Little Known Advice on Paying Less for Pleasant Grove Utah Auto Insurance

Have you had enough of robbing Peter to pay Paul each month for car insurance? You’re in the same situation as many other Utah drivers. Companies like GEICO, 21st Century and Progressive increase brand awareness with TV and radio ads and it can be hard to see through the deception and effectively compare rates to find the best deal.

If you are insured now or are shopping for new coverage, you can use these tips to find the best rates and still get good coverage. Finding affordable coverage in Pleasant Grove is not rocket science. Utah consumers only need an understanding of the proper way to get comparison rates over the internet.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but there could be available discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you get a quote, but some must be manually applied before they will apply. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • No Accidents – Drivers with accident-free driving histories pay less when compared with bad drivers.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for reduced rates.
  • Fewer Miles Equal More Savings – Keeping the miles down could qualify for discounted rates on garaged vehicles.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Homeowners Discount – Owning a house in Pleasant Grove may trigger a auto insurance policy discount because of the fact that having a home shows financial diligence.
  • Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.

Keep in mind that many deductions do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates you can get free auto insurance, auto insurance companies aren’t that generous. But any discount will bring down your overall premium however.

To see a list of companies with discount auto insurance rates in Utah, click here to money image

Lower the Price of Insurance with These Tips

It’s important that you understand the different types of things that help determine your auto insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that could result in lower auto insurance prices.

The following are a partial list of the pieces used by your company to calculate premiums.

  • How many coverages with the same company – Many companies give discounts to policyholders who buy several policies from them in the form of a multi-policy discount. Even with this discount, it’s in your best interest to compare rates to confirm you are receiving the best rates possible.
  • Tickets mean higher rates – Careful drivers get better rates compared to drivers with tickets. Only having one moving violation can boost insurance rates by as much as thirty percent. Drivers with flagrant tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with their state motor vehicle department in order to keep their license.
  • Special features that cut premiums – Purchasing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping auto theft.
  • Liability insurance protects assets – Liability insurance is the coverage that protects you if ever a court rules you are at fault for personal injury or accident damage. It provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.

When might I need an agent?

When choosing the best auto insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique and your policy should reflect that. These are some specific questions could help you determine if your situation would benefit from professional advice.

  • Should I buy only the required Utah minimum liability coverage?
  • Do all my vehicles need collision coverage?
  • What can I do if my company denied a claim?
  • Who is covered when they drive my vehicle?
  • At what point should I drop full coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When would I need additional glass coverage?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

More information can be found on the website for the Utah Insurance Department through this link. Visitors are able to view agent and company licensing information, file complaints about a company, and find out which companies have the most complaints.

Also read more on’s Understanding your Policy and this link where you can make Pleasant Grove auto insurance comparisons.

More comparisons equals lower rates

In this article, we presented many tips how you can save on auto insurance. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. Consumers could even find that the best price on auto insurance is with the least-expected company. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive or GEICO.

As you go through the steps to switch your coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced liability limits or collision coverage and learned later they didn’t purchase enough coverage. Your aim should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.