Auto Insurance in Lehi, UT – 7 Tricks to Save Money

Perplexed by the sheer number of auto insurance choices in Lehi? You’re not the only one! Consumers have so many choices that it can quickly become a real challenge to find lower rates.

Consumers should take time to compare prices before your policy renews since insurance rates are constantly changing. Just because you had the best rates a few years ago you can probably find a better price now. So just block out anything you think you know about auto insurance because I’m going to teach you how to quote online to remove unneeded coverages and save money.

This information will teach you how car insurance quotes work and some money-saving tips. If you currently have car insurance, you will most likely be able to cut costs considerably using this strategy. Utah vehicle owners only need to know the proper way to compare company rates online.

Discounts are basically free money

Properly insuring your vehicles can get expensive, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically when you purchase, but lesser-known reductions have to be manually applied before being credited. If you’re not getting every credit possible, you are paying more than you should be.

• Payment Method – If you pay your bill all at once rather than paying monthly you could save 5% or more.
• Organization Discounts – Affiliation with certain professional organizations could qualify you for a break when buying auto insurance.
• Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
• Own a Home – Owning a home in Lehi may earn you a small savings because of the fact that having a home demonstrates responsibility.
• Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
• Sign Early and Save – Some insurance companies reward drivers for signing up before your current expiration date. It can save you around 10%.
• Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can get savings up to 30%.

As a disclaimer on discounts, many deductions do not apply the the whole policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will reduce the amount you have to pay.

To see a list of insurance companies offering auto insurance discounts in Lehi, click here.

Low Cost Lehi Auto Insurance

There are a lot of ways to compare auto insurance prices and some are less labor-intensive and much quicker. You can waste a lot of time discussing policy coverages with insurance companies in Lehi, or you can utilize the web to get rate comparisons in just a few minutes.

All the larger companies enroll in a system where prospective buyers submit their information once, and each company returns a competitive quote. This system prevents you from having to do form submissions to each individual auto insurance company. To compare rates using this form now click here (opens in new window).

One minor caviat to getting quotes like this is buyers cannot specifically choose the companies you want pricing from. So if you prefer to pick individual companies to request quotes from, we have a listing of companies who write auto insurance in Utah. Click to view list.

Whichever method you choose, compare apples-to-apples coverages and limits with each company. If the quotes have different liability limits you will not be able to make an equal comparison in Lehi.

Car insurance is unique, just like you

When choosing adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions can help discover if your insurance needs might need professional guidance.

• Do I get a pro-rated refund if I cancel my policy early?
• Does my vehicle qualify for pleasure use?
• If my vehicle is totaled, can I afford another vehicle?
• Will my vehicle be repaired with OEM or aftermarket parts?
• At what point should I drop full coverage?
• Does medical payments coverage apply to all occupants?
• Does my vehicle need full coverage?
• Does my personal policy cover me when driving my company car?
• Am I covered if I wreck a rental car?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.

Auto insurance specifics

Understanding the coverages of a auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, falling objects, a broken windshield and hail damage. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your vehicle.

Since many Utah drivers have only the minimum liability required by law (25/65/15), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like chiropractic care, hospital visits, rehabilitation expenses and X-ray expenses. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision coverage covers damage to your vehicle resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with a tree, hitting a mailbox, backing into a parked car and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Liability – Liability insurance will cover injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as repair costs for stationary objects, structural damage, medical expenses and attorney fees. How much coverage you buy is a personal decision, but consider buying higher limits if possible. Utah requires drivers to carry at least 25,000/65,000/15,000 but you should think about purchasing better liability coverage.

Quote more, save more

Affordable auto insurance can be bought online as well as from independent agents in Lehi, and you need to comparison shop both in order to have the best chance of saving money. Some companies don’t offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

Consumers leave their current company for a number of reasons such as extreme rates for teen drivers, denial of a claim, delays in responding to claim requests and delays in paying claims. Regardless of your reason, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.

When you buy insurance online, make sure you don’t buy poor coverage just to save money. In many instances, an accident victim reduced collision coverage only to discover later they didn’t purchase enough coverage. Your goal should be to get the best coverage possible at the best price while not skimping on critical coverages.