6 Methods to Save on Car Insurance in Layton Utah

Searching for the lowest cost Layton car insurance on the internet can be problematic for consumers new to comparing rates online. With so many choices of online companies available, how can Layton drivers even start to compare them all to find the cheapest available price?

It’s a great practice to compare prices quite often because prices are adjusted regularly by insurance companies. Just because you found the lowest rates last year there is a good chance you can find better rates now. Starting now, block out anything you think you know about car insurance because you’re about to learn one of the quickest ways to save money, get proper coverage and the best rates.

Automobile Insurance Quotes in Layton

When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. The quickest method to find the lowest rates consists of shopping online. This is very easy and can be done using a couple different methods.

  1. The fastest way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This type of form prevents you from having to do boring form submissions for each company. Completing one form will get you rate comparisons from many national carriers. It’s definitely the quickest method.
  2. Another way to analyze rates requires a trip to each company website to complete their respective quote request forms. For sake of this example, let’s say you want to compare Nationwide, Liberty Mutual and Progressive. To get each rate you have to take the time to go to each site and enter your policy data, and that’s why the first method is more popular. To view a list of companies in Layton, click here.

It’s up to you how you get prices quotes, just compare identical deductibles and coverage limits for each comparison quote. If your comparisons have higher or lower deductibles you will not be able to determine the lowest rate in Layton. Just a small difference in coverages may result in a large different in cost. And when comparison shopping, comparing more company’s prices helps you find a better price.

Do you really save 40% when you switch?

Car insurance providers like State Farm and Allstate constantly bombard you with ads on TV and radio. They all say the same thing that you’ll save big if you switch to their company. But how can every company claim to save you money?

All the different companies have a preferred profile for the type of customer that is profitable for them. An example of a desirable insured might be profiled as between 30 and 50, owns a home, and drives newer vehicles. A driver who meets those qualifications receives the best rates and most likely will cut their rates substantially.

Drivers who are not a match for the requirements must pay a more expensive rate and this can result in the customer not buying. The ad wording is “people who switch” not “everybody who quotes” save that much. That’s the way insurance companies can confidently advertise the way they do.

This illustrates why you absolutely need to quote coverage with many companies. Because you never know which insurance companies will fit your personal profile best.

How much can you save with these six discounts?

Insurance can cost an arm and a leg, but companies offer discounts to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but a few need to be specially asked for before they will apply.

  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less than drivers with accidents.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • Auto/Home Discount – When you have multiple policies with one company you could get a discount of up to 20% off your total premium.
  • Homeowners Savings – Owning a home in Layton may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. The good student discount can last until age 25.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.

Drivers should understand that most discounts do not apply the the whole policy. Most only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like adding up those discounts means a free policy, car insurance companies aren’t that generous. Any amount of discount will bring down your premiums.

To choose companies who offer car insurance discounts in Utah, click here.Layton car insurance

How much car insurance do I need?

When choosing the best car insurance coverage for your vehicles, there really is no one size fits all plan. Every situation is different.

These are some specific questions can help discover if your situation will benefit from professional help.

  • What are Utah no-fault laws?
  • Where can I get insurance after a DUI in Utah?
  • Does my insurance cover my expensive audio equipment?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I drive in Mexico and have coverage?
  • Do I need to file an SR-22 for a DUI in Utah?
  • Am I covered when using my vehicle for business?
  • Does coverage extend to a rental car in a foreign country?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, complete this form.

Car insurance coverages explained

Learning about specific coverages of a car insurance policy can help you determine the right coverages for your vehicles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

UM/UIM Coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your vehicle.

Since a lot of drivers only purchase the least amount of liability that is required (25/65/15 in Utah), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Frequently these coverages do not exceed the liability coverage limits.

Medical costs insurance

Med pay and PIP coverage pay for expenses such as chiropractic care, X-ray expenses and pain medications. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with another moving vehicle, crashing into a ditch, crashing into a building, driving through your garage door and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Auto liability insurance

This provides protection from damages or injuries you inflict on people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as court costs, medical expenses, repair costs for stationary objects, bail bonds and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible. Utah requires drivers to carry at least 25,000/65,000/15,000 but you should think about purchasing more coverage.

Layton car insurance

Comprehensive or Other Than Collision

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, hail damage and fire damage. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Better coverage you can count on

In this article, we covered quite a bit of information on how to lower your car insurance rates. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even find the lowest premiums are with a lesser-known regional company.

Insureds change insurance companies for a number of reasons such as unfair underwriting practices, an unsatisfactory settlement offer, high prices or even delays in paying claims. Regardless of your reason for switching companies, finding a great new company can be easy and end up saving you some money.

When shopping online for car insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed liability limits or collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

Learn more about car insurance in Utah

Additional information is located on the Utah Insurance Department website located here. Consumers can discover disciplinary actions, file complaints about an insurance agent or broker, read enforcement actions against agents and companies, and view agent and company licensing information.