Wasting Money on Auto Insurance in Midvale, UT? Here’s How to Save!

Have you had enough of not being able to afford each month for car insurance? Your situation is no different than the majority of other car owners in Utah.

Companies like State Farm, Allstate, GEICO and Progressive all claim big savings, bombarding you with fancy advertisements and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

Smart consumers take time to price shop coverage before your policy renews because prices are adjusted regularly by insurance companies. Even if you got the lowest rates on your last policy there may be better deals available now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the tricks you need to know to find great coverage at a great price.

Get Cheaper Rates by Understanding Pricing

Smart consumers have a good feel for the different types of things that help determine auto insurance rates. Knowing what controls the rates you pay helps enable you to make changes that can help you get much lower annual insurance costs.

• Save money with special equipment – Driving a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
• The type of vehicle makes a difference – The make and model of the car you own makes a big difference in how high your rates are. Low performance passenger cars receive the most favorable rates, but there are many factors that impact the final cost.
• Your job and insurance rates – Jobs such as lawyers, business owners and financial analysts are shown to have higher average rates because of high stress and long work days. Conversely, professions such as pilots, engineers and retirees pay the least.
• Proper usage rating affects rates – Driving more miles each year the more you will pay for auto insurance. The majority of insurers rate vehicles determined by how the vehicle is used. Vehicles not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money.
• Don’t skimp on liability – The liability section of your policy will protect you in the event that you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.
• Older drivers pay less – Mature drivers are more cautious drivers, tend to file fewer claims and receive fewer citations. Young drivers are known to be more careless in a vehicle and because of this, their auto insurance rates are much higher.
• Your location affects your rates – Choosing to live in a rural area has it’s advantages when it comes to auto insurance. Less people living in that area means reduced accidents and a lower car theft rate. Drivers in populated Utah areas have to deal with congested traffic and a longer drive to work. More time on the road means more change of being in an accident.

Auto Insurance Comparison Rates in Midvale, UT

There are several ways to get quotes from auto insurance companies in your area. By far the easiest way to find competitive insurance rates is simply to get online rate quotes. This can be done in several different ways.

1. The most efficient way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This form keeps you from doing repetitive form submissions to each individual auto insurance company. One form gets you coverage quotes from multiple low-cost companies.
2. A more difficult way to shop for auto insurance online consists of visiting the website for each individual company and complete a new quote form. For examples sake, we’ll assume you want rates from Progressive, Liberty Mutual and Allstate. You would have to go to every website to input your insurance information, which is why most consumers use the first method. For a handy list of car insurance company links in Midvale, click here.
3. The hardest way to get comparison rates is to waste gas driving to local insurance agencies. The internet makes this process obsolete unless you require the professional guidance of a licensed agent. You can, however, get the lowest quotes online and get advice from an agent in your area and we’ll cover that in a bit.

Whichever way you use, compare identical coverage limits for each price quote. If you have different liability limits you will not be able to truly determine the lowest rate in Midvale. Quoting even small variations in coverages can mean a large discrepancy in price. And when price shopping your coverage, getting more free quotes will enable you to find better pricing.

Beware of misleading auto insurance ads

Allstate, GEICO and Progressive continually stream television and radio advertisements. All the companies have a common claim that you’ll save big after switching your coverage to them. How can each company make the same claim?

Different companies have a preferred profile for the type of driver that makes them money. For example, a desirable insured could possibly be between the ages of 30 and 50, insures multiple vehicles, and has a high credit rating. A driver who matches those parameters is entitled to the best price and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who do not match these standards will be charged higher premiums and ends up with business not being written. Company advertisements say “drivers who switch” not “everyone that quotes” save that kind of money. This is how companies can claim big savings.

That is why drivers must compare many company’s rates. It is impossible to predict the company that will provide you with the cheapest rates.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but discounts can save money and there are some available to reduce the price significantly. Certain discounts will be triggered automatically when you quote, but some must be manually applied in order for you to get them.

