8 Ways You Can Buy Auto Insurance for Less in Roy

Finding the lowest price for Roy auto insurance is challenging if you have never used online rate quotes. But don’t let that discourage you because it’s actually quite easy.

You should take the time to price shop coverage yearly since insurance rates go up and down regularly. Even if you got the lowest price last year you may be paying too much now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the easiest way to reduce your cost while improving coverage.

Auto Insurance Prices in Roy

Getting better auto insurance pricing can be relatively painless. Just spend a little time to compare quotes from different insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The single most time-saving way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This method keeps you from doing repetitive form entry to each individual auto insurance company. Taking the time to complete one form gets you coverage quotes from multiple low-cost companies. This is by far the quickest method.
  2. A different way to get comparison quotes requires a trip to each company’s website to complete their respective quote request forms. For sake of this example, we’ll assume you want to compare Auto-Owners, Progressive and GEICO. To get each rate you have to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular. For a list of links to insurance companies in Roy, click here.

However you get your quotes, compare apples-to-apples quote information for every quote you compare. If you compare mixed coverages it will be impossible to determine the best price in Roy.

Cut your auto insurance rates with these eight discounts

The cost of insuring your cars can be expensive, but companies offer discounts to reduce the price significantly. A few discounts will automatically apply when you complete an application, but some may not be applied and must be requested specifically prior to receiving the credit. If they aren’t giving you every credit available, you are throwing money away.

  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% with certain companies.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates than their less cautious counterparts.
  • Paperwork-free – Certain companies give back up to $50 simply for signing digitally online.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Own a Home – Being a homeowner can save you money because maintaining a house is proof that your finances are in order.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.

It’s important to note that most credits do not apply the the whole policy. Some only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, you’re out of luck. But any discount will reduce the amount you have to pay.

To see a list of insurance companies with the best auto insurance discounts in Roy, click here to view.

You are unique and your auto insurance should be too

When it comes to choosing adequate coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining if you will benefit from professional help.<img class="alignright" style="padding-top:15px;" src="http://www.findnewcarinsurance.com/wp-content/uploads/ci175-91.jpg" alt="Utah auto insurance“/>

  • Is business property covered if stolen from my car?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my teen driver covered when they drive my company car?
  • Do I qualify for additional discounts?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is rental equipment covered for theft or damage?
  • Why is insurance for a teen driver so high in Roy?
  • When should I not file a claim?
  • Who is covered when they drive my vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Auto insurance policy coverages

Learning about specific coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

Liability insurance – This will cover damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like medical expenses, bail bonds, structural damage, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. Utah state law requires minimum liability limits of 25,000/65,000/15,000 but it’s recommended drivers buy more coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your vehicle.

Due to the fact that many Utah drivers only carry the minimum required liability limits (which is 25/65/15), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage – Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like falling objects, a broken windshield, damage from getting keyed and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision – This coverage will pay to fix damage to your vehicle caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Utah auto insurance

Collision coverage pays for claims like sustaining damage from a pot hole, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as EMT expenses, doctor visits, rehabilitation expenses and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Learn more about auto insurance in Utah

More information can be found on the Utah Insurance Department website located here. Utah consumers can file complaints about a company, read industry bulletins, read state legal mandates and laws, and read enforcement actions against agents and companies.

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