Getting the Cheapest Clearfield Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us when we tell you there are many people just like you.

Big companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with fancy advertisements and it can be hard to sift through the bull and effectively compare rates to find the best deal.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Finding affordable coverage in Clearfield is not that difficult. Although Utah consumers do need to know the way companies price insurance differently and apply this information to your search.

How much can you save with discounts?

Insurance can be prohibitively expensive, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be applied when you purchase, but less common discounts must be asked about before being credited.

Fewer Miles Equal More Savings - Fewer annual miles can earn lower rates on the low mileage vehicles.
Driver Safety - Completing a defensive driving course could possibly earn you a 5% discount if you qualify.
Save with a New Car - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
Paperless Signup - Certain companies may give you up to $50 for buying your policy digitally online.
Clubs and Organizations - Being a member of a civic or occupational organization could qualify you for a break when buying auto insurance.
Student in College - Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.

A little note about advertised discounts, most credits do not apply the the whole policy. Most only cut individual premiums such as liability and collision coverage. Just because it seems like you can get free auto insurance, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

Tips to Get Lower Clearfield Rates

Smart consumers have a good feel for some of the elements that help determine the rates you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that could result in lower auto insurance prices.

The following are a few of the "ingredients" used by your company to calculate premiums.

Safe vehicles cost less to insure - Cars with high safety ratings are cheaper to insure. Safe vehicles protect occupants better and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders.
Little extras can really add up - There are a ton of extra coverages that you can get tricked into buying when buying auto insurance. Insurance for vanishing deductibles, accidental death and additional equipment coverage are examples of these. These may sound like a good investment when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.
Rate your vehicle for proper use - Driving more miles in a year the more you'll pay to insure your vehicle. Almost all companies charge to insure your cars based upon how you use the vehicle. Vehicles left parked in the garage qualify for better rates compared to those used for work or business. Make sure your auto insurance coverage is rated on the proper vehicle usage.
Optional equipment can affect rates - Choosing a vehicle with an alarm system can help bring down rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart your car from being stolen.
Marriage brings a discount - Having a spouse can get you a discount when buying auto insurance. Having a spouse translates into being more responsible and it's proven that being married results in fewer claims.
Don't skimp on liability - Liability coverage provides coverage if you are found liable for personal injury or accident damage. It provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
Older drivers pay less - Older insureds are more responsible, tend to file fewer claims and are safer drivers. Youthful drivers are known to be more careless when behind the wheel and because of this, their auto insurance rates are much higher.

Save 15 percent in 15 minutes? Is it for real?

21st Century, Allstate and State Farm continually stream television and radio advertisements. All the companies say the same thing about savings after switching your coverage to them. How can each company claim to save you money?

All companies are able to cherry pick for the type of customer that earns them a profit. For example, a profitable customer might be between the ages of 30 and 50, has no tickets, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who don't meet the requirements must pay higher prices which usually ends up with the customer not buying. The ad wording is "customers that switch" but not "drivers who get quotes" save that much money. That's the way companies can truthfully advertise the way they do.

This illustrates why drivers should get as many comparisons as possible. It's impossible to know which auto insurance company will provide you with the cheapest rates.

Additional information can be found on the website for the Utah Insurance Department located here. Visitors are able to find disaster information, discover disciplinary actions, file complaints about an insurance agent or broker, and view a list of available companies.

Do the work, save more money

The cheapest auto insurance can be purchased both online as well as from independent agents in Clearfield, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies don't offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it's not a good idea to skimp on coverage in order to save money. There are a lot of situations where an insured dropped physical damage coverage only to discover later that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.