Are you sick and tired of not being able to afford to buy car insurance? You are no different than many other drivers in Utah.
Since consumers have many choices of insurance companies, it’s nearly impossible to choose the right provider.
Shopping for the lowest cost coverage in Ogden is not that difficult. In a nutshell, every driver who is shopping for car insurance will more than likely be able to find lower rates. But Utah drivers do need to learn how big insurance companies market insurance on the web and apply this information to your search.
How to Get Cheap Car Insurance in Ogden, Utah
Comparing car insurance rates is a ton of work if you aren’t aware of the most efficient way to do it. You can waste a few hours (or days) discussing policy coverages with local insurance agents in Ogden, or you can utilize online quotes to get pricing more quickly.
Most major companies enroll in a system where insurance shoppers enter their policy data once, and each company provides a quote. This system prevents you from having to do quotation requests for each company.
To get comparison pricing now click here to start a free quote.
The single downside to using this type of form is you cannot specify which providers you will receive quotes from. If you would rather choose specific providers to compare rates, we have a page of car insurance companies in Utah. View list of Utah insurance companies.
Whichever way you use, double check that you are using apples-to-apples coverage limits and deductibles with every price quote. If each company quotes different liability limits then you won’t be able to make an equal comparison in Ogden. Having just a slight variation in coverages can mean a large discrepancy in price. It’s important to know that comparing more company’s prices helps you find lower pricing.
Car insurance ads bend the truth
Car insurance companies such as State Farm and Allstate continually stream television and radio advertisements. They all seem to say the same thing that you’ll save big after switching your coverage to them. How does each company make almost identical claims? This is how they do it.
Insurance companies are able to cherry pick for the driver they prefer to insure. For example, a profitable customer might be between 30 and 50, has no tickets, and has excellent credit. Any new insured who meets those qualifications gets the lowest rates and therefore will cut their rates substantially.
Drivers who are not a match for the requirements will have to pay more money which usually ends up with the customer not buying. Company advertisements say “customers who switch” not “everyone that quotes” save that much money. That’s the way companies can state the savings.
Because of the profiling, drivers should quote coverage with many companies. Because you never know which car insurance company will have the lowest rates.
Discounts are great for lower rates
Insuring your vehicles can cost a lot, but there could be available discounts that you may not know about. Certain discounts will be triggered automatically when you purchase, but a few must be specially asked for before being credited.
- Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
- Military Rewards – Having a deployed family member can result in better rates.
- Organization Discounts – Affiliation with certain professional organizations may earn a discount when shopping for car insurance.
- Passive Restraints and Air Bags – Cars that have air bags can get savings of 20% or more.
- Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
- Early Switch Discount – Some insurance companies reward drivers for signing up prior to your current policy expiring. It’s a savings of about 10%.
- Save over 55 – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums.
- Life Insurance Discount – Larger companies have lower rates if you buy life insurance from them.
- Government Employees – Active or retired federal employment could cut as much as 10% off depending on your company.
Consumers should know that most discount credits are not given to the entire cost. Most only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, car insurance companies aren’t that generous. But any discount will bring down the cost of coverage.
Additional car insurance information is located on the website for the Utah Insurance Department through this link. Utah consumers can find a variety of consumer forms, report car insurance fraud, and find disaster information.
Shop smart and save
When shopping online for car insurance, never skimp on coverage in order to save money. In many cases, consumers will sacrifice full coverage only to find out that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.
You just learned some good ideas how you can shop for car insurance online. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm and Allstate.