Ultimate Methods for Cheap Murray Auto Insurance

Shopping for the most affordable Murray auto insurance online can seem to be challenging for consumers new to buying insurance on the web. With so many choices of insurers to choose from, how can anyone effectively compare them all to find the best price?

It’s important to compare prices yearly since insurance rates fluctuate regularly. Even if you got the lowest rates a couple years back there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you’re about to find out the proper way to get good coverage at a lower rate.

How to Compare Auto Insurance Costs in Murray, UT

The are a couple different ways of comparing price quotes from local in Murray, UTauto insurance companies. By far the easiest way to find competitive insurance rates involves getting comparison quotes online. This can be done in just a few minutes using one of these methods.

The recommended way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This type of form saves time by eliminating separate forms for each company you want a rate for. A single form gets rate comparisons direct from many companies. It’s the fastest way to compare.

A different way to compare rate quotes is spending the time to visit the website of each company to request a price quote. For sake of this example, let’s assume you want to compare Allstate, Esurance and State Farm. You would have to go to every website and enter your information, and that’s why the first method is more popular. For a handy list of car insurance company links in Murray, click here.

The most time-consuming method to compare rates is to spend time driving to different Murray agent offices. Shopping for auto insurance online has reduced the need for local agents unless you require the personal advice of a local Murray agent. Drivers can find lower rates online and still use a local agent and we’ll talk about that later.

Whichever way you use, make darn sure you compare exactly the same coverage limits for each price quote. If you compare different limits and deductibles on each one you will not be able to decipher which rate is best in Murray. Just a small difference in insurance coverages could mean much higher rates. Just keep in mind that obtaining a wide range of quotes helps you find the best rates.

These discounts can lower your rates

Insurance can be prohibitively expensive, but you can get discounts that you may not even be aware of. Some trigger automatically when you get a quote, but a few need to be specially asked for before you will receive the discount.

  • Defensive Driving Course – Taking part in a course in driver safety could cut 5% off your bill if your company offers it.
  • Student in College – Youth drivers who are attending college and do not have access to a covered vehicle can receive lower rates.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy could earn a price break for each car.
  • Discount for Good Grades – This discount can save 20 to 25%. The discount lasts well after school through age 25.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than drivers with accidents.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with better rates on cars that stay parked.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Most only apply to the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, you won’t be that lucky. But all discounts will help reduce the cost of coverage.Utah insurance ad

Neighborhood agents for auto insurance

A small number of people just want to visit with an insurance agent. The biggest benefit of comparing rates online is you may find lower rates but still work with a licensed agent. And providing support for local businesses is important particularly in Murray.

After filling out this simple form, the quote information is emailed to local insurance agents in Murray who will return price quotes for your coverage. You never need to visit any agencies as quotes are delivered straight to your inbox. How’s that for easy! You can find the lowest rates and an insurance agent to talk to.

Different types of car insurance agents in Murray

When searching for an insurance agent, you need to know there are two different types of agents that you can select. Murray agents are either captive or independent (non-captive).

Independent Agents (or Brokers)

Independent insurance agents are not locked into one company so they can insure your vehicles amongst many companies and potentially find a lower price. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part. When comparing rates, you should always contact multiple independent agents to ensure the widest selection of prices.Many can place coverage with lesser-known insurance companies which can save you money.

Shown below are Murray independent insurance agencies that may be able to provide competitive price quotes.

  • AKA Insurance Group – 662 E Winchester St – Murray, UT 84107 – (801) 461-4929
  • Eriksen Agency – 4901 S State St # E – Murray, UT 84107 – (801) 264-9222
  • Alder Insurance Agency – 1035 Bellwood Ln – Murray, UT 84123 – (801) 968-1172
  • Experior Insurance Testing – 5250 Commerce Dr # 110 – Murray, UT 84107 – (801) 269-0840
Captive Insurance Agents

These agents can only place business with one company and some examples include State Farm, Allstate and AAA. They generally cannot give you multiple price quotes so they have no alternatives for high prices. Captive agencies are very knowledgeable in insurance sales which can be an advantage. Some consumers prefer to choose to use a captive agent mostly because of the brand legacy and solid financial strength.

Listed below is a short list of captive agencies in Murray willing to provide rate quotes.

  • Allstate Insurance – 404 E 4500 S # B34 – Murray, UT 84107 – (801) 685-8450
  • Liberty Mutual Insurance – 756 E Winchester St – Murray, UT 84107 – (801) 685-0515
  • Farmers Insurance Group – 214 E 4500 S – Murray, UT 84107 – (801) 268-4843
  • State Farm Insurance – 4586 S 700 E – Murray, UT 84107 – (801) 262-6633

For a full directory of auto insurance agents in Murray, simply jump to this page.

Choosing an insurance agent needs to be determined by more than just a low price. Ask your prospective agent these questions:

save money in Utah

  • How much can you save by raising your physical damage deductibles?
  • Will your rates increase after a single accident?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Is their price quote a firm figure or are their hidden costs?
  • Did they already check your driving record and credit reports?
  • Are you getting all the discounts the company offers?
  • Is the agency involved in supporting local community causes?
  • Do they make recommendations based only on price?

Upon getting good answers to all your questions and locked in a price quote, you may have just found an auto insurance agent that will service your policy.

Additional auto insurance information is located on the Utah Insurance Department website found here. Utah consumers can discover disciplinary actions, learn about insurance regulations, and read industry bulletins.

One last thing

Insureds switch companies for any number of reasons including poor customer service, being labeled a high risk driver, unfair underwriting practices and even not issuing a premium refund. It doesn’t matter why you want to switch choosing a new insurance company can be easy and end up saving you some money.

Affordable auto insurance is available on the web and with local Murray insurance agents, so compare prices from both to get a complete price analysis. A few companies do not offer online quoting and most of the time these small, regional companies sell through independent agents.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on coverage in order to save money. In many cases, consumers will sacrifice full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.