Cheapest Auto Insurance Exclusively for Orem, UT Residents

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.

Drivers have so many car insurance companies to choose from, and although it’s a good thing to be able to choose, so many choices can make it hard to compare rates.

It’s a good habit to check auto insurance prices on a regular basis since insurance rates tend to go up over time. If you had the best price on your last policy you can probably find a lower rate today. There is a lot of wrong information about auto insurance online but by reading this article, you’re going to learn the best ways to slash your auto insurance rates.

Shopping for cheaper protection in Orem is quite easy. In a nutshell, everyone who carries auto insurance stands a good chance to be able to reduce their rates. But Utah drivers must learn the way companies sell online and take advantage of how the system works.

Decisions you make can impact your rates

It’s important that you understand some of the elements that help determine the price you pay for auto insurance. Understanding what controls the rates you pay helps enable you to make changes that can help you get better auto insurance rates.

  • Do you know your deductibles? – Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered are colliding with a building, damage from fire, and windstorm damage. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The more money the insured has to pay upfront, the less your auto insurance will be.
  • Your job and insurance rates – Jobs such as judges, architects and dentists have the highest average rates due to high stress levels and lengthy work days. Other jobs such as farmers, historians and retirees get better rates.
  • Allowing your policy to lapse raises rates – Allowing your auto insurance policy to lapse will be a guaranteed way to pay more for auto insurance. And not only will insurance be more expensive, but being ticketed for driving with no insurance might get you a steep fine or even jail time.
  • Don’t skimp on liability – Your policy’s liability coverage will protect you if you are found to be at fault for personal injury or accident damage. It will provide you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Drive less and save money – The more miles you rack up on your car in a year the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based on their usage. Cars not used for work or commuting receive lower rates compared to those used for work or business. Ask your agent if your auto insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money.
  • Consolidate policies to earn discounts – Some companies will award you with lower prices to insureds who have multiple policies with them in the form of a multi-policy discount. Even if you’re getting this discount you may still want to comparison shop to verify if the discount is saving money. Drivers may still find a better deal by insuring with multiple companies.
  • Rural vs Urban Areas – Living in a small town is a positive aspect when buying auto insurance. Urban drivers tend to have more traffic problems and a longer drive to work. Fewer people means reduced accidents.

Auto Insurance Prices in Orem, Utah

When shopping for auto insurance there are multiple ways to compare quotes from auto insurance companies in your area. The recommended way to find competitive insurance rates is to use the internet to compare rates. This can be accomplished using a couple different methods.

  1. The fastest way to find low rates is to use a rate comparison form click here to open form in new window. This type of form prevents you from having to do repetitive form entry for every auto insurance company. One simple form will get you price quotes direct from many companies.
  2. A less efficient way to compare prices is to take the time to go to the website of each company to complete a price quote. For examples sake, we’ll assume you want comparison quotes from USAA, GEICO and Allstate. You would have to visit each site and enter your policy data, which is why most consumers use the first method. To view a list of companies in Orem, click here.

It’s up to you how you get prices quotes, just make absolute certain that you use identical coverages and limits for each comparison quote. If you compare different deductibles then you won’t be able to find the best deal in Orem. Just a small difference in coverages may result in large price differences. Keep in mind that having more price comparisons will improve the odds of getting the best rates.

Save $396 a year? Really?

Auto insurance providers like Allstate, GEICO and Progressive constantly bombard you with ads on TV and radio. They all make an identical promise that you can save if you switch to their company. How do they all claim to save you money? This is how they do it.<img class="alignright" style="padding-top:15px" src="" alt="Utah insurance quotes” />

Insurance companies can use profiling for the driver that is profitable for them. For instance, a preferred risk might be over the age of 50, has no prior claims, and has excellent credit. A driver who meets those qualifications will get the preferred rates and as a result will probably pay quite a bit less when switching companies.

Consumers who are not a match for the “perfect” profile will be charged higher rates which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everybody who quotes” save that kind of money. That is how companies can advertise the savings.

That is why you absolutely need to quote coverage with many companies. You cannot predict the company that will have the lowest rates.

Cut your premium with discounts

Insuring your fleet can be pricey, but you can get discounts that can drop the cost substantially. Some trigger automatically when you get a quote, but lesser-known reductions have to be specially asked for in order for you to get them.

  • New Car Discount – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Seat Belts Save – Requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Paperless Signup – Certain companies may give you up to $50 for buying a policy and signing up digitally online.
  • Sign Early and Save – Select companies give a discount for switching to them prior to your current policy expiration. It can save you around 10%.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. The good student discount can last up until you turn 25.
  • Defensive Driving Course – Taking part in a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Organization Discounts – Participating in a qualifying organization may earn a discount on auto insurance.

Consumers should know that most discount credits are not given to all coverage premiums. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, companies wouldn’t make money that way. But any discount will bring down the amount you have to pay.

To choose companies offering auto insurance discounts in Utah, follow this link.

What is the best insurance coverage?

When buying the best auto insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. For example, these questions might help in determining whether or not you would benefit from professional advice.

  • Why does it cost so much to insure a teen driver in Orem?
  • Do I need added coverage for expensive stereo equipment?
  • Who is covered when they drive my vehicle?
  • Do I need PIP (personal injury protection) coverage in Utah?
  • Does my vehicle qualify for pleasure use?
  • Am I covered when driving in Canada or Mexico?

If you can’t answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Utah insurance quotes

Additional information is located on the website for the Utah Insurance Department found here. Utah consumers can read enforcement actions against agents and companies, read consumer alerts, and learn about specific coverages.

In conclusion

While you’re price shopping online, do not skimp on coverage in order to save money. There have been many cases where an accident victim reduced liability coverage limits and found out when filing a claim that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

We just presented a lot of information how to save on auto insurance. It’s most important to understand that the more times you quote, the higher your chance of finding lower rates. Consumers may even find the lowest priced auto insurance comes from a small mutual company. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, GEICO and Progressive.

Cheap auto insurance can be purchased on the web in addition to many Orem insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.