Compare Blanding Auto Insurance Prices With These Methods

Are you intimidated by the sheer number of auto insurance choices in Blanding? You have a lot of company. There are so many companies to choose from that it can turn into more work than you anticipated to find the perfect company for you.

It's important to compare prices every six months because prices are constantly changing. Just because you found the lowest rates on your last policy you will most likely find a better rate today. So just block out anything you think you know about auto insurance because you're going to get a crash course in the tricks you need to know to find lower rates on auto insurance.

Save big with these discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not know about. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be inquired about prior to receiving the credit. If you're not getting every credit possible, you are throwing money away.

  • Save over 55 - If you qualify as a senior citizen, you may receive a small decrease in premiums.
  • Clubs and Organizations - Participating in a qualifying organization may earn a discount on auto insurance.
  • Multiple Cars - Insuring all your vehicles on one policy can get a discount on all vehicles.
  • Life Insurance Discount - Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Lower Rates for Military - Being deployed with a military unit could be rewarded with lower premiums.
  • Bundle and Save - If you have multiple policies with the same company you may save 10% to 20% off each policy.

As a disclaimer on discounts, some credits don't apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, auto insurance companies aren't that generous. Any amount of discount will bring down your overall premium however.

Blanding auto insurance comparison

Auto insurance ads bend the truth

Utah consumers get pounded daily by advertisements that promise big savings from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim about savings if you change your coverage to them.

How does each company make almost identical claims? It's all in the numbers.

Different companies are able to cherry pick for the type of customer that earns them a profit. For example, a desirable insured could possibly be between the ages of 30 and 50, has no driving citations, and has great credit. A customer getting a price quote that hits that "sweet spot" is entitled to the best price and most likely will save when switching.

Potential customers who fall outside these standards will have to pay higher prices and this can result in the driver buying from a lower-cost company. The ads state "customers who switch" not "people who quote" save that much money. That's the way companies can truthfully advertise the savings.

Because of the profiling, you should get quotes from several different companies. It's impossible to know which auto insurance company will fit your personal profile best.

Additional information can be found on the Utah Insurance Department website found here. Utah consumers can read enforcement actions against agents and companies, find out which companies have the most complaints, and report car insurance fraud.

Also read more on this Car Insurance FAQ and this page of insurance agents in Blanding.

And the best car insurance company is...

When you buy insurance online, make sure you don't buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage at the best price.

Cheap auto insurance can be sourced online as well as from independent agents in Blanding, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who don't offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

Drivers leave their current company for a variety of reasons including not issuing a premium refund, questionable increases in premium, lack of trust in their agent and even delays in paying claims. Whatever your reason, finding a new auto insurance company is less work than it seems.