the following is a list of both the well known as well as the least known ways to save on auto insurance. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.
- Student Driver Training – Have your child complete a driver education course if offered at their school.
- Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
- Payment Method – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
- Multi-policy Discount – If you have multiple policies with one insurance company you will save up to 20% off your total premium.
- No Accidents – Claim-free drivers can earn big discounts when compared to accident-prone drivers.
- Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
- Sign Online – A few companies give back up to $50 simply for signing digitally online.
- 55 and Retired – If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
- Organization Discounts – Participating in a qualifying organization could qualify you for a break on auto insurance.
- Multi-car Discount – Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.
A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck.
To see a list of insurers offering auto insurance discounts in Layton, follow this link.
Neighborhood insurance agents
Certain consumers prefer to sit down with an agent. Licensed agents can answer important questions and help you file claims. The best thing about price shopping on the web is you can get lower rates and still choose a local agent.
For easy comparison, once you complete this quick form, your information is instantly submitted to participating agents in Layton who will give you bids to get your business. You never need to visit any agencies because quoted prices will be sent directly to your email. It doesn’t get any easier!
Selecting an insurance company needs to be determined by more than just the bottom line cost. Ask your prospective agent these questions:
- Is the agency involved in supporting local community causes?
- Is the agent and/or agency licensed to do business in Utah?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Can they provide you with a list of referrals?
- If they are an independent agency, which companies do they recommend?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
What type of Layton insurance agent is right for you?
If you’re trying to find a good Layton insurance agent, you need to know there are two different agency structures that you can select. Agents are categorized either independent (non-captive) or captive. Both types can insure your vehicles, but it’s worth mentioning the differences because it can influence buying decisions.
Captive Insurance Agents
This type of agents write business for a single company like State Farm, Allstate and AAA. They generally cannot give you multiple price quotes so always compare other rates. These agents are very knowledgeable on their company’s products which can be an advantage. Some people will only buy from captive agents mostly because of the prominence of the brand and the convenience of having a single billing for all their coverages.
Below is a list of captive agencies in Layton who can help you get rate quotes.
- American Family Insurance – 1645 E Highway 193 # 105 – Layton, UT 84040 – (801) 771-1260
- Allstate Insurance – 1095 N Main St # 1 – Layton, UT 84041 – (801) 544-4884
- Farm Bureau Insurance – 1992 W Antelope Dr # 100 – Layton, UT 84041 – (801) 825-4081
- Farmers Insurance Group – 230 N Main St – Layton, UT 84041 – (801) 544-4279
Independent Insurance Agents
These agents are not required to write business for one company so they can insure your vehicles with any number of different companies depending on which coverage is best. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to find a new agent. When comparison shopping, it’s recommended you include price quotes from multiple independent agents to ensure the widest selection of prices. They often place coverage with smaller regional carriers which can save you money.
Below is a short list of independent agents in Layton that are able to give price quote information.
- Heiner’s Insurance Ctr – 1410 N Hill Field Rd # 2 – Layton, UT 84041 – (801) 593-9597
- Erekson Agency – 920 Heritage Park Blvd # 110 – Layton, UT 84041 – (801) 951-1951
- RFS Insurance – 2182 N 400 W # 1 – Layton, UT 84041 – (801) 544-0744
To view a complete directory of licensed insurance agents in Layton, please go to this site.
Once you have positive feedback for all questions you ask in addition to an acceptable price estimate, most likely you have located an auto insurance agent that will service your policy.
Slick advertising tricks that work
Utah consumers can’t ignore all the ads for the lowest price auto insurance by companies like State Farm and Allstate. All the ads have a common claim that you can save if you move to them.
But how can every company make almost identical claims?
Insurance companies have a preferred profile for the driver that earns them a profit. A good example of a preferred risk might be profiled as over the age of 50, owns a home, and drives newer vehicles. A propective insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save a lot of money.
Potential insureds who don’t measure up to the requirements must pay a higher premium and ends up with business not being written. The ads say “people who switch” not “everybody who quotes” save that much money. That’s why companies can truthfully advertise the savings. This illustrates why drivers should get as many comparisons as possible. It is impossible to predict which auto insurance company will fit your personal profile best.
To learn even more about auto insurance
More detailed Utah auto insurance information is available at the Utah Insurance Department website. Utah consumers can find a variety of consumer forms, report car insurance fraud, and file complaints about an insurance agent or broker.
Also read more on BankRate.com’s Car Insurance: When not to Skimp and this list of insurance agents in Layton, UT.
Cheaper insurance is a realistic goal
In this article, we presented a lot of tips how to save on auto insurance. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers may even find the best price on auto insurance is with some of the smallest insurance companies.
Consumers leave their current company for any number of reasons including unfair underwriting practices, not issuing a premium refund, denial of a claim or extreme rates for teen drivers. Regardless of your reason, finding a great new company is less work than it seems.
While you’re price shopping online, make sure you don’t reduce coverage to reduce premium. In many cases, an accident victim reduced comprehensive coverage or liability limits only to find out that it was a big mistake. The proper strategy is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.