Auto Insurance in Pleasant Grove Utah – 9 Tips to Save Money

Finding better rates for Pleasant Grove auto insurance can be hard for people who are new to comparing rates online. You have so many choices that it can easily become a challenge to find the best price in Pleasant Grove.

You should take the time to get comparison quotes on a regular basis since rates go up and down regularly. Even if you got the lowest price six months ago other companies may now be cheaper. So block out anything you think you know about auto insurance because I’m going to teach you the best methods to save money, get proper coverage and the best rates.

Vehicle Insurance Comparison

Reducing your insurance rates is not rocket science. Drivers just need to take a couple of minutes to get quotes provided by online insurance companies. This can be accomplished in several different ways.

1. The easiest and least time consuming way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This type of form eliminates the need for separate quote forms for every auto insurance company. One form submission gets you coverage quotes from multiple companies.It’s the quickest way to get rates.
2. A more difficult way to find lower rates is to manually visit the website for each individual company to request a price quote. For instance, let’s say you want to compare Progressive, Safeco and Liberty Mutual. You would have to take the time to go to each site and enter your information, which is why the first method is more popular. For a handy list of car insurance company links in Pleasant Grove, click here.
3. The least recommended method to compare rates is to waste gas driving to different Pleasant Grove agent offices. The internet can eliminate the need for a local agent unless you prefer the trained guidance only provided by licensed Pleasant Grove agents. It is possible to compare the best prices online but still have the advice of a local agent and we’ll touch on that later.

Whichever way you use, compare exactly the same deductibles and coverage limits for each price quote. If you compare higher or lower deductibles it will be next to impossible to make a fair comparison in Pleasant Grove.

Don’t pay full price with these nine discounts

Car insurance is not cheap, but you may find discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you complete an application, but some may not be applied and must be specially asked for prior to getting the savings. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

• Driver’s Ed – Require your teen driver to enroll in driver’s education in school.
• Military Discounts – Having a family member in the military could be rewarded with lower premiums.
• Save with a New Car – Adding a new car to your policy can save up to 30% compared to insuring an older model.
• Paperless Signup – Certain companies will give a small break just for signing your application digitally online.
• Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
• Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
• Air Bag Discount – Cars that have air bags or automatic seat belts can get savings of 20% or more.
• Drive Less and Save – Fewer annual miles can earn a substantially lower rate.
• Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.

It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, you won’t be that lucky. Any amount of discount will bring down your overall premium however.

For a list of insurance companies with the best auto insurance discounts in Utah, click here.

Auto insurance coverage breakdown

Having a good grasp of a auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits (25/65/15 in Utah), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, ambulance fees and nursing services. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Liability

Liability insurance will cover damage that occurs to other’s property or people that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like court costs, attorney fees and emergency aid. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford. Utah state minimum liability requirements are 25,000/65,000/15,000 but drivers should carry better liability coverage.

Comprehensive (Other than Collision)

This pays for 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 insurance covers claims like theft, falling objects, damage from a tornado or hurricane and vandalism. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage will pay to fix damage to your vehicle resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as driving through your garage door, scraping a guard rail, colliding with a tree, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Additional information can be read on the Utah Insurance Department website through this link. Utah drivers can read consumer alerts, find out which companies have the most complaints, read state legal mandates and laws, and get help finding coverage.