Insider Techniques to Cheaper Draper Utah Auto Insurance

No one likes having to buy auto insurance, in particular when their premiums are through the roof.

Big companies like State Farm, Progressive and GEICO all claim big savings with TV and radio ads and it is difficult to sift through the bull and find the best price available.

It’s important to check auto insurance prices on a regular basis since rates trend upward over time. Even if you think you had the best deal a year ago you may be paying too much now. Forget all the misinformation about auto insurance because we’re going to demonstrate the proper way to properly buy coverages while reducing your premium.

If you are paying for car insurance now, you stand a good chance to be able to save some money using this strategy. Choosing the best insurance company for you in Draper is not rocket science. Nevertheless, Utah vehicle owners do need to know how big insurance companies sell insurance online.

Automobile Insurance Quotes in Draper, Utah

When shopping for auto insurance there are multiple ways to compare rate quotes from local in Draper, Utahauto insurance companies. The easiest way to find competitive insurance rates is to get quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The most efficient way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This method eliminates the need for separate quotation requests to each individual auto insurance company. Taking the time to complete one form gets rate comparisons from auto insurance companies with the best prices.
  2. A slightly less efficient method to get comparison quotes consists of going to the website for each individual company and complete a new quote form. For examples sake, we’ll pretend you want rates from Liberty Mutual, Farmers and GMAC. To find out each rate you need to go to every website and enter your information, which is why most consumers use the first method.

    To view a list of companies in Draper, click here.

It’s up to you how you get prices quotes, just ensure you’re using the exact same coverage limits and deductibles for each comparison quote. If you use different deductibles it’s impossible to truly determine the lowest rate in Draper. Slightly different coverages could mean much higher rates. And when price shopping your coverage, more quotes helps you find a lower rate.

Are auto insurance companies telling the truth?

Auto insurance companies such as State Farm, Allstate and GEICO constantly bombard you with ads on TV and radio. They all seem to say the same thing of big savings if you switch to their company. How does each company claim to save you money?

Different companies can use profiling for the driver that is profitable for them. For instance, a profitable customer might be between 25 and 40, a clean driving record, and has great credit. A customer who matches those parameters will get very good rates and most likely will save quite a bit of money when switching.

Potential insureds who do not match the “perfect” profile will be charged higher premiums which leads to business not being written. The ad wording is “drivers who switch” not “people who quote” save money. That’s why insurance companies can make the claims of big savings. That is why it is so important to quote coverage with many companies. It’s just too difficult to predict which company will provide you with the cheapest rates.

Save money by taking advantage of these discounts

Companies that sell car insurance don’t list every discount very clearly, so we took the time to find some of the best known as well as the least known ways to save on auto insurance.

  • Driver’s Ed – Have your child successfully complete driver’s ed class in school.
  • Driver Safety – Successfully completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Fewer Miles Equal More Savings – Keeping the miles down can qualify you for discounted rates on garaged vehicles.
  • Homeowners Savings – Owning a home in Draper can help you save on auto insurance because maintaining a house demonstrates responsibility.
  • Accident Waiver – Some insurance companies will forgive one accident before your rates go up so long as you haven’t had any claims prior to the accident.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Passive Restraint Discount – Factory air bags or motorized seat belts can get savings up to 30%.
  • Distant Student – Youth drivers living away from home attending college without a vehicle on campus can receive lower rates.

It’s important to note that some credits don’t apply to the entire cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way.

To choose insurers offering auto insurance discounts in Utah, click this link.

free Utah insurance quote

Additional detailed information is located at the Utah Insurance Department website. Utah drivers can find out which companies have the most complaints, learn about insurance regulations, and file complaints about a company.

Smart shoppers get results

Low-cost auto insurance is attainable on the web as well as from independent agents in Draper, and you should be comparing both in order to have the best chance of saving money. Some companies don’t offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

In this article, we covered many ideas to save on auto insurance. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even discover the lowest rates come from an unexpected company. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate or State Farm.