Is Your Cedar City, UT Auto Insurance Too High?

I can’t think of a single person who looks forward to buying auto insurance, especially knowing their premiums are through the roof. Many auto insurance companies compete to insure your vehicles, and because of this it can be hard to compare car insurance companies and get the best coverage at the lowest rate possible.

If you have a policy now or need a new policy, you can use these techniques to reduce the price you pay while maintaining coverages. Finding affordable coverage in Cedar City is not that difficult. Utah drivers only need to know the most effective way to compare rates on the web.

Vehicle Insurance Comparison

Performing a rate comparison can be a lot of work if you don’t utilize the most efficient way to do it. You can spend your afternoon discussing policy coverages with insurance companies in Cedar City, or you can stay home and use the internet to quickly compare rates.

All the larger companies enroll in a system where insurance shoppers send in one quote, and every company provides a quote. This prevents consumers from doing repetitive form submissions to every company.

To enter your information into the quoting system, click here to start a free quote.<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-111.jpg" alt="Cedar City Utah insurance quotes“/>

The one disadvantage to using this type of system is that you can’t choose the providers to receive prices from. If you would rather choose specific insurance companies to compare rates, we have a listing of companies who write auto insurance in Utah. Click to view list.

Which method you use is up to you, but make absolute certain that you use exactly the same coverage limits for every quote you compare. If your comparisons have unequal deductibles or liability limits you will not be able to find the best deal in Cedar City.

Lots of discounts mean lots of savings

Insuring your vehicles can cost a lot, but there are discounts available that can drop the cost substantially. Certain discounts will be triggered automatically at quote time, but a few must be asked about in order for you to get them. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off your medical payments premium.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Own a Home – Being a homeowner can help you save on auto insurance due to the fact that maintaining a home demonstrates responsibility.
  • Resident Student – Youth drivers living away from home attending college and do not have a car can receive lower rates.
  • Accident Forgiveness – Some insurance companies allow you one accident before raising your premiums if you are claim-free prior to the accident.

Drivers should understand that some of the credits will not apply the the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky. But any discount will cut the amount you have to pay.

For a list of insurers offering auto insurance discounts in Cedar City, follow this link.

Situations that might require an agent

When it comes to choosing coverage, there isn’t really a “perfect” insurance plan. Every situation is different so your insurance needs to address that. For instance, these questions can aid in determining if your insurance needs will benefit from professional help.

  • Is business property covered if stolen from my car?
  • Do I need PIP coverage since I have good health insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Am I getting all the discounts available?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.

Some additional reading

Much more information about auto insurance in Utah can be found on the website for the Utah Insurance Department found here. Utah consumers can read enforcement actions against agents and companies, find a variety of consumer forms, and file complaints about an insurance agent or broker.