Alpine Car Insurance For Less Than You're Paying Now

If you've never shopped for car insurance online, you may be overwhelmed by the large number of car insurance companies competing for business in Alpine.

If you have a current car insurance policy or are shopping for new coverage, you will benefit by learning to shop for the lowest rates while maintaining coverages. This information will familiarize you with how to get online quotes and some tips to save money. Utah drivers only need an understanding of the most efficient way to find the lowest price over the internet.

Understand what determines the rate you pay

Consumers need to have an understanding of the rating factors that help determine the rates you pay for car insurance. Understanding what determines base rates helps enable you to make changes that could result in much lower annual insurance costs.

The following are a few of the "ingredients" that factor into premiums.

What are your deductibles? - Physical damage deductibles represent how much money you are required to spend before a claim is paid by your company. Coverage for physical damage, also known as collision and other-than-collision, covers damage that occurs to your car. Some examples of claims that would be covered would be colliding with a building, damage caused by hail, or theft. The higher the amount the insured has to pay upfront, the lower your rates will be.
Bad driving skills means higher rates - Drivers with clean records receive lower rates compared to drivers with tickets. Only having one citation may increase your cost twenty percent or more. Drivers with flagrant tickets like hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
Teen drivers pay high rates - Older drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Youthful drivers are known to get distracted easily behind the wheel therefore car insurance rates are much higher.
Men pay higher rates - Statistics show that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Both sexes cause accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to have more aggressive citations like DUI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and are penalized with high car insurance rates.

Vehicle Insurance Comparison

There are multiple methods to shop for car insurance, but one way is less labor-intensive and much quicker. You can spend your afternoon talking to agents in Alpine, or you can utilize the web to accomplish the same thing much quicker.

Most of the larger companies participate in a marketplace that enables customers to submit their information once, and each participating company returns a rated price based on that information. This system prevents you from having to do form submissions to each individual car insurance company.

To submit your quote information now, click here to open in new window.

The only drawback to doing it this way is you can't choose which providers you want pricing from. So if you prefer to choose from a list of companies for rate comparison, we have a listing of low cost car insurance companies in Utah. Click to view list.

It's up to you how you get prices quotes, just be sure to compare the exact same coverage information for each price quote. If the quotes have unequal deductibles or liability limits it will be impossible to truly determine the lowest rate in Alpine.

Don't pay full price with these discounts

Companies offering auto insurance don't always list all available discounts in an easy-to-find place, so we break down both the well known and the more hidden ways to save on car insurance. If they aren't giving you every credit you qualify for, you are paying more than you should be.

Homeowners Savings - Owning a home in Alpine may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
Good Student - This discount can earn a discount of 20% or more. This discount can apply well after school through age 25.
Senior Citizens - If you're over the age of 55, you may be able to get a discount up to 10%.
Multiple Vehicles - Having multiple vehicles with the same company could earn a price break for each car.
Federal Employees - Employees or retirees of the government could cut as much as 10% off depending on your company.
Auto/Life Discount - Larger companies have lower rates if you buy life insurance.
Organization Discounts - Being a member of certain professional organizations could trigger savings when buying car insurance.
Fewer Miles Equal More Savings - Fewer annual miles can earn better rates on cars that stay parked.

Consumers should know that most discount credits are not given to the entire policy premium. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way.

To choose insurers who offer car insurance discounts in Alpine, click this link.

The car insurance bait and switch

Consumers in Utah can't ignore all the ads for cheaper car insurance from companies such as Allstate, GEICO and Progressive. All the companies make the same claim of big savings after switching your policy.

How do they all claim to save you money?

Insurance companies have a certain "appetite" for the right customer that makes them money. For example, a profitable customer might be between the ages of 30 and 50, a clean driving record, and chooses high deductibles. Any driver who matches those parameters will get the preferred rates and therefore will cut their rates substantially.

Drivers who don't measure up to the "perfect" profile must pay higher premiums which leads to the customer not buying. The ads state "people who switch" not "everyone that quotes" save that kind of money. That is how insurance companies can confidently state the savings. This illustrates why you need to get as many quotes as possible. You cannot predict which company will give you the biggest savings.

Your personal situation dictates your coverage

When buying adequate coverage for your vehicles, there is no perfect coverage plan. Everyone's needs are different.

Here are some questions about coverages that may help highlight whether or not you might need an agent's assistance.

When do I need to add a new car to my policy?
Do I need to file an SR-22 for a DUI in Utah?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Can I afford to buy a different vehicle if my vehicle is totaled?
Should I put collision coverage on all my vehicles?
Do I have coverage for damage caused while driving under the influence?

If it's difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

More tips and info about car insurance can be found at the Utah Insurance Department website. Visitors are able to report car insurance fraud, file complaints about a company, and read enforcement actions against agents and companies.

And the best car insurance company is...

Cost effective car insurance can be bought both online in addition to many Alpine insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

We just presented some good ideas how to compare car insurance prices online. The most important thing to understand is the more rate comparisons you have, the better chance you'll have of finding lower rates. You may be surprised to find that the lowest rates come from an unexpected company.

When buying insurance coverage, never reduce coverage to reduce premium. In too many instances, someone dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.