Lower Online Aurora Auto Insurance Prices With These Methods

If you are a novice to online auto insurance shopping, you may be confused by the vast number of auto insurance companies offering insurance in Aurora.

It's important to do rate comparisons occasionally because insurance rates are constantly changing. Despite the fact that you may have had the best price a year ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you're about to learn one of the best ways to eliminate unnecessary coverages and save money.

Finding affordable coverage in Aurora is quite easy. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this information. Utah drivers only need an understanding of how to compare company rates over the internet.

Automobile Insurance Quotes in Aurora, UT

There are several ways to shop for auto insurance, but one way is easier and takes less work. You could spend your day talking to agents in Aurora, or you could use the internet to get the quickest rates.

All the larger companies take part in a program that allows shoppers to enter their coverage request one time, and each company can provide price quotes determined by their information. This saves time by eliminating quote forms to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to pricing coverage this way is that you can't choose which companies you will receive quotes from. If you would rather choose specific insurance companies for rate comparison, we have a listing of companies who write auto insurance in Utah. Click to view list.

It's up to you which method you use, but make absolute certain that you use apples-to-apples coverage information with every price quote. If your comparisons have unequal deductibles or liability limits then you won't be able to find the best deal in Aurora.

Why some people pay less for insurance in Aurora

It's important that you understand the different types of things that help determine the price you pay for auto insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that can help you get big savings.

The following are a few of the "ingredients" companies use to determine your rates.

Traffic violations increase rates - Even a single moving violation can increase rates by twenty percent. Good drivers get better rates compared to drivers with tickets. Drivers who get flagrant violations like DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
How many coverages with the same company - Many insurers give discounts to customers who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it's still a good idea to shop around to make sure you are getting the best deal.
Older drivers save more - Teen drivers in Utah are known to be less responsible behind the wheel so auto insurance rates are higher. Parents adding a youthful driver to your policy can be quite pricey. Older drivers tend to be more responsible, file fewer claims and are safer drivers.
Do you need the policy add-ons? - There are a ton of additional coverages you can purchase on your auto insurance policy. Things like vanishing deductibles, better glass coverage and motor club memberships may be costing you every month. They may seem good initially, but if you don't need them remove them from your policy.

Be sure to get all your discounts

Companies offering auto insurance don't always publicize every available discount very well, so we took the time to find both well-publicized and also the lesser-known savings tricks you should be using. If you don't get every credit you qualify for, you're just leaving money on the table.

Early Switch Discount - Some companies give discounts for switching policies before your current policy expires. It's a savings of about 10%.
Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
Resident Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
Driver Safety - Taking part in a course in driver safety can save you 5% or more depending on where you live.
Discount for New Cars - Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
Good Student - Getting good grades can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.

It's important to understand that most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn't quite work that way.

For a list of providers who offer auto insurance discounts in Utah, click here to view.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Every situation is different.

For example, these questions might point out whether or not you could use an agent's help.

Does my car insurance cover rental cars?
Do I need PIP (personal injury protection) coverage in Utah?
What are Utah no-fault laws?
Does my personal auto insurance policy cover using my vehicle for business use?
Do I really need UM/UIM coverage?
Why does it cost so much to insure a teen driver in Aurora?
Why am I required to buy high-risk coverage?

If you're not sure about those questions then you might want to talk to an agent. To find an agent in your area, simply complete this short form. It's fast, free and you can get the answers you need.

More tips and info about auto insurance can be found at the Utah Insurance Department website. Utah consumers can file complaints about a company, read consumer alerts, and read enforcement actions against agents and companies.

Other useful links include III.org's auto insurance page and this directory of insurance agents in Aurora Utah.

A tidy conclusion

In this article, we presented some good ideas how you can lower your auto insurance rates. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. You may even discover the lowest premiums are with some of the smallest insurance companies.

While you're price shopping online, do not reduce needed coverages to save money. There have been many cases where an insured cut physical damage coverage only to discover later they didn't purchase enough coverage. Your goal should be to buy enough coverage at the best price, not the least amount of coverage.

Low-cost auto insurance can be bought online and with local Aurora insurance agents, and you need to comparison shop both to have the best rate selection. Some companies do not offer online quoting and many times these regional insurance providers only sell through independent insurance agents.