How to Know You’re Wasting Money for Auto Insurance in Syracuse, UT
Perplexed by the dozens of auto insurance companies in Syracuse? Many other drivers are as well. Drivers have so many options that it can easily become a real hassle to locate the lowest price.
Buying car insurance in Syracuse is not rocket science. If you are insured now or are just looking to switch companies, you can learn to find the best rates and possibly find even better coverage. Utah drivers just need to learn the best way to get comparison rates online.
Which Auto Insurance is Cheapest in Syracuse?
Lowering your auto insurance rates is a fairly straight forward process. All you need to do is invest a few minutes comparing price quotes online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.
- The first (and easiest) way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This easy form keeps you from doing separate forms for each company you want a rate for. Just one form will get you rate comparisons from all major companies. Just one form and you’re done.
- A more difficult way to analyze rates consists of visiting the website of each company to complete their respective quote request forms. For instance, we’ll pretend you want to compare rates from Auto-Owners, Liberty Mutual and Farmers. To get each rate you have to visit each site to input your insurance information, which is why the first method is more popular.
For a list of links to insurance companies in Syracuse, click here.
- The most time-consuming method to get comparison rates is driving around to and from local insurance agencies. Shopping for auto insurance online can eliminate the need for a local agent unless you have a need for the professional guidance of a local agent. However, consumers can compare the best prices online and still use a local agent and we’ll cover that in a bit.
Whichever way you use, compare exactly the same coverage limits on every quote you get. If you are comparing differing limits you can’t possibly determine the best price in Syracuse.
When might I need an agent?
When it comes to buying the right insurance coverage for your vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.
These are some specific questions may help highlight if your insurance needs might need professional guidance.
- Do I need PIP coverage since I have good health insurance?
- Why am I required to get a high-risk car insurance policy?
- Do I need motorclub coverage?
- What is covered by UM/UIM coverage?
- What happens if I owe more than my vehicle is worth?
- Do I need special endorsements for business use of my vehicle?
- When would I need additional glass coverage?
If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.
What about my local Syracuse agents?
Certain consumers would prefer to talk to a local agent. Agents are trained to spot inefficiencies and give you someone to call. The biggest benefit of comparing rates online is the fact that you can find lower rates and still choose a local agent.<img class="alignright" style="padding-top:15px" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-115.jpg" alt="Car insurance in Utah” />
To help locate an agent, after submitting this simple form, your information is immediately sent to agents in your area who will battle for your coverage. You never need to even leave your home due to the fact that quote results will go directly to your email. Now that’s easy!
Choosing an insurance company requires more thought than just a cheap price. Agents should be asked these questions:
- Is the agency involved in supporting local community causes?
- Are they properly licensed to sell insurance in Utah?
- Are claims handled at the agent’s location?
- What will you get paid if your car is a total loss? How is that amount determined?
- If they are an independent agency, which companies do they recommend?
- Did they already check your driving record and credit reports?
Captive and independent Syracuse auto insurance agents
If you’re trying to find local Syracuse agents, you need to know there are two different types of agents from which to choose. Agencies in Syracuse are categorized either independent or captive. Both types can do a good job, but it’s worth mentioning how they differ since it can impact the selection process.
Captive Agents
Captive agencies can only place business with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. They are unable to give you multiple price quotes so they have no alternatives for high prices. Captive agencies are trained well in insurance sales which helps them sell insurance even at higher premiums. Some consumers prefer to buy from captive agents partially due to loyalty to the company and the convenience of having all coverages with one company.
Listed below is a list of captive insurance agencies in Syracuse that can give you price quote information.
- Allstate Insurance – 975 W 1700 S # 202 – Syracuse, UT 84075 – (801) 773-7575
Independent Agents (or Brokers)
Independent insurance agents do not work for one specific company but instead can place your coverage amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, an independent agent can move your coverage without you having to go to a different agency. When shopping rates, it’s recommended you include price quotes from at a minimum one independent agency to get the best comparison.Many can place coverage with smaller regional carriers which can save you money.
Below are independent agencies in Syracuse that are able to give price quote information.
- Thorstensen Insurance – 1930 W 2250 S – Syracuse, UT 84075 – (801) 779-0809
- Horace Mann Insurance Co – 1553 S 1100 W – Syracuse, UT 84075 – (801) 779-0749
To view a full list of auto insurance agents in Syracuse, view this link.
Upon receiving answers to your satisfaction to all your questions and a low price estimate, chances are good that you have found an insurance agency that can properly insure your vehicles.
Some additional reading
More detailed Utah auto insurance information can be read at the Utah Insurance Department website. Utah drivers can read enforcement actions against agents and companies, download brochures, learn about specific coverages, and read industry bulletins.
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