Tightwads Guide for Saving on Holladay Car Insurance

Expensive car insurance can overdraw your personal savings and make it impossible to make ends meet. Comparison shopping is free and is an excellent way to make sure you're not throwing money away.

Online insurance companies like State Farm, Allstate, GEICO and Progressive continually bombard you with advertising and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to check car insurance prices yearly due to the fact that insurance rates are constantly changing. Even if you got the best deal a few years ago you can probably find a lower rate today. So ignore everything you know about car insurance because I'm going to teach you the proper way to save money, get proper coverage and the best rates.

How to Get Cheap Car Insurance in Holladay, UT

Most companies provide prices for coverage on the web. Obtaining pricing is fairly straightforward as you just type in your required coverages into the quote form. When the form is submitted, the system will obtain credit information and your driving record and provides a quote based on these and other factors. Online quotes makes comparing rates easy, but the work required to visit many different websites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to have as many quotes as possible if you want to find a lower rate.

A quicker way to compare car insurance pricing makes use of a single form that obtains quotes from a lot of companies. It's a real time-saver, eliminates form submissions, and makes quoting online much easier. After sending the form, it gets priced and you can select your choice of the quotes returned.

If the quotes result in lower rates, you can simply submit the application and buy the policy. The whole process only takes a few minutes and you'll know if lower rates are available.

In order to find out how much you're overpaying now, click here and submit your coverage information. If you have a policy now, it's recommended you copy the coverage information identical to your current policy. This ensures you will receive rate quotes for similar insurance coverage.

More discounts equal less premium

The price of auto insurance can be rather high, but there are discounts available to reduce the price significantly. Certain discounts will be applied when you quote, but some must be manually applied before you get the savings.

Auto/Life Discount - Companies who offer life insurance give better rates if you take out auto and life insurance together.
Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
Air Bag Discount - Factory air bags or automatic seat belts can qualify for discounts of 20% or more.
Driver Safety - Taking part in a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
Multiple Vehicles - Having multiple vehicles on the same car insurance policy could earn a price break for each car.
Military Rewards - Having a family member in the military may qualify for rate reductions.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, car insurance companies aren't that generous. Any amount of discount will reduce your premiums.

To see a list of companies who offer car insurance discounts in Holladay, click this link.

It's not one size fits all

When choosing proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone's needs are different so this has to be addressed. Here are some questions about coverages that can help discover if you might need an agent's assistance.

When does my teenage driver need to be added to my policy?
Who is covered when they drive my vehicle?
Should I file a claim if it's only slightly more than my deductible?
Should I drop comprehensive coverage on older vehicles?
Is rental equipment covered for theft or damage?
Should I rate my vehicle as pleasure use or commute?
What happens if I owe more than my vehicle is worth?

If it's difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Learn more about car insurance in Utah

Additional information is available on the website for the Utah Insurance Department through this link. Visitors are able to view agent and company licensing information, file complaints about an insurance agent or broker, read enforcement actions against agents and companies, and find out industry alerts.