Save Money on American Fork, UT Car Insurance Rates in Five Minutes

Nobody cherishes buying car insurance, in particular when their premiums are too high. Many auto insurance companies compete for your business, so it can be very hard to choose a provider and get the best coverage at the lowest cost out there.

You probably qualify for some discounts

Companies don’t necessarily list every available discount very well, so we took the time to find some of the best known and the more hidden discounts you could be receiving. If you don’t get every credit possible, you’re just leaving money on the table.

  • Safe Driver Discount – Safe drivers may save up to 50% more than their less cautious counterparts.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Early Switch Discount – Some insurance companies reward drivers for switching policies prior to your current policy expiring. It’s a savings of about 10%.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Federal Employees – Simply working for the federal government may qualify you for a discount depending on your company.
  • Seat Belt Usage – Drivers who require all occupants to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Accident Free – Claim-free drivers can save substantially when compared to frequent claim filers.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.

Consumers should know that many deductions do not apply to the entire policy premium. A few only apply to individual premiums such as liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

To see a list of companies with the best car insurance discounts in Utah, click here to view.

Lower your American Fork Car Insurance Rates

Consumers need to have an understanding of some of the elements that go into determining your car insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that could result in better car insurance rates.

Listed below are some of the factors car insurance companies consider when setting premiums.

  • Older drivers save more – Young drivers in Utah have a tendency to be careless and easily distracted behind the wheel so car insurance rates are higher. Having to add a teenage driver onto your car insurance can be quite pricey. Older drivers are more cautious drivers, file fewer claims and tend to be better behind the wheel.
  • Poor driving leads to higher costs – Drivers with clean records have lower premiums than bad drivers. Even one moving violation may increase your cost twenty percent or more. Drivers who have serious citations like hit and run, DWI or reckless driving convictions may need to file a SR-22 with their state motor vehicle department in order to continue driving.
  • Claim-free discounts can add up – If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Companies in Utah provide lower rates to insureds who file claims infrequently. Auto insurance is meant to be used in the event of larger claims.
  • More performance means more cost – The make and model of the car you drive makes a significant difference in determining your rates. The cheapest insurance rates are usually for small economy passenger cars, but there are many factors that impact the final cost.

More detailed Utah car insurance information can be found at the Utah Insurance Department website. Consumers can view a list of available companies, learn about insurance regulations, find out which companies have the most complaints, and read enforcement actions against agents and companies.

A tidy conclusion

Budget-conscious car insurance is definitely available from both online companies and also from your neighborhood American Fork agents, so compare prices from both to have the best selection. Some car insurance companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

You just read a lot of tips how to shop for car insurance online. It’s most important to understand that the more you quote, the better chance you’ll have of finding lower rates. Consumers may even find the biggest savings come from a smaller regional carrier. These companies can often provide lower rates in certain areas than the large multi-state companies such as GEICO and State Farm.

As you prepare to switch companies, you should never buy less coverage just to save a little money. There are too many instances where consumers will sacrifice uninsured motorist or liability limits only to regret they didn’t have enough coverage. Your strategy should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.