Free Guide to Paying Less for Hurricane Car Insurance Online

Have you had enough of not being able to afford each month for car insurance? Your situation is no different than many other Utah consumers. You have so many to buy insurance from, and although it's a good thing to have a selection, lots of choices makes it harder to compare rates.

Finding affordable coverage in Hurricane is easy if you know what you're doing. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this information. Utah vehicle owners just need to know the proper way to compare company rates over the internet.

Be sure to get all your discounts

Car insurance companies don't always advertise every discount very clearly, so we researched both the well known and the harder-to-find car insurance savings. If you're not getting every credit available, you're paying more than you need to.

  • Drivers Education - Have your child successfully complete driver's ed class if it's offered in school.
  • Claim Free - Claim-free drivers pay much less when compared to bad drivers.
  • Paperwork-free - Some insurance companies may give you up to $50 for buying a policy and signing up over the internet.
  • Distant Student - Children who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Senior Citizens - Mature drivers may be able to get a small decrease in premiums.
  • Driver Safety - Taking a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Homeowners Pay Less - Simply owning a home may trigger a car insurance policy discount due to the fact that maintaining a home shows financial diligence.
  • Payment Method - If you pay your bill all at once instead of paying each month you could save up to 5%.
  • One Accident Forgiven - Certain companies will allow you to have one accident before raising your premiums if your claims history is clear for a certain period of time.

Consumers should know that most credits do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you could get a free car insurance policy, companies don't profit that way.

To see a list of insurance companies who offer car insurance discounts in Utah, follow this link.

compare Hurricane car insurance rates

Cheap Hurricane Car Insurance Comparisons

There are several ways you can shop for car insurance but some are less labor-intensive and much quicker. You can waste a lot of time discussing policy coverages with insurance companies in Hurricane, or you can stay home and use the web to quickly compare rates.

Many insurance companies are enrolled in a marketplace that allows shoppers to complete one form, and each participating company provides a quote for coverage. This eliminates the need for quotation requests to each individual car insurance company.

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

One minor caviat to comparing rates this way is you cannot specify which carriers to get quotes from. So if you prefer to pick individual companies to compare rates, we have a page of the cheapest car insurance companies in Utah. Click to view list.

It doesn't matter which method you choose, just ensure you're using identical quote information on every quote you get. If you use mixed coverages it will be very difficult to determine which rate is truly the best in Hurricane.

Tips to Get Lower Hurricane Rates

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for car insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that will entitle you to better car insurance rates.

The following are a partial list of the pieces used by your company to calculate prices.

  • Small claims can cost you - If you file claims often, you can definitely plan on either higher rates or even cancellation. Companies in Utah provide lower rates to people who do not file claims often. Car insurance is intended for major claims that would cause financial hardship.
  • Occupation reflects on rates - Did you know your occupation can influence how much you pay for car insurance? Careers like judges, architects and financial analysts have higher average rates in part from stressful work requirements and long work hours. Conversely, occupations like farmers, engineers and performers get better rates.
  • Your spouse saves you money - Having a wife or husband can get you a discount when buying car insurance. Having a significant other translates into being more mature than a single person it has been statistically shown that drivers who are married are more cautious.
  • Mature drivers pay less - Youthful drivers in Utah are known to be careless and easily distracted in a vehicle so they pay higher car insurance rates. Mature drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers.
  • Women pay lower rates - The statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Men and women have accidents in similar numbers, but the men have costlier accidents. Men also statistically get cited for more serious violations like DUI and reckless driving. Teenage male drivers tend to get in the most accidents and therefore have the most expensive car insurance rates.
  • Don't buy coverages you don't need - There are a ton of extra bells and whistles that can waste your money when buying car insurance. Coverages for vanishing deductibles, accident forgiveness and additional equipment coverage are examples of these. They may seem like a good idea when talking to your agent, but now you might not need them so eliminate them to save money.
  • Lower rates with optional equipment - Driving a car with anti-theft technology or alarm system can get you a discount on your car insurance. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder your car from being stolen.
  • Bad driving skills means higher rates - A bad driving record has a lot to do with how much you pay for insurance. Drivers who don't get tickets tend to pay less for car insurance compared to drivers with tickets. Just one ticket can bump up the cost by twenty percent. If you have flagrant violations like DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.

Is there truth in advertising?

Consumers in Utah can't get away from ads for the lowest price auto insurance from the likes of State Farm, Allstate and GEICO. They all say the same thing that you'll save big after switching your coverage to them.

How does each company claim to save you money? This is how they do it.

Different companies can use profiling for the type of customer that is profitable for them. For instance, a driver they prefer might be between 25 and 40, is a homeowner, and chooses high deductibles. Any driver who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Drivers who don't measure up to these standards will be quoted a higher premium which usually ends up with the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much money. That's why companies can state the savings. This emphasizes why drivers must get as many comparisons as possible. You cannot predict the company that will give you the biggest savings.

A tidy conclusion

Discount car insurance can be sourced both online as well as from independent agents in Hurricane, so you should compare both to have the best selection. Some insurance companies don't offer the ability to get a quote online and these small, regional companies work with independent agents.

When buying insurance coverage, it's very important that you do not reduce coverage to reduce premium. There have been many situations where an accident victim reduced liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage for the lowest price while still protecting your assets.

More detailed Utah car insurance information is located at the Utah Insurance Department website. Visitors are able to download brochures, read industry bulletins, get help finding coverage, and read enforcement actions against agents and companies.