How to Find Cheaper Bountiful Car Insurance

Finding lower premiums on Bountiful car insurance is hard for consumers not familiar with buying insurance online. People have so many options available that it can easily become more work than you anticipated to compare prices in Bountiful.

You have some control over your rates

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for car insurance. Understanding what influences your rates enables informed choices that could result in better car insurance rates.

High crash test scores lower rates - Safer cars are cheaper to insure. Safe vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you.
You might want pay the small claims yourself - If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Auto insurance companies in Utah provide better rates to drivers who are claim-free. Car insurance is intended for major claims that would cause financial hardship.
Rates may be higher depending on your occupation - Occupations such as real estate brokers, architects and accountants tend to have higher rates than average attributed to high stress and long work hours. On the flip side, professions such as farmers, athletes and the unemployed receive lower rates.
Extra coverages can waste money - There are a lot of extra bells and whistles that you can get tricked into buying when buying car insurance. Coverages like roadside assistance, accidental death and term life insurance are examples of these. These coverages may sound good at first, but if they're wasting money get rid of them and save.
With age comes lower rates - Mature drivers are more responsible, tend to cause fewer accidents and receive fewer citations. Youthful drivers tend to be less responsible in a vehicle therefore car insurance rates are much higher.
Rural vs Urban Areas - Being located in a small town is a positive aspect when talking about car insurance. Fewer drivers translates into fewer accidents and a lower car theft rate. Drivers who live in large Utah cities have more traffic problems and longer commutes to work. More time commuting means more change of being in an accident.
How credit affects car insurance rates - A driver's credit rating is a large factor in your rate calculation. Drivers who have high credit scores tend to be better drivers and file fewer claims than those with lower credit ratings. So if your credit score can use some improvement, you could save money insuring your by repairing your credit.

Take advantage of discounts

Car insurance companies do not advertise all available discounts in an easy-to-find place, so the following is a list of both the well known and the more hidden car insurance savings. If they aren't giving you every credit available, you are paying more than you should be.

Fewer Miles Equal More Savings - Keeping the miles down could qualify for lower rates on the low mileage vehicles.
Student Driver Training - Cut your cost by having your teen driver enroll in driver's education in high school.
No Accidents - Claim-free drivers pay less when compared with accident-prone drivers.
Defensive Driving Course - Taking a defensive driving course could save 5% or more if your company offers it.
Student in College - Children living away from home attending college without a vehicle on campus may qualify for this discount.

It's important to note that most credits do not apply to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, you're out of luck.

To choose insurers with the best car insurance discounts in Bountiful, follow this link.

Are car insurance companies telling the truth?

Consumers in Utah can't ignore all the ads for the lowest price auto insurance by 21st Century, Allstate and State Farm. All the companies say the same thing that you can save if you move to their company.

How do they all claim to save you money?

Different companies can use profiling for the driver that makes them money. A good example of a profitable customer might be over the age of 50, has no tickets, and has excellent credit. Any driver who fits that profile gets the lowest rates and most likely will cut their rates substantially.

Potential insureds who don't qualify for the "perfect" profile must pay more money which usually ends up with the customer not buying. The ads say "people who switch" not "people who quote" save that much. That's why insurance companies can make those claims. This illustrates why you should compare as many rates as you can. You cannot predict the company that will have the lowest rates.

Additional detailed information can be read at the Utah Insurance Department website. Visitors are able to find disaster information, download brochures, and read industry bulletins.

Best coverage at the best price

Lower-priced car insurance is definitely available both online and also from your neighborhood Bountiful agents, and you should be comparing both in order to have the best chance of saving money. Some companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Consumers who switch companies do it for many reasons like delays in responding to claim requests, extreme rates for teen drivers, high rates after DUI convictions or even not issuing a premium refund. No matter why you want to switch, finding the right car insurance provider is easier than you think.

While you're price shopping online, you should never buy poor coverage just to save money. There are a lot of situations where an insured dropped full coverage and found out when filing a claim they didn't purchase enough coverage. The proper strategy is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.