Things You Must Know Before Purchasing Murray, UT Auto Insurance Online

Are you a victim of high-priced auto insurance? Believe me when I say there are lots of people in the same boat.

Numerous car insurance companies battle for your insurance dollar, so it can be very hard to choose a insurer and get the best coverage at the lowest rate possible.

You should take the time to shop coverage around on a regular basis since insurance rates are adjusted regularly by insurance companies. Just because you had the best price six months ago a different company probably has better rates today. Ignore everything you know about auto insurance because we’re going to demonstrate the easiest way to properly buy coverages while reducing your premium.

If you are paying for car insurance now, you should be able to save some money using these techniques. Buying car insurance in Murray is quite easy. But Utah car owners do need to know how insurance companies market on the web and take advantage of how the system works.

Free Murray Auto Insurance Quotes

Shopping for lower auto insurance rates can be challenging if you don’t know the most efficient way. You could spend your day talking to agents in Murray, or you could use online quoting to maximize your effort.

Most of the larger companies belong to a marketplace where prospective buyers submit one quote, and every company returns a competitive quote. This eliminates the need for quote forms for each company.

To compare rates using this form now click here (opens in new window).

One minor caviat to using this type of system is you are unable to specify which insurance companies to get pricing from. So if you want to select specific providers to compare prices, we have a listing of the cheapest auto insurance companies in Utah. Click to view list.

Whichever method you choose, ensure you are comparing exactly the same coverage limits with each company. If each company quotes different limits and deductibles on each one it will be very difficult to make a fair comparison in Murray. Slightly different limits may result in a large different in cost. Keep in mind that getting more free quotes helps locate a lower rate.

Are you getting all your discounts?

Companies offering auto insurance don’t always list all their discounts very clearly, so here is a list some of the best known and the more hidden discounts you could be receiving.

  • Distant Student – Kids in college who live away from home without a vehicle on campus may qualify for this discount.
  • Good Student – This discount can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Early Signing – Some companies give discounts for switching policies prior to your current policy expiring. This can save 10% or more.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • No Claims – Good drivers with no accidents can earn big discounts compared to accident-prone drivers.
  • Low Mileage – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.

Drivers should understand that most discount credits are not given to the overall cost of the policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So when it seems like you can get free auto insurance, it just doesn’t work that way.

To see a list of companies offering auto insurance discounts in Utah, click here to view.Auto insurance in Murray

Why some people pay less for insurance in Murray

Smart consumers have a good feel for the different types of things that play a part in calculating auto insurance rates. Understanding what influences your rates empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

  • A lapse in coverage is a bad thing – Not having insurance is against the law and as a result your rates will increase for letting your coverage have a gap. And not only will insurance be more expensive, but being ticketed for driving with no insurance might get you a revoked license or a big fine.You may have to prove you have insurance by filing a SR-22 with the Utah DMV.
  • Small claims can cost you – If you are a frequent claim filer, you can expect either higher rates or even cancellation. Companies in Utah generally give discounts to drivers who do not rely on their insurance for small claims. Car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Lower miles equals lower premium – The higher the mileage driven in a year the more you’ll pay to insure your vehicle. Most insurance companies apply a rate based upon how you use the vehicle. Cars and trucks that are left in the garage can get a lower rate compared to those used for work or business. Verify your auto insurance declarations sheet is rated on the correct usage for each vehicle, because it can save money.
  • Cautious drivers pay less – Good drivers receive lower rates compared to drivers with tickets. Only having one moving violation can increase rates by as much as thirty percent. Drivers who get flagrant violations such as DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
  • Lower rates with optional equipment – Owning a car with a theft deterrent system can help lower your rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your vehicle from being stolen.
  • Bundling policies can get discounts – Most insurers will award you with lower prices to people who have multiple policies with them in the form of a multi-policy discount. Even with this discount, you may still want to compare rates to confirm you are receiving the best rates possible.
  • High deductibles save money – Physical damage deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some instances where coverage would apply are colliding with a building, vandalism, and rolling your vehicle. The higher the amount you are required to pay out-of-pocket, the less your auto insurance will be.

