Learn How to Lower Your Premiums for Kaysville Utah Car Insurance

Have you fallen victim to high-priced car insurance? Believe me when I say you’re not the only one. Many insurers compete for your insurance dollar, so it can be very hard to choose a company to get the lowest rate possible.

If you have insurance now or are looking for a new policy, you will benefit by learning to find better prices while maximizing coverage. Buying car insurance in Kaysville is easy if you know what you’re doing. Utah drivers just need to understand the tricks to buy car insurance on the web.

Save Money with These Tips

Smart consumers have a good feel for the different types of things that go into determining the rates you pay for car insurance. Understanding what influences your rates allows you to make educated decisions that can help you get much lower annual insurance costs.

Listed below are some of the items companies use to determine your rates.

Where do you drive? – The more miles you rack up on your car in a year’s time the higher your rates will be. The majority of insurers charge to insure your cars based on how the vehicle is used. Vehicles that are left in the garage get more affordable rates compared to those used for work or business. Verify your car insurance policy shows how each vehicle is driven.
Your car insurance rates can be influenced by your job – Occupations like judges, social workers and dentists tend to have the highest average rates in part from job stress and lots of time spent at work. Other professions such as farmers, historians and retirees receive lower rates.
Drive a safer car and pay less – Vehicles with high crash test scores get lower rates. These vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders.
A clean driving record saves money – Your driving citation history has a lot to do with how much you pay for insurance. Just one citation can bump up the cost by as much as thirty percent. Drivers who don’t get tickets tend to pay less for car insurance than their less careful counterparts. Drivers who have dangerous citations like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
Never let your coverage lapse – Not having insurance is illegal and your next policy will cost more because you let your coverage have a gap. And not only will insurance be more expensive, getting caught without coverage might get you a revoked license or a big fine.You may then be required to prove you have insurance by filing a SR-22 with the Utah department of motor vehicles.
Performance influences rates – The make and model of the vehicle you drive makes a significant difference in your rates. The most favorable rates tend to be for small economy passenger cars, but there are many factors that impact the final cost.

More discounts equal less premium

Companies offering auto insurance don’t always advertise all available discounts very clearly, so we took the time to find some of the best known and the harder-to-find ways to save on car insurance. If you’re not getting every credit you deserve, you’re paying more than you need to.

Life Insurance Discount – Select insurance companies reward you with better rates if you take out life insurance from them.
E-sign – Certain companies give back up to $50 for buying a policy and signing up over the internet.
Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you could save up to 5%.
Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
Own a Home – Owning a home in Kaysville can save you money because owning a home is proof that your finances are in order.
Bundle and Save – When you have multiple policies with one company you may earn up to 20% off your total premium.
Discount for Swiching Early – Select companies give a discount for buying a policy prior to your current policy expiration. The savings is around 10%.
Military Discounts – Having a deployed family member could be rewarded with lower premiums.
Good Students Pay Less – Performing well in school can save 20 to 25%. The good student discount can last up until you turn 25.

Drivers should understand that many deductions do not apply the the whole policy. A few only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, it doesn’t quite work that way.

Are insurance agents obsolete?

Some people would prefer to get advice from a local agent and there is nothing wrong with that. Professional agents can point out coverage gaps and help in the event of a claim. One of the best bonuses of getting online price quotes is you can get lower rates and still choose a local agent.

To make it easy to find an agent, after completing this quick form, your information is transmitted to participating agents in Kaysville who will return price quotes for your insurance coverage. There is no reason to leave your house because quoted prices will be sent straight to your inbox. How’s that for easy!

Deciding on an insurance company should depend on more than just the premium amount. Agents should be asked these questions:

What will you get paid if your car is a total loss? How is that amount determined?
Do they feel the quoted coverages are adequate?
Will their companies depreciate repairs to your car based on the mileage?
Does the agency provide any after hours assistance?
Do you have coverage for a rental car if your vehicle is in the repair shop?
Do they regularly work with personal auto policies?
Is the agent and/or agency licensed to do business in Utah?

The difference between Kaysville car insurance agents

When researching a reputable insurance agent or broker, there are a couple of types of agencies from which to choose. Insurance agencies in Kaysville are either independent (non-captive) or captive. Either one can write coverage properly, but it’s worth mentioning the difference between them since it may influence your selection of an agent. Kaysville insurance comparisons

Captive Insurance Agents

Captive agencies can only place business with one company such as Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are not able to compare other company’s rates so it’s a take it or leave it situation. Captive agents are usually quite knowledgeable on their products and sales techniques and that can be a competitive advantage.

The following is a short list of captive insurance agencies in Kaysville who can help you get rate quotes.

Allstate Insurance – 1 N Main St – Kaysville, UT 84037 – (801) 544-7922
Farmers Insurance Group – 459 N 300 W # 14 – Kaysville, UT 84037 – (801) 529-1208

Independent Insurance Agents

These agents do not work for one specific company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part. When comparing rates, it’s recommended you contact multiple independent agents to get the best comparison.

The following is a list of independent agencies in Kaysville willing to provide price quotes.

Craig Insurance – 497 N Main St – Kaysville, UT 84037 – (801) 446-8811
Wilson Green Insurance – 459 N 300 W # 14 – Kaysville, UT 84037 – (801) 544-7173

For a complete listing of Kaysville insurance agents, visit this link.

Upon getting positive feedback to these questions and locked in a price quote, it’s possible that you found an insurance agency that meets your needs to adequately provide car insurance.

Is there truth in advertising?

Consumers in Utah can’t ignore all the ads for the lowest price auto insurance from the likes of GEICO, State Farm and Progressive. They all seem to make an identical promise that you can save if you move your coverage to them.

How do they all claim to save you money?

Different companies can use profiling for the right customer that makes them money. A good example of a preferred risk might be profiled as between the ages of 40 and 55, a clean driving record, and drives less than 7,500 miles a year. Any driver that hits that “sweet spot” will get the preferred rates and therefore will save when switching.

Drivers who fall outside the “perfect” profile will be charged higher premiums and ends up with the customer not buying. The ads say “customers who switch” but not “drivers who get quotes” save money. That’s the way insurance companies can make the claims of big savings. That is why it is so important to get quotes from several different companies. It’s just too difficult to predict which company will have the lowest rates.

Will just any policy work for me?

When choosing coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. For example, these questions can help discover whether your personal situation might need professional guidance.

Does my vehicle qualify for pleasure use?
When does my teenage driver need to be added to my policy?
What can I do if my company denied a claim?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Should I buy more coverage than the required Utah minimum liability coverage?
What if I total my vehicle and owe more than it’s worth?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Additional detailed information is available at the Utah Insurance Department website. Visitors are able to discover disciplinary actions, read industry bulletins, view agent and company licensing information, and download brochures.

Better coverage you can count on

In this article, we presented many ways to save on car insurance. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Drivers may discover the biggest savings come from an unexpected company. Smaller companies may only write in your state and offer lower rates compared to the large companies like Allstate or State Farm.

As you restructure your insurance plan, make sure you don’t buy poor coverage just to save money. In many instances, an insured cut uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. The aim is to get the best coverage possible for the lowest price while still protecting your assets.