Best Way to Find Low-Cost Moab Auto Insurance

Are you intimidated by the number of auto insurance choices in Moab? Lot's of other consumers are too. There are so many options that it can turn into more work than you anticipated to find the best price.

It's important to take a look at other company's rates every six months because insurance rates are constantly changing. Despite the fact that you may have had the best deal a year ago there is a good chance you can find better rates now. Starting right now, block out anything you think you know about auto insurance because you're about to learn the proper way to reduce your cost while increasing coverage.

Buying car insurance in Moab is quite easy. If you are paying for car insurance now, you will be able to save some money using these methods. Utah drivers only need an understanding of the most efficient way to get comparison quotes over the internet.

Moab Rates are Influenced by These Factors

Consumers need to have an understanding of the factors that help determine the price you pay for auto insurance. When you know what positively or negatively determines base rates enables informed choices that may reward you with big savings.

The following are some of the factors auto insurance companies consider when setting rates.

  • Proper usage rating affects rates - Driving more miles in a year the more you will pay for auto insurance. Most insurance companies apply a rate determined by how the vehicle is used. Cars not used for work or commuting can get a lower rate than those used for commuting. Ask your agent if your auto insurance coverage properly reflects the proper vehicle usage, because it can save money.
  • Do you know your deductibles? - Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply could be a windshield shattered by a rock, vandalism, and windstorm damage. The deductibles are how much you are required to spend in the event of a claim. The more money you are required to pay out-of-pocket, the less your auto insurance will be.
  • Teen drivers pay high rates - Teen drivers in Utah are known to be more careless when behind the wheel so auto insurance rates are higher. Older insureds are viewed as being more responsible, file fewer claims and receive fewer citations.
  • Traffic violations increase rates - Your driving citation history has a big impact on rates. Just one speeding ticket can boost insurance rates twenty percent or more. Careful drivers have lower premiums compared to drivers with tickets. Drivers who have flagrant citations such as reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state DMV in order to keep their license.
  • Policy add-ons can waste money - There are a ton of extra coverages that you can buy on your auto insurance policy. Things like roadside assistance, towing coverage and term life insurance are some examples. They may seem good when you first buy your policy, but if they're wasting money remove them from your policy.
  • Credit scores impact auto insurance rates - Credit history is a important factor in calculating your auto insurance rates. So if your credit history is not that good, you could save money insuring your by improving your rating. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with lower credit scores.

Utah auto insurance quotes

Compare Quotes for Moab Auto Insurance

Reducing your insurance rates can be quick and easy. Just spend a few minutes on the computer comparing price quotes provided by online insurance companies. This can be accomplished in a couple of different ways.

  1. The fastest way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This type of form keeps you from doing repetitive form submissions to each individual auto insurance company. Filling out one form will get you rate comparisons from multiple companies. Just one form and you're done.
  2. A less efficient way to compare rate quotes requires you to visit the website for each individual company and fill out their own quote form. For examples sake, we'll pretend you want to compare rates from , and . To find out each rate you need to take the time to go to each site and enter your policy data, which is why the first method is more popular.

    To view a list of companies in Moab, click here.
  3. The most time-consuming method to get comparison rates is to waste gas driving to local Moab insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you require the professional guidance only provided by licensed Moab agents. It is possible to find lower rates online and still use a local agent.

However you get your quotes, ensure you are comparing apples-to-apples coverage information for each comparison quote. If the quotes have unequal deductibles or liability limits it's impossible to determine the lowest rate in Moab.

Take advantage of discounts

Companies offering auto insurance don't list all their discounts very well, so here is a list both well-publicized as well as the least known discounts you could be receiving. If you don't get every credit possible, you are paying more than you should be.

  • Life Insurance Discount - Larger companies have a break if you buy auto and life insurance together.
  • Multiple Vehicles - Insuring multiple vehicles with the same company may reduce the rate for each vehicle.
  • Discount for New Cars - Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Passive Restraint Discount - Factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Driver Safety - Taking part in a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • College Student - Youth drivers who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Theft Prevention System - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.

Consumers should know that some of the credits will not apply to all coverage premiums. Most only reduce individual premiums such as collision or personal injury protection. So when it seems like all those discounts means the company will pay you, companies don't profit that way.

To choose companies who offer auto insurance discounts in Utah, click here.

Are auto insurance companies telling the truth?

Utah consumers can't ignore all the ads that promise big savings by GEICO, State Farm and Progressive. They all seem to have a common claim of big savings after switching to their company.

But how can every company make almost identical claims?

All the different companies are able to cherry pick for the driver that makes them money. An example of a desirable insured could possibly be between the ages of 30 and 50, has no driving citations, and has excellent credit. A driver that hits that "sweet spot" will get the preferred rates and most likely will save a lot of money.

Consumers who don't qualify for this ideal profile will have to pay higher prices and this can result in the driver buying from a lower-cost company. The ads state "customers that switch" not "people who quote" save that much. That's the way insurance companies can confidently make those claims. Because of the profiling, you need to get as many quotes as possible. It is impossible to predict which auto insurance company will have the lowest rates.

More tips and info about auto insurance is available at the Utah Insurance Department website. Utah consumers can file complaints about an insurance agent or broker, report car insurance fraud, and read enforcement actions against agents and companies.

Other informative sites include Auto Insurance 101 and this page where you can research Moab insurance agents.

Best coverage at the best price

While you're price shopping online, don't be tempted to reduce coverage to reduce premium. In many instances, someone sacrificed liability limits or collision coverage only to find out they didn't purchase enough coverage. The ultimate goal is to get the best coverage possible at a price you can afford.

Cost effective auto insurance can be bought online and also from your neighborhood Moab agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies may not provide online price quotes and most of the time these smaller companies sell through independent agents.

In this article, we presented a lot of techniques to compare auto insurance prices online. The most important thing to understand is the more rate quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest rates come from some of the lesser-known companies.