What about my local Murray agents?

Some people prefer to talk to a local agent and that is just fine! The best thing about price shopping on the web is the fact that you can find the lowest rates and still have an agent to talk to.

Upon completion of this form (opens in new window), the quote information gets sent to local insurance agents in Murray who will compete for your insurance coverage. There is no reason to leave your computer as quotes are delivered to the email address you provide. It doesn’t get any easier! You can find the lowest rates AND an agent nearby.

Choosing an insurance company should depend on more than just a low price. These are valid questions to ask:

  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Do they specialize in personal lines coverage?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Does the company allow you to choose your own collision repair facility?
  • Who is covered by the car insurance policy?

What type of Murray insurance agent is right for you?

When looking for local Murray agents, there are two types of agencies that you can select. Agents are classified as either captive or independent.

Captive Agents

These agents write business for a single company and examples are AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They usually cannot shop your coverage around so they are skilled at selling on more than just price. Captives are well schooled on their products and sales techniques which helps them compete with independent agents.

Shown below is a short list of captive agencies in Murray willing to provide price quote information.

Liberty Mutual Insurance – 756 E Winchester St – Murray, UT 84107 – (801) 685-0515
Allstate Insurance – 404 E 4500 S # B34 – Murray, UT 84107 – (801) 685-8450
State Farm Insurance – 5063 S State St – Murray, UT 84107 – (801) 261-4337
Farmers Insurance Group – 525 W 5300 S # 125 – Murray, UT 84123 – (801) 262-8651

Independent Insurance Agents

These agents are not locked into one company so they can insure your vehicles with any number of different companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies and that require little work on your part. When shopping rates, it’s a good idea to contact several independent insurance agents to get the best comparison.

Below are independent insurance agencies in Murray that can give you comparison quotes.

Inter-Americas Insurance Corp – 64 E 6400 S # 210 – Murray, UT 84107 – (801) 268-6957
Simplified Insurance Marketing – 262 E 3900 S # 128 – Murray, UT 84107 – (801) 261-1305
Alder Insurance Agency – 1035 Bellwood Ln – Murray, UT 84123 – (801) 968-1172
Eriksen Agency – 4901 S State St # E – Murray, UT 84107 – (801) 264-9222

To view a complete directory of auto insurance agents in Murray, go to this page.

Once you have positive responses to these questions as well as a affordable price, you have narrowed it down to an auto insurance agent that meets your needs to properly insure your vehicles.

More tips and info about auto insurance can be read at the Utah Insurance Department website. Visitors are able to discover disciplinary actions, find disaster information, and file complaints about a company.

Don’t listen to company ads

Auto insurance providers like Progressive, GEICO, Allstate and State Farm consistently run ads on television and other media. They all say the same thing of big savings if you change your policy. How do they all make almost identical claims?

Different companies have a preferred profile for the right customer that is profitable for them. For instance, a profitable customer might be between the ages of 40 and 55, insures multiple vehicles, and has excellent credit. A customer that hits that “sweet spot” will qualify for the lowest rates and most likely will save when switching.

Consumers who are not a match for the “perfect” profile will be quoted more money and ends up with business not being written. The ads state “drivers who switch” not “everyone that quotes” save that much money. That is how insurance companies can make those claims. This emphasizes why it is so important to get a wide range of price quotes. It’s just too difficult to predict which auto insurance company will provide you with the cheapest rates.

Better coverage you can count on

We just showed you a lot of ways to compare auto insurance prices online. It’s most important to understand that the more price quotes you have, the higher your chance of finding lower rates. You may even discover the lowest priced auto insurance comes from some of the lesser-known companies. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

Low-cost auto insurance can be bought online and also from your neighborhood Murray agents, and you should compare price quotes from both to have the best rate selection. A few companies may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.