Is Your Roy Car Insurance Too High? Learn How to Lower Your Rates

Are you tired of trying to scrape together enough money to buy car insurance? You’re in the same situation as many other Utah consumers.

There is such a variety of auto insurance companies to insure vehicles with, and even though it’s nice to have a selection, lots of choices makes it harder to compare rates and find the lowest cost car insurance.

Consumers need to compare rates before your policy renews since insurance rates fluctuate regularly. Even if you think you had the best rates last year there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because you’re about to learn one of the quickest ways to lower your rates without sacrificing coverage.

Buying more affordable protection in Roy is not that difficult. In a nutshell, everyone who has to buy car insurance will be able to cut their insurance bill. Nevertheless, Utah car owners do need to know the methods companies use to market on the web and apply this information to your search.

Free Roy Car Insurance Quotes

To find the best car insurance prices, there are several ways to compare rate quotes from car insurance companies in your area. One of the best ways to compare insurance prices is to use the internet to compare rates. This can be done in several different ways.

  • The recommended way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This easy form prevents you from having to do multiple quote forms for each company. One form submission gets rate comparisons from several companies.
  • A slightly less efficient method to compare prices requires a visit to the website for every company you want to comare and fill out their own quote form. For examples sake, let’s say you want to compare rates from Liberty Mutual, Farmers and American Family. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method. For a handy list of car insurance company links in Roy, click here.

However you get your quotes, make absolute certain that you use identical coverage information on every quote. If you have unequal deductibles or liability limits it’s not possible to determine which rate is truly the best in Roy. Having just a slight variation in limits could mean much higher rates. Keep in mind that obtaining a wide range of quotes will improve the odds of getting a better price.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you quote, but some must be specifically requested before you will receive the insurance image

  • No Accidents – Claim-free drivers can save substantially when compared with frequent claim filers.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can get savings up to 30%.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. The savings is around 10%.
  • Multiple Vehicles – Buying insurance for multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Multiple Policy Discount – When you have multiple policies with the same company you may save approximately 10% to 15%.

It’s important to understand that most discount credits are not given to the entire policy premium. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any qualifying discounts will help reduce your overall premium however.

Many Things Influence your Rates

Smart consumers have a good feel for the factors that go into determining your car insurance rates. Knowing what influences your rates empowers consumers to make smart changes that may reward you with lower car insurance prices.

  • Where you reside plays a part – Choosing to live in a rural area is a positive aspect when talking about car insurance. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims. Drivers in populated Utah areas have more traffic problems and longer commutes to work. More time commuting means more change of being in an accident.
  • Poor credit can mean higher rates – A driver’s credit score is a huge factor in determining your rates. Therefore, if your credit rating is lower than you’d like, you could save money insuring your by spending a little time repairing your credit. Drivers with high credit ratings tend to file fewer claims and have better driving records than those with poor credit.
  • Don’t get talked into coverage you don’t need – There are a ton of additional coverages that you can buy on your car insurance policy. Coverages like rental car reimbursement, towing coverage and term life insurance may be wasting your money. They may seem like a good idea initially, but if they’re wasting money get rid of them and save.
  • Liability insurance protects assets – The liability section of your policy provides coverage in the event that you are found liable for personal injury or accident damage. Liability insurance provides for a legal defense which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Drive a safer car and pay less – Vehicles with good safety scores tend to have better insurance rates. These vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts and lower rates for you.

Do drivers who switch really save?

Allstate, GEICO and Progressive consistently run ads in print and on television. All the companies say the same thing about savings if you change to their company. But how can every company claim to save you money? It’s all in the numbers.

All companies are able to cherry pick for the type of driver they prefer to insure. An example of a preferred risk could be between 25 and 40, is a homeowner, and has a short commute. A customer getting a price quote who meets those qualifications is entitled to the best price and as a result will probably save quite a bit of money when switching.

Drivers who don’t measure up to these standards will have to pay higher rates and this can result in business going elsewhere. The ads say “customers that switch” not “everyone that quotes” save that much money. That’s the way insurance companies can make those claims.

Because of the profiling, it is so important to get as many comparisons as possible. It is impossible to predict which car insurance company will give you the biggest savings.

Better coverage you can count on

When shopping online for car insurance, you should never buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice collision coverage and discovered at claim time that it was a big mistake. Your strategy should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

save money concept

We’ve covered many tips how you can compare car insurance prices online. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the lowest rates come from a company that doesn’t do a lot of advertising. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

Discount car insurance can be found both online in addition to many Roy insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

Additional Utah consumer information

Much more information about car insurance in Utah is located on the website for the Utah Insurance Department found here. Utah drivers can read industry bulletins, find out industry alerts, and discover disciplinary actions.

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