Car Insurance in Ephraim Utah - 7 Discounts You Might be Unaware of
Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us, you are not the only one feeling buyer's remorse.
Consumers have many to pick from, and even though it's nice to be able to choose, it can be more difficult to compare rates.
Be sure to get all your discounts
Companies offering auto insurance don't always list every discount very clearly, so we researched both the well known as well as the least known ways to save on car insurance.
- No Accidents - Drivers with accident-free driving histories pay much less when compared to accident-prone drivers.
- Defensive Driver - Successfully completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
- Braking Control Discount - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
- Auto/Life Discount - Companies who offer life insurance give a discount if you purchase life insurance.
- Multi-car Discount - Buying insurance for more than one vehicle with the same company may reduce the rate for each vehicle.
- Senior Citizens - If you're over the age of 55, you may qualify for better car insurance rates.
- Organization Discounts - Being a member of a qualifying organization could trigger savings when shopping for car insurance.
A little note about advertised discounts, most discount credits are not given the the whole policy. A few only apply to individual premiums such as comp or med pay. So when it seems like all the discounts add up to a free policy, you won't be that lucky.
To choose insurance companies offering car insurance discounts in Utah, click this link.
Is there truth in advertising?
Car insurance providers like Progressive, Allstate and GEICO constantly bombard you with television and radio advertisements. They all make the same claim about savings if you switch to their company. How does each company claim to save you money?
Insurance companies are able to cherry pick for the driver that makes them money. For instance, a driver they prefer might be between the ages of 30 and 50, has no tickets, and has great credit. Any new insured who matches those parameters receives the best rates and is almost guaranteed to save when switching.
Drivers who don't measure up to these standards will be quoted higher premiums which leads to the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That's the way companies can truthfully advertise the savings. This emphasizes why you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will fit your personal profile best.
Find out more about car insurance
Even more information is located at the Utah Insurance Department website. Visitors are able to read industry bulletins, discover disciplinary actions, find out industry alerts, and view agent and company licensing information.
Other informative sites include this online resource for car insurance quotes in Utah and this list of insurance agents in Ephraim.
The best insurance company isn't always the cheapest
Cheaper car insurance can be found both online and also from your neighborhood Ephraim agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide online price quotes and these small, regional companies work with independent agents.
When you buy insurance online, make sure you don't buy poor coverage just to save money. There are too many instances where an insured dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.
