Lehi Utah Car Insurance Savings the Companies Don’t Want You to Know About

Purchasing cheap Lehi car insurance on the internet is somewhat difficult for people who are new to comparing rates online. With so many insurers to choose from, how can you effectively compare every one to find the lowest rates?

Consumers should take time to check car insurance prices periodically because prices are adjusted regularly by insurance companies. Even if you got the best rates a few years ago you can probably find a lower rate today. Starting now, block out anything you think you know about car insurance because you’re going to learn the things you must know in order to save on car insurance.

This article will help educate you on the most effective way to quote insurance and some tips to save money. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Utah drivers only need to know the proper way to find the lowest price online.

Compare Car Insurance Today

All major car insurance companies provide prices for coverage on the web. The process is fairly straightforward as you simply enter your coverage information as detailed in the form. Behind the scenes, the company’s rating system makes automated requests for credit information and your driving record and provides a quote based on these factors.

This simplifies rate comparisons, but the process of having to visit several different sites and type in the same information can be a bit tiresome and repetitive. Unfortunately, it is important to do this if you want to find the lowest car insurance rates.

The preferred way to find better car insurance pricing uses one form that gets prices from a lot of companies. The form is fast, requires much less work on your part, and makes comparison shopping much more enjoyable and efficient. After your information is entered, it is rated and you are able to buy your choice of the resulting price quotes.

If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. This process takes 15 minutes at the most and could lower your rates considerably.

To save time and compare rates now, click here and fill out the form. If you have your current policy handy, we recommend you input deductibles and limits identical to your current policy. This way, you will have rate comparison quotes for the exact same coverage.

Don’t overlook these discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts that you may not know about. Some trigger automatically when you purchase, but a few must be specifically requested before you will receive the discount. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Paperless Signup – A handful of insurance companies will give a small break for buying a policy and signing up online.
  • College Student – Kids in college living away from home attending college without a vehicle on campus can receive lower rates.
  • Payment Method – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less than drivers with accidents.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get better car insurance rates.

Consumers should know that some of the credits will not apply to the entire policy premium. Most only reduce individual premiums such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, it just doesn’t work that way. Any qualifying discounts will reduce your overall premium however.

To see a list of providers offering car insurance discounts in Lehi, click here to view.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the rating factors that come into play when calculating car insurance rates. Understanding what impacts premium levels helps enable you to make changes that may reward you with better car insurance rates.

The list below includes a partial list of the pieces that factor into rates.

  • Women pay lower rates – Statistics show that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes are in accidents at a similar rate, but the males cause more damage. They also get cited for more serious violations such as DWI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and therefore have the most expensive car insurance rates.
  • Performance influences rates – The make and model of the car you are insuring makes a big difference in determining your rates. The most favorable rates are for small economy passenger cars, but there are many factors that impact the final cost.
  • Don’t cancel a policy without a new one in place – Letting your insurance expire will be a quick way to pay more for car insurance. Not only will you pay more, but not being able to provide proof of insurance may earn you a revoked license or a big fine.
  • Higher deductibles cost less – Physical damage deductibles define the amount you are required to spend out-of-pocket if you file a covered claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. A few examples of covered claims are running into the backend of another car, vandalism, and rolling your vehicle. The more money you have to pay, the less your car insurance will be.
  • Where you live is a factor – Residing in less populated areas can save you money when it comes to car insurance. Fewer drivers translates into fewer accidents and a lower car theft rate. City drivers have to deal with traffic congestion and much longer commute distances. More time on the road can result in more accidents.
  • Pleasure use saves money – The more miles you rack up on your car in a year’s time the more you will pay for car insurance. The majority of insurers charge to insure your cars based on their usage. Vehicles used primarily for pleasure use can get a lower rate than those used for commuting. Double check that your car insurance policy properly reflects how each vehicle is driven, because it can save money.
  • Traffic violations increase rates – Your driving citation history impacts your car insurance rates tremendously. Good drivers get better rates than their less careful counterparts. Even a single moving violation can increase rates forty percent or more. Drivers who have dangerous citations like DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.

Are insurance agents obsolete?

Certain consumers would prefer to buy from a local agent. Good agents can answer important questions and give you peace of mind. The best thing about comparing insurance prices online is the fact that you can find the best rates but also keep your business local. And providing support for local agencies is important particularly in Lehi.

To find an agent, once you fill out this form (opens in new window), the coverage information is submitted to participating agents in Lehi who will compete for your business. You won’t need to leave your house as quotes are delivered directly to your email. How cool is that?!

Choose an insurance agent wisely

When finding a reliable agent, there are a couple of different agency structures from which to choose. Lehi agents are either captive or independent (non-captive). Both types can write coverage properly, but it’s worth learning how they differ since it can impact the selection process.

Independent Agents

Independent agents are not employed by any specific company but instead can place your coverage with many different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage and you don’t have to find a new agent. When shopping rates, it’s recommended you contact multiple independent agents to get the best comparison. They often place coverage with smaller companies who may have lower rates.

The following are independent agents in Lehi who can help you get price quote information.

  • Greater Salt Lake Agency – 2839 N 675 E – Lehi, UT 84043 – (801) 768-8696
  • Horace Mann Insurance Co – 166 W 2040 N – Lehi, UT 84043 – (801) 768-1206
  • Sorensen Insurance – 441 W Main St # A – Lehi, UT 84043 – (801) 766-5990
  • Nelson Serg Agency – 887 N 100 E – Lehi, UT 84043 – (801) 766-6535
  • Ben Torgerson Agency – 1302 Redwood Rd – Lehi, UT 84043 – (801) 768-3619
Captive Insurance Agents

Captive agencies can only write with one company such as Allstate, AAA, Liberty Mutual and State Farm. They usually cannot provide prices from multiple companies so they are skilled at selling on more than just price. They are very knowledgeable in insurance sales and that can be a competitive advantage. Some people will only choose to use a captive agent primarily because of loyalty to the company and solid financial strength.

The following is a list of captive insurance agents in Lehi who can help you get price quotes.

  • Allstate Insurance Co – 225 W State St – Lehi, UT 84043 – (801) 766-8988

For a complete listing of captive insurance agents in Lehi, visit this link.

Picking an insurance agent should depend on more than just the bottom line cost. Ask your prospective agent these questions:

save money in Lehi UT

  • Which company do they place the most coverage with?
  • Are claims handled at the agent’s location?
  • How long has their agency been open in Lehi?
  • Who is covered by the car insurance policy?
  • What insurance companies do they work with?

After receiving acceptable answers and a low price estimate, chances are good that you have found an insurance agent that will properly insure your vehicles.

More information can be found on the Utah Insurance Department website through this link. Utah drivers can file complaints about an insurance agent or broker, read consumer alerts, and get help finding coverage.

More comparisons equals lower rates

As you shop your coverage around, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where drivers have reduced full coverage only to discover later that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

Drivers leave their current company for a number of reasons such as extreme rates for teen drivers, being labeled a high risk driver, high prices or even policy cancellation. No matter why you want to switch, finding a great new company is less work than it seems.

Cheaper car insurance is possible online and also from your neighborhood Lehi agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.