Learn How to Pay Less and Get More for Ogden Car Insurance

Nobody I know likes having to buy car insurance, especially when their premiums are through the roof.

With consumers having so many options, it can be impossible to choose the cheapest provider.

Compare the Market for Car Insurance in Ogden, Utah

To find the best car insurance prices, there are several ways of comparing price quotes from different in Ogden, Utahinsurance companies. The easiest way to find the lowest rates is to perform an online rate comparison. This is very easy and can be done in several different ways.

The first (and easiest) way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This form saves time by eliminating a different quote for every car insurance company. Completing one form will get you rate comparisons from car insurance companies with the best prices.
A harder way to find lower rates is spending the time to visit the website for each individual company to complete their respective quote request forms. For sake of this example, let’s say you want rates from Liberty Mutual, Allstate and GMAC. To get rate quotes you would need to go to every website and enter your information, and that’s why the first method is more popular.
To view a list of companies in Ogden, click here.
The least recommended method of comparing rate quotes is to waste gas driving to different Ogden agent offices. The internet makes this process obsolete unless you want the professional advice only provided by licensed Ogden agents. However, consumers can compare the best prices online but still have the advice of a local agent and we’ll cover that in a bit.

Whichever method you choose, make sure you use exactly the same coverage information for each price quote. If the quotes have unequal deductibles or liability limits it will be impossible to find the best deal in Ogden. Slightly different coverages may cause a big price difference. It’s important to know that more quotes will enable you to find a lower rate.

These discounts can lower your rates

Companies don’t necessarily list every available discount very clearly, so here is a list both well-publicized and also the lesser-known car insurance savings.

Defensive Driver – Taking a course teaching defensive driving skills could cut 5% off your bill if you qualify.
Sign Online – A handful of insurance companies will give a small break for buying your policy over the internet.
Military Rewards – Having a family member in the military could mean lower rates.
Government Employees – Active or retired federal employment can save as much as 8% with select insurance companies.
Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Payment Method – By paying your policy upfront instead of paying each month you can actually save on your bill.
Multiple Cars – Buying insurance for all your vehicles with the same company can get a discount on all vehicles.

A little note about advertised discounts, some credits don’t apply to all coverage premiums. Most cut specific coverage prices like liability, collision or medical payments. So when it seems like you could get a free car insurance policy, you won’t be that lucky.

But don’t I need an insurance agent?

Some people would rather talk to a local agent and that is just fine! The best thing about comparing insurance prices online is you may find the lowest rates and still choose a local agent.

To find an agent, once you fill out this simple form, the quote information is sent to insurance agents in Ogden who will return price quotes for your business. There is no reason to visit any agencies as quotes are delivered immediately to your email address. How cool is that?! You can find better rates AND a local agent.<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-116.jpg" alt="Ogden Utah car insurance“/>

Picking a company needs to be determined by more than just the bottom line cost. Some important questions to ask are:

Does the agency have a good rating with the Better Business Bureau?
Does the agency provide any after hours assistance?
Is the agent and/or agency licensed to do business in Utah?
Are you getting all the discounts the company offers?
Are they full-time agents?
Do you have coverage for a rental car if your vehicle is in the repair shop?
Do they make recommendations based only on price?

What types of auto insurance agents are in Ogden?

When looking for a reputable insurance agent or broker, you must know there are a couple different agency structures to choose from. Insurance agencies in Ogden are classified as either captive or independent (non-captive).

Captive Insurance Agents

Captive agents write business for a single company and examples are Allstate, AAA, Liberty Mutual and State Farm. These agents are unable to shop your coverage around so they are skilled at selling on more than just price. They receive extensive training on their company’s products which can be an advantage.

Below is a short list of captive insurance agencies in Ogden that are able to give comparison quotes.

State Farm Insurance – 585 24th St # 107 – Ogden, UT 84401 – (801) 627-6100

Independent Insurance Agents

These agents do not work for one specific company so they can insure your vehicles amongst many companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, they simply move the coverage in-house without you having to go to a different agency.

When comparison shopping, we recommend you contact at a minimum one independent agency for maximum quote selection.

Shown below is a list of independent insurance agents in Ogden that can give you price quotes.

Scott Barker Insurance – 955 28th St – Ogden, UT 84403 – (801) 334-5000
Whelan Insurance – 3607 Washington Blvd # 2 – Ogden, UT 84403 – (801) 393-8676

For a full directory of licensed insurance agents in Ogden, please view this page.

Once you have positive feedback for all questions you ask and a low price estimate, you’ve probably found an insurance agency that is a good match to properly insure your vehicles.

More tips and info about car insurance can be read at the Utah Insurance Department website. Visitors are able to read consumer alerts, get help finding coverage, report car insurance fraud, and learn about insurance regulations.

What is YOUR best insurance company?

We just presented a lot of ways to get a better price on car insurance. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a small local company. Some small companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive and GEICO.

Budget-conscious car insurance can be purchased on the web in addition to many Ogden insurance agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.