Do you think you bought overpriced car insurance? You’re preaching to the choir because there are many people just like you. Due to the large number of car insurance companies to choose from, it can be diffult for drivers to choose the most cost effective insurance company.
It’s smart to do rate comparisons before your next renewal since insurance rates go up and down regularly. Even if you think you had the best deal at your last renewal a different company probably has better prices today. Ignore everything you know about car insurance because you’re about to learn one of the best ways to find the best coverage while lowering your premiums.
Finding the lowest cost coverage in Hyde Park is quite easy. If you have a policy now or need new coverage, you can use these techniques to shop for the lowest rates while maintaining coverages. Utah drivers only need to know the proper methods to shop online.
Finding car insurance in Hyde Park, UT
The majority of larger companies like Progressive, Allstate and GEICO provide coverage prices direct online. Getting prices online doesn’t take a lot of time as you just type in the coverages you want as requested by the quote form. After you submit the form their rating system will order your driving record and credit report and generates pricing information based on these and other factors. This helps simplify price comparisons, but the process of having to visit multiple sites and type in the same information is monotonous and tiresome. But it’s absolutely necessary to have as many quotes as possible if you want to get a better rate.
Keep reading for an easier way to compare prices
A less time-consuming method to find cheaper rates uses one form that gets prices from several companies at one time. It’s a real time-saver, eliminates form submissions, and makes online quotes much simpler. Immediately after submitting the form, your coverage is rated and you can select any one of the price quotes you receive.
If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. This process takes 15 minutes at the most and you will know how your current rates stack up.
To compare rates using this form now, click here to open in new window and fill out the form. If you have a policy now, it’s recommended you enter the limits and deductibles exactly as they are listed on your policy. Doing this assures you will have a price comparison based on identical coverages.
Car insurance advertisements
Consumers get pounded daily by advertisements for the lowest price car insurance by companies like Progressive, Allstate and GEICO. They all seem to make an identical promise about saving some big amount just by moving your car insurance policy to them.
How does every company claim to save you money?<img class="alignright" style="padding-top:15px;" src="https://www.carinsurancediy.com/wp-content/uploads/ci175-78.jpg" alt="Hyde Park Utah car insurance prices”/>
Insurance companies give the cheapest rates for the type of customer that will most likely be profitable. For example, a profitable insured could be over the age of 50, carries full coverage, and drives less than 10,000 miles a year. A customer getting a price quote that meets those criteria will probably get the lowest prices and therefore will cut their rates if they switch.
Insureds who do not match these criteria may be required to pay higher prices and the customer not purchasing. The wording the ads use say “people who switch” not “all people who quote” save that much money. That’s the way companies can truthfully make those statements.
This really drives home the point why you need to get price quotes at each policy renewal. It’s not possible to predict which insurance companies will have the lowest rate quotes.
More discounts mean lower premiums
Not many people think insurance is cheap, but you might be missing out on some discounts that you may not even know about. Certain credits will be shown when you complete an application, but some must be inquired about in order for you to get them. If you do not double check each discount you deserve, you could be paying more than you need to.
- Switch and Save Discount – A few companies offer discounts for buying a policy early. You could save around 10% when you .
- Discounts for New Vehicles – Buying car insurance coverage on a new vehicle can cost up to 25% less because new model year vehicles are generally safer.
- Professional Organizations – Being in a qualifying organization may earn a discount when shopping for car insurance.
- Driver Safety – Participating in a defensive driver class is a good idea and can lower rates and make you a better driver.
- Save with More Vehicles Insured – Buying insurance for multiple cars on one policy qualifies for this discount.
Don’t be surprised that some of the credits will not apply to all coverage premiums. Some only reduce specific coverage prices like liability, collision or medical payments. So even though you would think adding up those discounts means a free policy, company stockholders wouldn’t be very happy.
To see a list of insurers who offer cheap car insurance quotes in Utah, click here.
Car insurance quotes from neighborhood Hyde Park auto insurance agents
Certain consumers still prefer to have an agent’s advice and that is recommended in a lot of cases Agents can answer important questions and help file insurance claims. An additional benefit of comparing car insurance online is you may find cheap car insurance quotes and still choose a local agent. Buying from and supporting local agents is especially important in Hyde Park.
By using this simple form, your insurance coverage information is emailed to agents in your area that provide for your car insurance coverage. You won’t need to search for an agent since price quotes are sent directly to your email. If you have a need to quote rates from one company in particular, you can always visit that company’s website and fill out the quote form the provide.
Below are agents in Hyde Park that may be willing to give price quote information.
Dave Rayfield Insurance – 740 E 300 N, Hyde Park, UT 84318 – (435) 757-9120
Finding the right company shouldn’t rely on just a low price. The following questions are important to ask.
- Is there a 24/7 contact number?
- Which company do they place the most coverage with?
- Do they have any clout with companies to ensure a fair claim settlement?
- Are they properly licensed to sell insurance in Utah?
- Do they assist clients in filing claims?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- How long have they worked with personal auto insurance coverage?
- Do the agents have professional certifications like CPCU or CIC?
Don’t assume everyone needs the same car insurance coverage
When it comes to buying adequate coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions may help you determine if your situation will benefit from professional help.
- Can I afford to buy a different vehicle if my vehicle is totaled?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- What discounts do I qualify for?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Does my medical payments coverage pay my health insurance deductible?
- Do I need medical payments coverage since I have good health insurance?
If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.
Much more information about car insurance in Utah is available on the Utah Insurance Department website. Click here for link. Utah consumers can find out which companies have the most complaints, file complaints about an insurance agent or broker, and read enforcement actions against agents and companies.
More comparisons equals lower rates
Some car insurance companies do not provide online price quotes and usually these regional insurance providers prefer to sell through independent agencies. Low-cost car insurance is definitely available on the web and from local agencies, and you should compare price quotes from both to have the best selection.
As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. In many cases, an insured cut uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. Your goal should be to find the BEST coverage for the lowest price, but do not sacrifice coverage to save money.