Save Money on Sandy Auto Insurance Rates in Five Minutes

Searching for the lowest cost Sandy auto insurance on the web is impossible for people who are new to shopping for insurance online. When there are so many companies in the marketplace, how can consumers even start to compare them all to find the best available rates?

The purpose of this post is to help you learn how car insurance quotes work. If you have car insurance now, you will most likely be able to lower your premiums substantially using this information. Utah consumers only need an understanding of the proper methods to find the lowest price over the internet.

How to Compare Sandy Auto Insurance Costs

All the larger auto insurance companies such as State Farm and Allstate give prices for coverage directly from their websites. Obtaining pricing is pretty painless as you simply enter your coverage information into the quote form. When complete, their system automatically orders information on your driving record and credit history and returns pricing information determined by many factors.

Quoting online makes comparing rates easy, but the process of having to visit a lot of sites and enter the same data into a form can be a bit repetitive. But it is imperative to do this in order to find the lowest price.

A more efficient way to find better auto insurance pricing uses one form to obtain quotes from more than one company. This type of form saves time, requires less work, and makes price shopping online much more enjoyable and efficient. As soon as you send your information, your coverage is rated with multiple companies and you can pick your choice of the resulting price quotes.

If you find a better price you can click and sign and purchase the new policy. The whole process takes 15 minutes at the most and you will know how your current rates stack up.

To save time and compare rates now, click here to open in a new tab and fill out the form. If you have a policy now, it’s recommended you enter coverages and limits identical to your current policy. This way, you will get comparison quotes for the exact same coverage.

More discounts equal less premium

The price of auto insurance can be rather high, but you can get discounts that many people don’t even know exist. Some discounts apply automatically at the time you complete a quote, but lesser-known reductions have to be requested specifically prior to receiving the credit. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Passive Restraints – Factory air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Use Seat Belts – Requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • New Car Discount – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • No Accidents – Drivers with accident-free driving histories pay less when compared with accident-prone drivers.
  • Early Signing – Some insurance companies reward drivers for buying a policy before your current policy expires. This can save 10% or more.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.

Consumers should know that most discount credits are not given to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts will bring down the amount you have to pay.

To choose providers with discount auto insurance rates in Utah, click here.

Buying auto insurance from a local agent

A small number of people would prefer to buy from a local agent and that is OK! Good agents can help determine the best coverages and help file insurance claims. One of the best bonuses of comparing rates online is you may find the lowest rates but still work with a licensed agent. And supporting small agencies is important especially in Sandy.

For easy comparison, once you complete this short form, your insurance coverage information is submitted to companies in Sandy who will return price quotes for your coverage. There is no reason to even leave your home as quotes are delivered to the email address you provide. Now that’s easy!

Two different types of insurance agencies

If you’re trying to find local Sandy agents, you must know there are a couple different types of agents that you can select. Agents are categorized either captive or independent. Both types can properly insure your vehicles, but it’s good to learn how they differ since it may influence the selection process.

Independent Insurance Agents

Independent agencies are not locked into one company but instead can place your coverage with multiple insurance companies and potentially find a lower price. If your agent finds better pricing, they simply move the coverage in-house and you won’t have to switch agencies.

When shopping rates, it’s recommended you include several independent insurance agents to get the best comparison. They also have the ability to place coverage with smaller companies who may have lower rates.

Shown below is a short list of independent insurance agencies in Sandy who may be able to give you rate quotes.

  • All State Insurance – 9339 S 1300 E # 5 – Sandy, UT 84094 – (801) 553-0236
  • Infinity Insurance Co – 39 W 9000 S – Sandy, UT 84070 – (801) 619-6288
Captive Insurance Agents

Captive insurance agents can only place business with one company such as State Farm, Allstate and AAA. These agents are unable to give you multiple price quotes so keep that in mind. Captive agents are trained well in insurance sales which can be an advantage. Consumers frequently purchase coverage from captives primarily because of loyalty to the company and the convenience of having a single billing for all their coverages.

Below are captive agents in Sandy that can give you price quotes.

  • Utah Farm Bureau Federation – 9865 S State St – Sandy, UT 84070 – (801) 233-3000
  • State Farm Insurance – 1270 E 8600 S # 8 – Sandy, UT 84094 – (801) 566-5111
  • American Family Insurance – 743 E 9400 S # 100 – Sandy, UT 84094 – (801) 568-3113
  • Allstate Insurance – 35 W 10600 S – Sandy, UT 84070 – (801) 571-4477
  • Farmers Insurance Group – 9429 Union Sq – Sandy, UT 84070 – (801) 501-0900

To view a full list of auto insurance agents in Sandy, please click here.

Choosing a car insurance agent needs to be determined by more than just the price. Any agent should be forthright in answering these questions:

  • Are they able to influence company decisions when a claim is filed?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Which members of your family are coverage by the policy?
  • Do they receive special compensation for putting your coverage with one company over another?

Upon receiving good answers to all your questions as well as a affordable price, you have narrowed it down to a car insurance agent that meets your needs to adequately provide auto insurance.

But I don’t know anything about car insurance

When buying the best auto insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining if your situation may require specific advice.

  • Is my custom paint covered by insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • Can I drive in Mexico and have coverage?
  • Is my babysitter covered when using my vehicle?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my cargo covered for damage or theft?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does my vehicle need full coverage?
  • Does my vehicle qualify for pleasure use?
  • What is covered by UM/UIM coverage?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

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Buy Cheaper Auto Insurance with These Tips

It’s important that you understand some of the elements that help determine your auto insurance rates. Understanding what influences your rates helps enable you to make changes that can help you get much lower annual insurance costs.

The following are some of the items that factor into your rates.

  • Do you need those extra coverages? – There are a ton of add-on coverages you can purchase when buying auto insurance. Things like vanishing deductibles, better glass coverage and motor club memberships may be costing you every month. They may seem like a good idea at first, but if you don’t need them remove them from your policy.
  • How your age affects price – More mature drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets. Teenage drivers have a tendency to get distracted easily when driving and because of this, their auto insurance rates are much higher.
  • Bundling policies can get discounts – Most insurers provide better rates to customers who buy several policies from them such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even with this discount, you still need to shop around to confirm you are receiving the best rates possible. You may still be able to find a better deal by splitting coverages up.
  • Your credit rating is important – Having a bad credit score is a large factor in determining your rates. If your credit score is lower than you’d like, you could be paying less to insure your by improving your credit score. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have poor credit.
  • High crash test scores lower rates – Safer cars can get you lower premiums. These vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders.

Online plus local equals savings

Cheap auto insurance is possible from both online companies and also from your neighborhood Sandy agents, and you need to comparison shop both to have the best rate selection. Some auto insurance companies may not provide online price quotes and these small, regional companies work with independent agents.

We covered some good ideas how you can get a better price on auto insurance. The key concept to understand is the more you quote, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with the least-expected company.

Consumers who switch companies do it for a variety of reasons including lack of trust in their agent, policy non-renewal, poor customer service or even delays in paying claims. It doesn’t matter what your reason, choosing a new company is not as hard as you think.

Additional information is available on the Utah Insurance Department website located here. Visitors are able to learn about insurance regulations, find a variety of consumer forms, report car insurance fraud, and read consumer alerts.