Top 8 Ways to Pay Less on Auto Insurance in Riverton

I can’t think of anyone who looks forward to buying auto insurance, especially when they are paying too much.

Multiple car insurance companies compete for your business, so it’s not easy to compare every insurance company to get the cheapest price

Riverton Auto Insurance Prices Online

There are a variety of methods you can shop for auto insurance but some are less labor-intensive and much quicker. You could waste a few hours talking to insurance agencies in Riverton, or you can utilize the internet to achieve your goal.

Most major companies participate in an industry program that allows shoppers to enter their coverage request one time, and at least one company then gives them pricing for coverage. This saves time by eliminating quote requests for each company. To fill out one form to compare multiple rates now click to open in new window.

One minor caviat to doing it this way is you don’t know exactly which carriers you will receive quotes from. If you prefer to choose from a list of companies to compare, we have a page of companies who write auto insurance in Utah. Click here to view list.

However you get your quotes, make sure you use the exact same information on every quote you get. If you enter differing limits it will be very difficult to make a fair comparison in Riverton. Having just a slight variation in insurance coverages can result in a big premium difference. And when comparing auto insurance rates, know that comparing a large number of companies helps you find a better price.

Verify you’re getting all your discounts

Companies do not advertise every available discount in a way that’s easy to find, so we break down both well-publicized as well as the least known savings tricks you should be using.

  • Defensive Driver – Taking a driver safety course could cut 5% off your bill depending on where you live.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts compared to bad drivers.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.
  • Low Mileage Discounts – Fewer annual miles can earn discounted rates on garaged vehicles.
  • Safe Drivers – Safe drivers may save up to 50% more than drivers with accident claims.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Own a Home – Being a homeowner can save you money due to the fact that maintaining a home shows financial diligence.
  • Auto/Life Discount – Larger companies have lower rates if you buy auto and life insurance together.

Consumers should know that some of the credits will not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comprehensive or collision. Just because it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous.

Your insurance agent down the street

Some people prefer to get advice from a local agent and there is nothing wrong with that. The best thing about price shopping on the web is the fact that you can find lower rates but still work with a licensed agent.

To make it easy to find an agent, after completing this form (opens in new window), your coverage information is transmitted to agents in your area who will give you bids for your business. You don’t have to even leave your home due to the fact that quote results will go directly to your email. How cool is that?! Get lower rates and an insurance agent to talk to.

Choosing an insurer requires more thought than just the price. Some important questions to ask are:

  • Do they specialize in personal lines coverage?
  • Can they provide you with a list of referrals?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Do they review policy coverages at every renewal?

Choose an insurance agent wisely

If you’re trying to find a good insurance agency, there are two types of insurance agents from which to choose. Agents are categorized either captive or independent (non-captive).

Agency Captives

Captive insurance agents can only place business with one company and examples are Allstate, Farmers Insurance or State Farm. They generally cannot provide prices from multiple companies so they have no alternatives for high prices. These agents are well schooled on their company’s products which helps them sell insurance even at higher premiums.

Below is a list of captive agents in Riverton who may provide you with price quote information.

American Family Insurance – 3898 W 13400 S # D – Riverton, UT 84065 – (801) 446-9853
Allstate Insurance – 12652 S 2700 W # C2 – Riverton, UT 84065 – (801) 446-6505
State Farm Insurance – 2120 W 12600 S # C – Riverton, UT 84065 – (801) 253-1588

Independent Agents (or Brokers)

Independent agencies are not locked into one company so they have the ability to put coverage with lots of 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 won’t have to switch agencies. When searching for an agent, it’s recommended you include price quotes from several independent insurance agents to have the most options to choose from.

Below is a list of independent insurance agents in Riverton that are able to give price quotes.

Insurance – 1420 W 12600 S – Riverton, UT 84065 – (801) 446-6148
Garner D Jensen Insurance Grp – 2120 W 12600 S – Riverton, UT 84065 – (801) 254-7488

To view a full list of insurance agents in Riverton, simply jump to this page.

Upon receiving positive feedback for all questions you ask in addition to an acceptable price estimate, chances are good that you have found a car insurance agent that will properly service your auto insurance policy.

More tips and info about auto insurance is located at the Utah Insurance Department website. Consumers can learn about specific coverages, report car insurance fraud, and learn about insurance regulations.

More related Riverton auto insurance information:

Do drivers who switch really save $428 a year?

Companies like Allstate, GEICO and Progressive consistently run ads in print and on television. All the ads make an identical promise that you can save if you change your coverage to them. How do they all make the same claim?

Insurance companies are able to cherry pick for the right customer that makes them money. An example of a profitable customer might be profiled as over the age of 50, is a homeowner, and has a short commute. A customer that hits that “sweet spot” is entitled to the best price and most likely will save when switching.

Potential customers who don’t qualify for these standards must pay higher premiums which usually ends up with the driver buying from a lower-cost company. The ads state “drivers who switch” not “everybody who quotes” save that much. This is how companies can state the savings. This illustrates why you should get as many comparisons as possible. It’s impossible to know which insurance companies will provide you with the cheapest rates.

Specifics of your auto insurance policy

Learning about specific coverages of your policy can help you determine appropriate coverage for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages available from auto insurance companies.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your vehicle.

Due to the fact that many Utah drivers carry very low liability coverage limits (25/65/15), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for hospital visits, doctor visits, funeral costs and dental work. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

car insurance image

Comprehensive insurance covers claims such as hail damage, theft, damage from getting keyed, hitting a deer and hitting a bird. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

Collision insurance will pay to fix damage to your vehicle resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like rolling your car, colliding with another moving vehicle, sustaining damage from a pot hole, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Liability auto insurance

This coverage protects you from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as legal defense fees, medical services and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford. Utah requires drivers to carry at least 25,000/65,000/15,000 but you should think about purchasing more coverage.

More quotes mean more savings

Discount auto insurance can be sourced both online as well as from independent agents in Riverton, and you should compare price quotes from both so you have a total pricing picture. A few companies don’t offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When shopping online for auto insurance, it’s a bad idea to skimp on coverage in order to save money. In many cases, consumers will sacrifice comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

You just learned quite a bit of information on how to reduce auto insurance prices online. The key concept to understand is the more price quotes you have, the higher your chance of finding lower rates. Drivers may discover the biggest savings come from an unexpected company. Regional companies often have lower prices on specific markets compared to the large companies like Allstate or State Farm.