Things You Must Know Before Purchasing Bountiful, UT Car Insurance Online

Have you fallen victim to overpriced car insurance? Trust us when we tell you many Bountiful consumers feel financially strained by their car insurance policy.

Big companies like Progressive, GEICO and Farmers Insurance all claim big savings with ads and it is difficult to separate fact from fiction and take the time to shop coverage around.

Consumers should take time to check car insurance prices quite often since insurance rates trend upward over time. Even if you think you had the best rates a year ago there may be better deals available now. Forget all the misinformation about car insurance because we’re going to demonstrate how to quote online to save money, get proper deductibles and limits, all at the lowest rate.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these techniques. Finding the best rates in Bountiful is easy if you know what you’re doing. Although Utah drivers can benefit from knowing how companies market on the web and take advantage of how the system works.

Comparison of Car Insurance in Bountiful, Utah

All major car insurance companies such as Progressive, GEICO, Allstate and State Farm allow you to get prices for coverage on the web. This process is fairly straightforward as you just type in your coverage information as detailed in the form. After you complete the form, their system pulls reports for credit and driving violations and returns a price. Online quotes makes comparing rates easy, but the work required to visit a lot of sites and type in the same information is monotonous and tiresome. But it’s absolutely necessary to do this in order to find a better rate.

There is a better way to compare rates

A less time-consuming method to locate the lowest prices is to use a quote form that obtains quotes from many companies. This type of form saves time, eliminates form submissions, and makes comparison shopping much easier to do. After your information is entered, your coverage is rated and you can choose any one of the quotes that you receive. If a lower price is quoted, you can click and sign and purchase the new policy. The entire process takes 15 minutes at the most and you will know how your current rates stack up.

In order to fill out one form to compare multiple rates now, click here to open in new window and submit the form. If you have coverage now, it’s recommended you copy the coverages identical to your current policy. This ensures you will have comparison quotes using the exact same coverages.car insurance image

Aren’t my neighborhood agents an option?

Certain consumers prefer to talk to a local agent and that is OK! The biggest benefit of price shopping on the web is the fact that you can find the best rates but still work with a licensed agent.

Once you complete this quick form, your coverage information is sent to local insurance agents in Bountiful who will compete for your insurance coverage. There is no reason to leave your computer since price quotes are sent directly to your email. How cool is that?! Get lower rates AND an agent nearby.

Deciding on an insurer needs to be determined by more than just the bottom line cost. Agents should be asked these questions:

  • Do they assist clients in filing claims?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Is working in the agency their full-time job?
  • Do they make recommendations based only on price?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Did they already check your driving record and credit reports?

The type of insurance agency you choose is important

When researching a local agent, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Bountiful agents can either be independent or captive.

Captive Insurance Agents

Captive insurance agents have only one company to place business with and examples are State Farm, Allstate and AAA. They are unable to give you multiple price quotes so they are skilled at selling on more than just price. These agents are well schooled on their company’s products and that can be a competitive advantage.

Below is a short list of captive insurance agents in Bountiful that are able to give price quote information.

American Family Insurance – 273 W 500 S # 21 – Bountiful, UT 84010 – (801) 296-2557
Liberty Mutual Insurance – 74 E 500 S # 104 – Bountiful, UT 84010 – (801) 295-8886
Farmers Insurance Group – 505 S Main St # 201 – Bountiful, UT 84010 – (801) 292-5060
Allstate Insurance – 212 E Center St – Bountiful, UT 84010 – (801) 295-9896

Bountiful car insurance

Independent Agents

Independent agencies do not work for one specific company so they can insure your vehicles with lots of companies enabling the ability to shop coverage around. To move your coverage to a new company, an independent agent can move your coverage and that require little work on your part. When comparing rates, we recommend you include at a minimum one independent agency for maximum quote selection.

Below are Bountiful independent insurance agents who can help you get price quote information.

Dorothy M Nuffer Agency Inc – 152 W 500 S – Bountiful, UT 84010 – (801) 292-1230
Mark G Kano Insurance Inc – 21 S 200 W – Bountiful, UT 84010 – (801) 298-2636
American National Insurance Co – 533 W 2600 S # 135 – Bountiful, UT 84010 – (801) 296-2000

To view a full list of licensed insurance agents in Bountiful, visit this site.

After getting answers to your satisfaction to these questions in addition to an acceptable price estimate, most likely you have located an insurance agent that will insure your vehicles.

Additional detailed information is located at the Utah Insurance Department website. Utah consumers can report car insurance fraud, read state legal mandates and laws, find out industry alerts, and view agent and company licensing information.