Car Insurance in Heber City - 9 Discounts You Might be Missing

Expensive car insurance can dwindle your bank account and make it hard to pay other bills. Shopping your coverage around is a smart way to help make ends meet.

Drivers have multiple to pick from, and even though it's nice to have a choice, it can be more challenging to compare rates.

It's important to compare prices yearly since rates are constantly changing. Even if you got the best rates six months ago you may be paying too much now. Don't believe everything you read about car insurance on the web, but I'm going to show you some great ways to slash your car insurance rates.

Where Can I Get Cheap Heber City Car Insurance?

Comparing car insurance rates can take hours if you don't know the most efficient way. You could spend your day talking about coverages with local insurance agents in Heber City, or you could save time and use the internet to get prices fast.

All the larger companies enroll in a system that enables customers to enter their policy data once, and every company then gives them pricing based on the submitted data. This eliminates the need for quote requests to each individual car insurance company. To submit your quote information now, click here (opens in new window).

The one disadvantage to using this type of form is that consumers can't choose which companies to receive prices from. If you wish to select specific insurance companies to request quotes from, we have assembled a list of car insurance companies in Utah. Click here for list of insurance companies in Utah.

Which method you use is up to you, but make sure you use identical coverage limits and deductibles with each company. If each company quotes different liability limits it's not possible to make an equal comparison in Heber City. Just a small difference in limits may cause a big price difference. And when comparing car insurance rates, know that obtaining a wide range of quotes helps you find the best rates.

Don't pay full price with these nine discounts

Car insurance companies don't always list all their discounts very clearly, so the following is a list of both the well known as well as the least known car insurance savings.

College Student - Children living away from home attending college and do not have a car may be able to be covered for less.
Bundle and Save - When you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
Discount for Life Insurance - Some companies give a discount if you purchase auto and life insurance together.
Sign Online - A handful of insurance companies may give you up to $50 just for signing your application over the internet.
Service Members Pay Less - Having a deployed family member could mean lower rates.
Good Student Discount - Getting good grades can be rewarded with saving of up to 25%. The good student discount can last until age 25.
Senior Citizens - Older drivers may qualify for better car insurance rates.
Payment Discounts - If you pay your bill all at once rather than paying monthly you may reduce your total bill.

It's important to note that most credits do not apply to your bottom line cost. Some only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, you're out of luck.

For a list of companies offering car insurance discounts in Utah, follow this link.

Your personal situation dictates your coverage

When it comes to choosing coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. Here are some questions about coverages that can help discover whether or not you might need professional guidance.

Do I pay less if my vehicle is kept in my garage?
What is the difference between comprehensive and collision coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
When does my teenage driver need to be added to my policy?
What are the financial responsibility laws in Utah?
Does my liability insurance cover pulling a trailer or camper?
Am I getting all the discounts available?

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Additional detailed information can be read at the Utah Insurance Department website. Visitors are able to read enforcement actions against agents and companies, view agent and company licensing information, find out industry alerts, and file complaints about an insurance agent or broker.

Other useful links include this Car Insurance FAQ and this page of insurance agents in Heber City.

The best insurance company isn't always the cheapest

As you restructure your insurance plan, make sure you don't reduce needed coverages to save money. There are many occasions where consumers will sacrifice collision coverage and discovered at claim time that they should have had better coverage. Your aim should be to get the best coverage possible at a price you can afford.

Lower-priced car insurance can be found both online and also from your neighborhood Heber City agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies may not provide online quoting and most of the time these small insurance companies sell through independent agents.