Know How to Find the Cheapest Price on Payson, UT Auto Insurance

Saving money on Payson auto insurance can be challenging for people who are new to comparison shopping online. People have so many choices that it can be a big hassle to locate the lowest price in Payson.

Smart consumers take time to compare prices quite often due to the fact that insurance rates go up and down regularly. Even if you got the lowest price six months ago there may be better deals available now. So forget all the misinformation about auto insurance because you’re about to learn how to use online quotes to save money, get proper coverage and the best rates.

Finding Auto Insurance in Payson, UT

Most major insurance companies like Progressive, GEICO, Allstate and State Farm allow you to get pricing online. This process is quite simple as you simply enter your coverage preferences as requested by the quote form. When complete, the system makes automated requests for your credit score and driving record and generates a price based on these and other factors.

Online price quotes makes it a lot easier to compare rates but the time it takes to visit different websites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to perform this step in order to find the best price possible.

The better way to compare rates

A quicker way to compare auto insurance pricing makes use of a single form that gets prices from multiple companies. It saves time, reduces the work, and makes quoting online a little more enjoyable. As soon as you send your information, your coverage is rated with multiple companies and you can pick any of the returned quotes. If a lower price is quoted, you simply finish the application and purchase coverage. The whole process just takes a couple of minutes and may result in a nice savings.

To save time and find out how much you can save on auto insurance, simply click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you type in the coverages exactly as shown on your declarations page. Doing this assures you will have an apples-to-apples comparison for exact coverage.

The fine print in auto insurance ads

Utah consumers can’t get away from ads that promise big savings from companies such as Progressive, GEICO, Allstate and State Farm. All the ads make the same claim of big savings if you change your policy.

How can each company make almost identical claims? This is how they do it.

All companies can use profiling for the type of customer that earns them a profit. For instance, a preferred risk could be over the age of 40, insures multiple vehicles, and has great credit. Any driver that hits that “sweet spot” will get the preferred rates and most likely will save quite a bit of money when switching.

Consumers who are not a match for the requirements will be quoted higher rates which leads to business going elsewhere. The ad wording is “customers that switch” but not “drivers who get quotes” save that kind of money. That is how insurance companies can state the savings. This emphasizes why it’s extremely important to compare as many rates as you can. You cannot predict the company that will give you the biggest savings.

Why your price might be higher

It’s important that you understand the rating factors that come into play when calculating your auto insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that will entitle you to much lower annual insurance costs.

Marriage pays dividends – Being married can get you a discount when buying auto insurance. Having a spouse is viewed as being more mature and it’s proven that being married results in fewer claims.
Save money with special equipment – Choosing a vehicle with an alarm system can save you a little every year. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
High credit ratings translate to low rates – A driver’s credit history is a large factor in determining what you pay for auto insurance. If your credit history is not that good, you could be paying less to insure your by spending a little time repairing your credit. People with excellent credit tend to be more responsible as compared to drivers with lower credit scores.
Pleasure use saves money – The more miles you rack up on your car in a year the higher your rate. Most companies apply a rate determined by how the vehicle is used. Vehicles not used for work or commuting qualify for better 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.
Choose a safe vehicle and save – Vehicles with high crash test scores get lower rates. The safest vehicles reduce injuries and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates.
Always keep insurance in force – Driving without insurance is a misdemeanor and as a result your rates will increase for letting your coverage have a gap. And not only will your rates increase, but being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.Then you may be required to prove you have insurance by filing a SR-22 with the Utah DMV.
High numbers of claims are not good – If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Car insurance companies in Utah award discounts to policyholders who do not file claims often. Your insurance policy is intended for larger claims.

Don’t overlook these discounts

Car insurance companies don’t always list all available discounts in a way that’s easy to find, so here is a list both well-publicized as well as the least known auto insurance savings. If you aren’t receiving every discount possible, you’re just leaving money on the table.

Organization Discounts – Affiliation with a civic or occupational organization could qualify you for a break on auto insurance.
Safe Drivers – Drivers who avoid accidents can pay as much as 50% less than their less cautious counterparts.
More Vehicles More Savings – Insuring multiple cars or trucks with the same company qualifies for this discount.
Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
Payment Method – By paying your policy upfront instead of paying each month you can actually save on your bill.
Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
Bundle and Save – When you combine your home and auto insurance with one company you may save up to 20% off your total premium.
Life Insurance – Companies who offer life insurance give a break if you buy life insurance from them.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way.

To choose providers who offer auto insurance discounts in Payson, click here.

Are insurance agents a thing of the past?

Certain consumers would rather sit down with an agent. Insurance agents can answer important questions and help file insurance claims. One of the best bonuses of price shopping on the web is that you can obtain better rates but also keep your business local.

Once you complete this short form, your insurance data is emailed to insurance agents in Payson who will give you bids to get your business. You never need to drive around as quotes are delivered to your email. How’s that for easy!

Picking an insurer requires more thought than just the price. Ask your prospective agent these questions:

If you are a high risk driver, do they have special markets for your coverage?
What will you get paid if your car is a total loss? How is that amount determined?
Are claims handled at the agent’s location?
What insurance companies do they work with?
Is their price quote a firm figure or are their hidden costs?
Will their companies depreciate repairs to your car based on the mileage?
Do they make recommendations based only on price?

Is a captive or independent insurance agency right for you?

When researching a reputable insurance agent or broker, there are a couple of different types of agents to choose from. Agencies in Payson can either be independent (non-captive) or captive. Both do a good job, but it’s important to know how they differ because it can impact the type of agent you choose

Captive Insurance Agents

These agents have only one company to place business with such as State Farm or Allstate. Captives cannot provide prices from multiple companies so always compare other rates. These agents are well schooled in insurance sales which can be an advantage. Consumers frequently choose to use a captive agent mainly due to high brand loyalty and the convenience of having all coverages with one company.

Shown below is a short list of captive insurance agencies in Payson who can help you get price quote information.

Allstate Insurance – 765 E 100 N – Payson, UT 84651 – (801) 465-4574
Farmers Insurance Group – 25 S 100 W – Payson, UT 84651 – (801) 465-9271

Independent Agents (or Brokers)

These agents are not required to write business for one company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the business is moved internally and that require little work on your part. When searching for an agent, we recommend you contact multiple independent agents to have the most options to choose from. Most have the option of insuring with lesser-known insurance companies which can be an advantage.

Shown below is a list of independent agencies in Payson that are able to give price quote information.

Behling Insurance – 2 N Main St – Payson, UT 84651 – (801) 465-4893
Richard E Chapman Insurance – 279 N 700 E – Payson, UT 84651 – (801) 465-9015

For a complete listing of Payson insurance agents, visit this link.

Once you have answers to your satisfaction for all questions you ask and an acceptable price quote, you’ve probably found an insurance agency that is a good match to insure your vehicles.

Compare but don’t skimp

We covered a lot of tips how to reduce auto insurance prices online. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest priced auto insurance comes from some of the lesser-known companies.

When buying insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced full coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage at the best price while still protecting your assets.

Drivers leave their current company for a variety of reasons including delays in paying claims, not issuing a premium refund, extreme rates for teen drivers or even questionable increases in premium. It doesn’t matter why you want to switch finding the right auto insurance provider is not as difficult as it may seem.

Additional detailed information can be read at the Utah Insurance Department website. Utah drivers can find out industry alerts, learn about insurance regulations, find a variety of consumer forms, and file complaints about an insurance agent or broker.