Having to pay for overpriced auto insurance can dwindle your bank account and make it hard to pay other bills. Doing a price comparison is free, only takes a few minutes, and is a good way to lower your monthly bill.
Having so many companies and agents to choose from, it can be diffult for consumers to locate the right insurer.
Buying car insurance in Bountiful is not that difficult. If you are paying for car insurance now, you will be able to reduce your rates substantially using this strategy. But Utah consumers need to learn how companies sell insurance online and take advantage of how the system works.
To find the best auto insurance prices, there are several ways of comparing rate quotes from auto insurance companies in your area. The simplest method to find the cheapest insurance rates is simply to get online rate quotes. This can be accomplished using a couple different methods.
For a handy list of car insurance company links in Bountiful, click here.
Which method you use is up to you, but make absolute certain that you use exactly the same coverages and limits for every company. If you are comparing higher or lower deductibles it will be very difficult to decipher which rate is best in Bountiful. Quoting even small variations in insurance coverages may cause a big price difference. Keep in mind that quoting more helps locate the best offered rates.
Auto insurance companies such as GEICO, State Farm and Progressive regularly use television and radio advertisements. They all seem to say the same thing that you’ll save big if you move your policy. How can each company claim to save you money?
Insurance companies are able to cherry pick for the type of customer that earns them a profit. For instance, a profitable customer could be over the age of 40, owns a home, and has a short commute. A customer who meets those qualifications receives the best rates and as a result will probably save a lot of money.
Consumers who don’t meet these standards will be quoted a more expensive rate and this can result in business going elsewhere. The ad wording is “people who switch” not “people who quote” save that kind of money. That is how companies can truthfully make those claims. This emphasizes why you absolutely need to get a wide range of price quotes. Because you never know the company that will fit your personal profile best.
It’s important that you understand the factors that come into play when calculating your auto insurance rates. Knowing what impacts premium levels helps enable you to make changes that will entitle you to big savings.
The list below includes a few of the “ingredients” that factor into prices.
Auto insurance companies don’t always advertise every available discount in a way that’s easy to find, so we break down both well-publicized and the harder-to-find ways to save on auto insurance.
A little note about advertised discounts, many deductions do not apply to the entire cost. Most cut the cost of specific coverages such as collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, it just doesn’t work that way.
Some people would prefer to sit down with an agent and that is just fine! The biggest benefit of comparing insurance prices online is that you can obtain the best rates but still work with a licensed agent.
After completing this form (opens in new window), your insurance coverage information is sent to local insurance agents who will compete for your insurance coverage. You won’t need to leave your house since price quotes are sent straight to your inbox. How’s that for easy! You can find the lowest rates and work with a local agent.
Selecting an insurance company shouldn’t rely on just a cheap price. Any agent should be forthright in answering these questions:
If you’re trying to find a reliable agent, you must know there are a couple types of insurance agents that you can select. Agents are either captive or independent (non-captive).
These agents write business for a single company and some examples include AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They generally cannot compare other company’s rates so they have no alternatives for high prices. They are trained well in insurance sales and that can be a competitive advantage.
Listed below are Bountiful captive insurance agents willing to provide rate quotes.
Farmers Insurance Group – 505 S Main St # 201 – Bountiful, UT 84010 – (801) 292-5060
American Family Insurance – 273 W 500 S # 21 – Bountiful, UT 84010 – (801) 296-2557
Liberty Mutual Insurance – 74 E 500 S # 104 – Bountiful, UT 84010 – (801) 295-8886
Allstate – 1835 High Pointe Dr – Bountiful, UT 84010 – (801) 397-9300
Independent agents are not employed by any specific company but instead can place your coverage with many different companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage and that require little work on your part. When searching for an agent, it’s a good idea to contact at least one independent agent to ensure the widest selection of prices.
Below is a list of independent insurance agents in Bountiful who can help you get comparison quotes.
Mark G Kano Insurance Inc – 21 S 200 W – Bountiful, UT 84010 – (801) 298-2636
Realvalue Insurance – 190 N Main St # 200 – Bountiful, UT 84010 – (801) 298-3811
Dorothy M Nuffer Agency Inc – 152 W 500 S – Bountiful, UT 84010 – (801) 292-1230
For a full directory of Bountiful insurance agents, please go to this site.
After receiving answers to your satisfaction for all questions you ask and locked in a price quote, chances are good that you have found an insurance agent that can properly service your auto insurance policy.
As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced full coverage only to find out that it was a big error on their part. Your focus should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.
In this article, we presented many ideas to shop for auto insurance online. The key concept to understand is the more quotes you get, the better your comparison will be. Consumers may even find the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. These companies may often insure only within specific states and give getter rates than their larger competitors like GEICO and State Farm.
Budget-conscious auto insurance can be bought from both online companies and also from your neighborhood Bountiful agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.
Even more information can be found at the Utah Insurance Department website. Utah drivers can learn about insurance regulations, file complaints about an insurance agent or broker, discover disciplinary actions, and learn about specific coverages.