• Seat Belt Usage – Requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
• Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
• Discounts for Safe Drivers – Safe drivers may save up to 50% more than less cautious drivers.
• Employee of Federal Government – Active or retired federal employment may qualify you for a discount depending on your company.
• Passive Restraint Discount – Factory air bags can receive discounts of more than 20%.
• Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
• Resident Student – Children living away from home attending college and don’t have a car can be insured at a reduced rate.
• Low Mileage – Keeping the miles down could be rewarded with better rates on cars that stay parked.
• Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.

It’s important to note that many deductions do not apply the the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. So when the math indicates you could get a free auto insurance policy, companies don’t profit that way. Any amount of discount will cut the cost of coverage.<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-46.jpg" alt="Utah auto insurance“/>

To see a list of insurers with discount auto insurance rates in Midvale, click here to view.

Price shop online but buy from a local Midvale agent

Some consumers just want to buy from a licensed agent and that is OK! The biggest benefit of comparing rates online is the fact that you can find the best rates and still have an agent to talk to. Buying from local insurance agencies is definitely important in Midvale.

After completing this form (opens in new window), your information is submitted to agents in your area who will give you bids for your insurance coverage. You never need to leave your computer as quotes are delivered directly to your email. It doesn’t get any easier! You can find better rates and an insurance agent to talk to.

Midvale auto insurance agents come in two flavors

When finding a reliable agent, there are two different agency structures to choose from. Agents can either be independent (non-captive) or captive.

Independent Agents (or Brokers)

These agents are not employed by any specific company so they can insure your vehicles with lots of companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply move the coverage in-house and you won’t have to switch agencies.

When comparison shopping, it’s a good idea to get quotes from at least one independent agent to get the best comparison.

Below is a list of independent insurance agents in Midvale that may be able to provide comparison quotes.

Van Gilder Insurance – 7070 Union Park Ctr – Midvale, UT 84047 – (801) 566-6655
Aspen Group Insurance – 7190 S State St # 238 – Midvale, UT 84047 – (801) 233-8411

Captive Insurance Agents

This type of agents work for only one company like American Family, State Farm and Allstate. Captives cannot compare other company’s rates so keep that in mind. Captive agencies are usually quite knowledgeable on their products and sales techniques and that can be a competitive advantage.

Listed below are Midvale captive insurance agencies willing to provide price quotes.

State Farm Insurance – 7026 S 900 E # A – Midvale, UT 84047 – (801) 566-7263
Allstate Insurance – 8282 S State St # 11 – Midvale, UT 84047 – (801) 569-8560
Farmers Insurance Group – 114 E 7200 S – Midvale, UT 84047 – (801) 569-2886

To view a full list of captive agencies in Midvale, click here to link.

Deciding on a car insurance agent requires more thought than just the bottom line cost. Agents should be asked these questions:

• What insurance companies do they work with?
• Do the coverages you’re quoting properly cover your vehicle?
• Are claims handled at the agent’s location?
• Does the agency have a good rating with the Better Business Bureau?
• Do they review policy coverages at every renewal?

After receiving positive feedback to these questions and an affordable coverage quote, you may have just found an insurance agency that can provide auto insurance coverage.

Tailor your coverage to you

When choosing coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that may help you determine if you would benefit from professional advice.

• Is there coverage for injuries to my pets?
• Do I need PIP coverage since I have good health insurance?
• Is borrowed equipment or tools covered if stolen or damaged?
• What if I total my vehicle and owe more than it’s worth?
• Are rental cars covered under my policy?
• Should I buy additional glass protection?
• What is high-risk coverage and where do I buy it?
• What can I do if my company won’t pay a claim?
• Who is covered by my policy?
• Can my teen driver be rated on a liability-only vehicle?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

More information is available on the website for the Utah Insurance Department found here. Visitors are able to learn about insurance regulations, file complaints about an insurance agent or broker, read industry bulletins, and learn about specific coverages.

In the end, you save

In this article, we presented many tips how you can shop for auto insurance online. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. Consumers could even find that the lowest priced auto insurance comes from an unexpected company. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as State Farm, GEICO and Nationwide.

The cheapest auto insurance can be purchased both online in addition to many Midvale insurance agents, so you should compare both to get a complete price analysis. Some insurance providers do not provide online quoting and most of the time these regional insurance providers sell through independent agents.