Lowest Auto Insurance Exclusively for South Salt Lake Residents

Tired of paying out the nose to buy car insurance? You are in the same boat as many other Utah consumers.

Consumers have many car insurance companies to insure vehicles with, and even though it’s nice to have a choice, having more auto insurance companies makes it harder to find the lowest rates.

Don’t miss these discounts

Insuring your fleet can be pricey, but you can get discounts that can drop the cost substantially. Certain discounts will be applied when you quote, but a few need to be manually applied in order for you to get them.

Good Student – This discount can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
No Accidents – Good drivers with no accidents can save substantially when compared with accident-prone drivers.
Early Switch Discount – Some companies give discounts for switching policies before your current expiration date. It’s a savings of about 10%.
Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
Sign Online – Some insurance companies will give a small break simply for signing on their website.
Senior Citizens – Older drivers may qualify for a discount up to 10%.
Military Rewards – Having a deployed family member could be rewarded with lower premiums.
Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off with certain companies.
Multiple Vehicles – Buying insurance for multiple vehicles on one policy qualifies for this discount.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Most cut individual premiums such as collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky. But all discounts will bring down your overall premium however.

For a list of insurance companies with discount auto insurance rates in Utah, follow this link.

How to Compare Auto Insurance in South Salt Lake, UT

All major auto insurance companies such as Progressive, Allstate and GEICO provide pricing on the web. Getting online quotes is pretty easy as you simply type in the coverages you want into a form. When complete, the company’s rating system requests your driving and credit reports and gives you a price quote. Quoting online makes comparing rates easy, but the time it takes to visit different websites and type in the same information can be a bit tiresome and repetitive. Unfortunately, it is important to perform this step if you want to find a lower rate.

An easier way to compare rates uses one simple form that obtains quotes from a bunch of companies at once. The form is fast, requires less work, and makes comparison shopping much more enjoyable. Once the form is submitted, it is rated and you are able to buy any or none of the price quotes you receive.<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-98.jpg" alt="South Salt Lake Utah insurance quotes“/>

If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. The whole process takes 15 minutes at the most and you will know how your current rates stack up.

To find out how much you’re overpaying now, simply click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you duplicate coverages and limits identical to your current policy. Doing this guarantees you’re receiving rate quotes using the same coverage and limits.

Components of your insurance rates

An important part of buying insurance is that you know the factors that play a part in calculating the rates you pay for auto insurance. Knowing what influences your rates helps enable you to make changes that will entitle you to big savings.

Shown below are some of the items that factor into prices.

Traffic citations inflate rates – Drivers with clean records have lower premiums than bad drivers. Only having one citation may increase your cost twenty percent or more. If you have serious violations like hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
With age comes lower rates – Teen drivers in Utah are known to be careless and easily distracted when driving so they pay higher auto insurance rates. Parents adding a young driver onto your auto insurance can really hurt. More mature drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations.
Liability coverage is peace of mind – Your policy’s liability coverage is the coverage that protects you in the event that you are found to be at fault for damages caused by your negligence. Liability insurance provides for a legal defense which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so do not skimp.
Battle of the sexes – The statistics show that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. They both are in accidents in similar percentages, but men have costlier accidents. Men also receive more costly citations like DUI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and therefore have the most expensive auto insurance rates.
Where you reside plays a part – Residing in a rural area can save you money when insuring your vehicles. Less people living in that area means reduced accidents and a lower car theft rate. City drivers regularly have traffic congestion and longer commutes to work. Higher commute times translates into higher accident risk.
Pay less if you’re married – Having a wife or husband can actually save you money on auto insurance. Having a significant other is viewed as being more mature and it’s proven that being married results in fewer claims.
Your credit rating is important – Credit rating is a big factor in determining your rates. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have lower credit scores. Therefore, if your credit history can use some improvement, you could be paying less to insure your by spending a little time repairing your credit.

Save $396 a year. For real?

Auto insurance companies such as Progressive, Allstate and GEICO regularly use television and radio advertisements. They all seem to have a common claim that you can save if you move to them. How do they all say the same thing?

All companies have a certain “appetite” for the type of customer that makes them money. For example, a profitable customer could be a mature driver, insures multiple vehicles, and drives newer vehicles. A customer who meets those qualifications gets the lowest rates and as a result will probably save a lot of money.

Drivers who fall outside these standards will be quoted more money and this can result in the customer not buying. The ads state “drivers who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can advertise the savings.

This emphasizes why you should compare many company’s rates. It is impossible to predict the company that will provide you with the cheapest rates.

Cheaper insurance is a realistic goal

In this article, we presented a lot of information how to compare auto insurance prices online. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. Consumers could even find that the lowest priced auto insurance comes from some of the smallest insurance companies. They can often provide lower rates in certain areas than the large multi-state companies such as State Farm or Progressive.

As you prepare to switch companies, you should never reduce needed coverages to save money. There have been many cases where consumers will sacrifice liability coverage limits to discover at claim time that it was a big error on their part. Your focus should be to buy enough coverage at the best price while not skimping on critical coverages.

More information is available on the website for the Utah Insurance Department located here. Visitors are able to download brochures, read enforcement actions against agents and companies, and learn about insurance regulations.