Learn to Get Cheaper Auto Insurance Pricing From the Best Insurance Agents in Salt Lake City, UT

Selecting a auto insurance company in Salt Lake City, UT can be time consuming since finding the best Utah insurance agent is more difficult than just making a phone call. Consumers require a good agent that listens to you, but also need the best possible rates.

Lots of car insurance agents contend for your hard-earned dollar, so it can be very hard to choose a insurance agent and get the best coverage at the cheapest price

Online quotes help locate Salt Lake City agents

Licensed agents are trained to spot inefficiencies and give you someone to call. One of the great benefits of comparing rates online is that you can obtain the best rates and still have an agent to talk to.

Once you complete this short form, your coverage information is sent to local insurance agents in Salt Lake City who will compete to get your business. You don’t have to drive around as quotes are delivered to your email. Now that’s easy!

Choosing an insurance agent should depend on more than just a cheap price. Ask your prospective agent these questions:

  • Does the agency support the community they serve?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Does the agency have a good rating with the Better Business Bureau?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Is working in the agency their full-time job?
  • Are they able to influence company decisions when a claim is filed?
  • Which company do they place the most coverage with?

Best auto insurance agent in Salt Lake City

When looking for a reliable agent, you must know there are a couple different types of agents that differ in how they can insure your vehicles. Agents are either captive or independent (non-captive). While both can properly insure your vehicles, but it’s important to know the differences because it can influence the type of agent you choose

Captive Insurance Agents

This type of agents can only write with one company and examples are Liberty Mutual, State Farm, Allstate and AAA. They usually cannot give you multiple price quotes so they have to upsell other benefits. Captives are trained well on their products and sales techniques which can be an advantage.

Listed below is a list of captive agencies in Salt Lake City who can help you get rate quotes.

Farm Bureau Insurance – 925 Executive Park Dr # G – Salt Lake City, UT 84117 – (801) 281-2181
Liberty Mutual – 370 E South Temple – Salt Lake City, UT 84111 – (801) 532-2504
State Farm Insurance – 3025 E 3300 S # C – Salt Lake City, UT 84109 – (801) 433-0421
Farmers Insurance Group – 50 S 900 E # 5 – Salt Lake City, UT 84102 – (801) 359-7661
Allstate Insurance – 4700 S 900 E # 41f – Salt Lake City, UT 84117 – (801) 266-1700
American Family Insurance – 3628 W 3500 S – Salt Lake City, UT 84120 – (801) 966-4573

Independent Agents

These agents do not work for one specific company but instead can place your coverage with lots of companies depending on which coverage is best. To move your coverage to a new company, the agent simply finds a different carrier without you having to go to a different agency. When shopping rates, it’s a good idea to contact at least one independent agent to have the most options to choose from.

Listed below are independent agents in Salt Lake City who can help you get rate quotes.

Utah Agency LLC – 261 E Broadway # 150 – Salt Lake City, UT 84111 – (801) 363-8200
Marsh USA Risk and Insurance Svc – 15 W South Temple # 700 – Salt Lake City, UT 84101 – (801) 533-3600
Campbell Insurance Ageny Inc – 5691 S Redwood Rd # 16 # 1b – Salt Lake City, UT 84123 – (801) 268-3000
Laub Agency – 2809 S State St – Salt Lake City, UT 84115 – (801) 486-2171
Kent E Christensen Agency Inc – 150 E 900 S – Salt Lake City, UT 84111 – (801) 364-7800

For a full directory of Salt Lake City insurance agents, simply jump to this page.

Once you have received positive feedback to any questions you have and locked in a price quote, you have narrowed it down to an auto insurance agent that meets your needs to service your policy.

Are online companies an option?

Car insurance agents can be invaluable at times, but Utah consumers also have the option to buy from online companies direct. Certain companies, such as State Farm, Allstate and Farmers, that sell primarily through agents also let you get a quote and buy online, and that is helpful.

If you’re uncomfortable with not having an insurance agent’s advice, don’t let it bother you. Companies all have client service departments for getting advice on proper coverages.

Do people save by buying online? Whether or not you’ll save is impossible to say since there may be dozens of rate factors which can raise or lower premium rates. Common sense would say that buying directly from the company saves money by not requiring a commission. But in reality, advertising and marketing take a lot of money and that can quickly cost more than paying an agent.

The best approach to find out if local insurance agents or online providers are cheaper is to make apples-to-apples comparisons of both. You could possible even receive different price quotes for the same auto insurance company when they use both methods.

Utah insurance quotes

Shop smart and save

Drivers switch companies for a variety of reasons including being labeled a high risk driver, not issuing a premium refund, policy cancellation and even denial of a claim. Regardless of your reason, switching companies is pretty easy and you might even save some money in the process.

When you buy insurance online, make sure you don’t buy less coverage just to save a little money. In many cases, drivers have reduced physical damage coverage only to find out that the savings was not a smart move. The proper strategy is to get the best coverage possible at an affordable rate.

Even more information is available at the Utah Insurance Department website. Utah consumers can read enforcement actions against agents and companies, read industry bulletins, and view agent and company licensing information.