Learn How to Lower Your Premiums for Draper Utah Car Insurance

Purchasing the lowest cost Draper car insurance on the web can be rather challenging for consumers not familiar with buying insurance on the web. With so many choices of companies in the marketplace, how can anyone have a chance to compare every company to locate the lowest rates?

How to Lower Your Car Insurance Cost in Draper, UT

Effectively comparing car insurance prices can take time and effort if you don’t know the easiest way. You can spend countless hours talking about coverages with insurance agencies in Draper, or you could use the internet to get pricing more quickly.

All the larger companies take part in a program where insurance shoppers only type in their quote data once, and every company returns a rated price based on that data. This system prevents you from having to do form submissions for each company.

To compare pricing click here to start a free quote.

One minor caviat to using this type of form is you can’t choose which companies you will receive quotes from. So if you want to select specific insurance companies to compare rates, we have a listing of companies who write car insurance in Utah. View list of Utah insurance companies.

Whichever way you use, double check that you are using apples-to-apples coverage limits and deductibles on every quote you get. If you enter different values for each quote it will be next to impossible to truly determine the lowest rate in Draper.

How insurance companies determine rates

Smart consumers have a good feel for the factors that go into determining your car insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that can help you get lower car insurance prices.

  • Having a spouse can save you money – Having a spouse can actually save you money when buying car insurance. Marriage translates into being more mature and responsible and statistics show drivers who are married are more cautious.
  • One company can mean more discounts – The majority of insurance companies will give a discount to insureds who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, it’s still a good idea to shop around to make sure you are getting the best deal.
  • High credit ratings translate to low rates – A driver’s credit score is a big factor in your rate calculation. If your credit is lower than you’d like, you could potentially save money when insuring your by improving your rating. Drivers who have good credit tend to be better drivers and file fewer claims than drivers who have poor credit.
  • Your car’s features help determine rates – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.

You probably qualify for some discounts

Car insurance companies don’t always advertise every available discount in a way that’s easy to find, so here is a list both well-publicized as well as the least known ways to save on car insurance. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount with certain companies.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a certain period of time.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Senior Discount – Older drivers may qualify for a discount up to 10%.
  • Homeowners Savings – Being a homeowner may trigger a car insurance policy discount due to the fact that maintaining a home shows financial diligence.
  • Discount for Swiching Early – Select companies give a discount for buying a policy before your current policy expires. The savings is around 10%.
  • E-sign – A few companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.

As a disclaimer on discounts, some credits don’t apply to your bottom line cost. Some only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn’t make money that way.

Situations that might require an agent

When buying the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different.

For example, these questions might point out whether you could use an agent’s help.save money concept

  • Is my vehicle covered for flood damage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered when driving a rental car?
  • Will I lose any money if I cancel my policy before it expires?
  • When would I need rental car insurance?
  • Do I need medical payments coverage since I have good health insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • Am I getting all the discounts available?
  • Does liability extend to a camper or trailer?
  • Exactly who is provided coverage by my policy?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

What happened to insurance agents?

A small number of people prefer to get advice from a local agent and that is a personal choice. Good agents can help determine the best coverages and help file insurance claims. One of the best bonuses of comparing rates online is that you can obtain better rates and still choose a local agent.

To help locate an agent, after submitting this form (opens in new window), your information is sent to local insurance agents in Draper who will compete for your business. There is no reason to drive around as quotes are delivered to the email address you provide. It doesn’t get any easier!

Deciding on an insurance company needs to be determined by more than just the premium amount. Any agent should have no problem answering these questions:

  • Is assistance available after office hours?
  • How much will you save each year by using a higher deductible?
  • Do they regularly work with personal auto policies?
  • How long have they worked with personal auto insurance coverage?
  • What insurance companies do they recommend if they are an independent agent?

Do you need an independent or captive car insurance agent?

When finding a local agent, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Insurance agencies in Draper are either independent (non-captive) or captive. Either one can do a good job, but it’s worth learning how they are different since it may influence buying decisions.

Captive Insurance Agents

Captive agencies are contracted to one company like AAA, Allstate and State Farm. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. Captive agencies receive extensive training in insurance sales and that can be a competitive advantage. Some consumers prefer to buy from captive agents mostly because of the brand legacy and the convenience of having all coverages with one company.

Below are Draper captive insurance agencies willing to provide price quotes.

  • Farmers Insurance Group – 11576 S State St # 1003 – Draper, UT 84020 – (801) 523-8422
  • Allstate Insurance – 12222 S 1000 E # 2 – Draper, UT 84020 – (801) 523-2510
  • American Family Insurance – 1134 Draper Pkwy – Draper, UT 84020 – (801) 495-0933
Independent Agents

These agents are not employed by any specific company but rather can write business with any number of different companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally and that require little work on your part. When searching for an agent, we recommend you get quotes from at least one independent agent for the best price selection.Many can place coverage with different regional companies which may provide better rates.

The following are independent insurance agents in Draper who can help you get price quotes.

  • Insurance Depot – 11576 S State St – Draper, UT 84020 – (801) 495-3131
  • Auto-Owners Insurance Co – 11734 Election Rd – Draper, UT 84020 – (801) 572-0111

For a complete listing of car insurance agents in Draper, visit this site.

Upon getting positive responses for all questions you ask and a low price estimate, you’ve probably found an insurance agency that is a good match to service your policy.

free Draper Utah insurance quote

A tidy conclusion

Insureds who switch companies do it for many reasons like an unsatisfactory settlement offer, high rates after DUI convictions, lack of trust in their agent and even high prices. Regardless of your reason for switching companies, switching companies can be less work than you think.

You just learned a lot of ways to shop for car insurance online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest priced car insurance comes from the least-expected company.

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed physical damage coverage and discovered at claim time they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage at the best price while still protecting your assets.

For more Utah car insurance information

More tips and info about car insurance is located at the Utah Insurance Department website. Utah consumers can read consumer alerts, report car insurance fraud, and read state legal mandates and laws.

Other useful links include QuoteClickInsure.com and this list of insurance agents in Draper, UT.