Tightwads Guide for Saving on Delta Car Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us when we tell you there are many Delta consumers feeling the pinch from expensive car insurance.

Big companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with fancy advertisements and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

It's important to check car insurance prices at least once a year because rates are constantly changing. Even if you got the best deal six months ago you can probably find a better price now. So block out anything you think you know about car insurance because you're going to learn the only way to save money, get proper coverage and the best rates.

If you are paying for car insurance now, you will most likely be able to save some money using this information. Finding affordable coverage in Delta is quite easy. Nevertheless, Utah car owners do need to know how big insurance companies price insurance differently and take advantage of how the system works.

What determines how much you pay?

Consumers need to have an understanding of the different types of things that help determine your car insurance rates. Having a good understanding of what determines base rates allows you to make educated decisions that may reward you with big savings.

Pay less after the wedding - Being married can get you a discount on your policy. It is viewed as being more mature and responsible and it's statistically proven that being married results in fewer claims.
Don't get talked into coverage you don't need - There are a ton of extra coverages that you can buy on your policy. Insurance for vanishing deductibles, towing coverage and motor club memberships may be costing you every month. They may seem good at first, but if you don't need them eliminate the coverages to reduce your premium.
The more you drive the more you pay - Driving more miles in a year the more you will pay for car insurance. Most companies rate vehicles determined by how the vehicle is used. Cars and trucks not used for work or commuting can get a lower rate compared to those used for work or business. Ask your agent if your car insurance coverage is rated on the proper vehicle usage, because it can save money.
Choose a safe vehicle and save - Vehicles with good safety scores can get you lower premiums. These vehicles result in less severe injuries and fewer injuries means lower claim amounts and more competitive rates for policyholders.
Performance influences rates - The performance level of the vehicle you own makes a big difference in determining your rates. Small economy passenger models receive the most favorable rates, but there are many factors that impact the final cost.
Better credit means lower rates - Credit history is a large factor in calculating your car insurance rates. If your credit rating is not that good, you could save money insuring your by improving your credit score. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with lower credit scores.
Optional equipment can affect rates - Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention features like GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.

Policy discounts you shouldn't miss

Companies offering auto insurance do not list all their discounts in a way that's easy to find, so here is a list some of the more common and the more hidden savings tricks you should be using.

Sign Online - A handful of insurance companies will give a small break simply for signing digitally online.
Driver Safety - Taking part in a driver safety course could possibly earn you a 5% discount if your company offers it.
New Car Discount - Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
Military Rewards - Being on active duty in the military may qualify for rate reductions.
Early Switch Discount - A few companies offer discounts for switching to them prior to your current policy expiration. It's a savings of about 10%.
Air Bag Discount - Factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course if it's offered in school.

It's important to understand that most discounts do not apply the the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, it doesn't quite work that way.

To choose companies who offer car insurance discounts in Delta, click here to view.

Save $429 a year? Really?

Car insurance companies such as State Farm, GEICO and Progressive continually stream television and radio advertisements. They all seem to make an identical promise of big savings after switching to them. How can each company make the same claim?

All the different companies are able to cherry pick for the type of driver that makes them money. An example of a desirable insured could be between 30 and 50, has no tickets, and has a high credit rating. A customer who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who don't qualify for the requirements will have to pay higher prices and ends up with business going elsewhere. The ad wording is "people who switch" but not "drivers who get quotes" save money. That's the way insurance companies can confidently state the savings. Because of the profiling, you should get as many quotes as possible. Because you never know which car insurance company will have the lowest rates.

Find out more about car insurance

More tips and info about car insurance is available at the Utah Insurance Department website. Consumers can get help finding coverage, discover disciplinary actions, file complaints about an insurance agent or broker, and find disaster information.

Affordable insurance is out there

Low-cost car insurance can be purchased from both online companies and with local Delta insurance agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.

As you restructure your insurance plan, it's not a good idea to buy poor coverage just to save money. In many cases, an insured dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your aim should be to get the best coverage possible at an affordable rate.

We just showed you many tips how you can save on car insurance. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the best prices are with an unexpected company. Some small companies can often provide lower rates in certain areas compared to the large companies like .