8 Ways You Can Buy Car Insurance for Less in Magna Utah

Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me, there are lots of people in the same boat. You have so many to buy insurance from, and although it's nice to have a selection, lots of choices makes it harder to compare rates.

It's important to price shop coverage at least once a year since rates are constantly changing. Just because you found the best price on your last policy the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about car insurance because we're going to demonstrate how to use online quotes to get good coverage at a lower rate.

Take advantage of discounts

Companies that sell car insurance do not list all their discounts very clearly, so we took the time to find both the well known as well as the least known discounts you could be receiving. If you're not getting every credit possible, you're paying more than you need to.

Life Insurance Discount - Some companies give a discount if you purchase auto and life insurance together.
Drive Less and Save - Fewer annual miles can earn a substantially lower rate.
Sign Online - A handful of insurance companies may give you up to $50 just for signing your application over the internet.
College Student - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
Save with a New Car - Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
Military Discounts - Being deployed with a military unit may qualify for rate reductions.
Passive Restraint Discount - Factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
No Charge for an Accident - Certain companies will forgive one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.

It's important to note that some credits don't apply the the whole policy. Some only reduce individual premiums such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, you're out of luck.

To see a list of companies who offer car insurance discounts in Utah, click here.

Quick Magna Car Insurance Quotes

Finding cheaper car insurance prices can be surprisingly simple. Just spend a few minutes comparing rate quotes provided by online insurance companies. This can be done in several different ways.

The best way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This type of form eliminates the need for separate quote forms to each individual car insurance company. Completing one form gets you price quotes from many national carriers.
A more time consuming way to compare rate quotes requires visiting the website for each individual company and request a quote. For example, let's assume you want to compare rates from , and . To find out each rate you need to visit each site and enter your policy data, which is why the first method is more popular.

To view a list of companies in Magna, click here.
The most time-consuming method to get comparison rates is to waste gas driving to insurance agents' offices. The ability to buy insurance online has reduced the need for local agents unless you require the professional advice only provided by licensed Magna agents. It is possible to obtain prices from the web and still use a local agent and we'll cover that in a bit.

Whichever method you choose, compare identical quote information with every price quote. If you have mixed coverages it will be impossible to find the best deal in Magna.

Are car insurance companies telling the truth?

Consumers in Utah can't get away from ads that promise big savings from companies such as GEICO, State Farm and Progressive. They all seem to have a common claim that you can save after switching your policy.

How does each company claim to save you money?

All the different companies are able to cherry pick for the right customer that is profitable for them. For example, a desirable insured might be between the ages of 30 and 50, has no tickets, and has great credit. Any new insured that hits that "sweet spot" will get very good rates and most likely will save when switching.

Potential customers who don't qualify for these standards will have to pay a more expensive rate and this can result in the customer not buying. The ads say "customers that switch" not "people who quote" save that kind of money. That's the way insurance companies can advertise the savings. Because of the profiling, drivers must get quotes from several different companies. It's just too difficult to predict which car insurance company will fit your personal profile best.

In the end, you save

When you buy insurance online, it's very important that you do not reduce coverage to reduce premium. In many instances, an insured dropped physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at a price you can afford.

Lower-priced car insurance can be sourced both online in addition to many Magna insurance agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Find out more about car insurance

Additional detailed information can be found at the Utah Insurance Department website. Visitors are able to file complaints about an insurance agent or broker, discover disciplinary actions, get help finding coverage, and read enforcement actions against agents and companies.