Lower Online Richfield Auto Insurance Prices With These Tricks

Finding the lowest price for Richfield auto insurance can be a challenge if you have never used online price comparisons. But don't let that discourage you because finding affordable coverage online is easier than you think.

It's important to price shop coverage occasionally since insurance rates are constantly changing. If you had the best deal last year you can probably find a better price now. So just forget anything you know (or think you know) about auto insurance because it's time to teach you the only way to lower your annual insurance bill.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of the different types of things that come into play when calculating auto insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that can help you get big savings.

The list below includes some of the factors that factor into your rates.

Better credit scores mean better rates - Your credit rating is a huge factor in determining your rates. Consumers who have high credit ratings tend to be less risk to insure as compared to drivers with poor credit. If your credit can use some improvement, you could save money insuring your by improving your rating.
Multiple policies with one company can save - The majority of insurers give discounts to people who have multiple policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount it's in your best interest to comparison shop to confirm you are receiving the best rates possible.
Better crash test results mean better rates - Vehicles with good safety scores can get you lower premiums. Safer cars have better occupant injury protection and better occupant protection means less money paid by your insurance company passed on to you as lower rates.
High numbers of claims are not good - Insurance companies in Utah award discounts to insureds who do not rely on their insurance for small claims. If you file claims often, you can look forward to higher rates. Insurance coverage is intended to be relied upon for larger claims.

Policy discounts you shouldn't miss

Companies don't always list every available discount very well, so here is a list some of the best known and the harder-to-find savings tricks you should be using.

Anti-lock Brake System - Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Military Discounts - Being on active duty in the military can result in better rates.
Passive Restraints and Air Bags - Vehicles with factory air bags or motorized seat belts can receive discounts of 20% or more.
Driver's Ed - Cut your cost by having your teen driver take driver's ed class in high school.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, you won't be that lucky.

To choose providers with the best auto insurance discounts in Utah, click here to view.

Save $429 a year? Really?

Companies like Allstate and Progressive regularly use television and radio advertisements. All the ads make an identical promise about savings if you move your policy. But how can every company say the same thing? This is how they do it.

All the different companies have a certain "appetite" for the right customer that makes them money. An example of a preferred risk might be profiled as between the ages of 30 and 50, owns a home, and drives newer vehicles. A propective insured who meets those qualifications gets the lowest rates and is almost guaranteed to save a lot of money.

Drivers who don't qualify for this ideal profile will be charged higher premiums and ends up with business not being written. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that kind of money. That is how companies can truthfully claim big savings. That is why you should get a wide range of price quotes. It's not possible to predict which company will give you the biggest savings.

Insurance agents can help

When buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Everyone's situation is unique.

For example, these questions might point out whether your personal situation might need an agent's assistance.

Can I get a multi-policy discount for packaging my home and auto coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Do I have coverage when using my vehicle for my home business?
Should I drop comprehensive coverage on older vehicles?
Is my cargo covered for damage or theft?
What can I do if my company won't pay a claim?
Is my dog or cat covered if injured in an accident?

If you're not sure about those questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form.

For more Utah car insurance information

Even more information is available at the Utah Insurance Department website. Utah drivers can find out industry alerts, read consumer alerts, and find disaster information.

Other informative sites include BankRate.com's Car Insurance: When not to Skimp and this directory of Richfield insurance agents.

Affordable insurance is out there

When trying to cut insurance costs, don't be tempted to buy poor coverage just to save money. Too many times, an insured cut comprehensive coverage or liability limits to discover at claim time that it was a big mistake. The aim is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

People who switch companies do it for any number of reasons including policy cancellation, policy non-renewal, unfair underwriting practices or even poor customer service. No matter why you want to switch, switching auto insurance companies is easier than you think.

Cheaper auto insurance is possible on the web in addition to many Richfield insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.