Tightwads Guide for Saving on Layton Car Insurance

Scraping up a payment for overpriced car insurance can empty your bank account and put the squeeze on your family's finances. Doing a price comparison is a great way to slash your bill and have more diposable income.

Companies like State Farm, Allstate, GEICO and Progressive continually bombard you with ad campaigns and it can be hard to sift through the bull and do the work needed to find the best deal.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using this information. Finding affordable coverage in Layton is easy if you know what you're doing. But Utah consumers do need to know how companies sell online and use this information to your advantage.

Policy discounts you shouldn't miss

Car insurance companies don't always publicize every discount in a way that's easy to find, so we break down both the well known and the harder-to-find discounts you could be receiving.

  • No Accidents - Drivers who don't have accidents can save substantially when compared to frequent claim filers.
  • Paperwork-free - A few companies may give you up to $50 for buying a policy and signing up digitally online.
  • Club Memberships - Being a member of a civic or occupational organization may earn a discount when shopping for car insurance.
  • Pay Now and Pay Less - By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • Distant Student - Youth drivers who attend school more than 100 miles from home and don't have a car can receive lower rates.
  • Senior Citizens - Older drivers may receive better car insurance rates.
  • Low Mileage Discounts - Low mileage vehicles can earn a substantially lower rate.
  • Safety Course Discount - Successfully completing a defensive driving course could cut 5% off your bill depending on where you live.
  • Multiple Policy Discount - When you have multiple policies with one company you could get a discount of at least 10% off all policies.
  • Seat Belt Usage - Requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.

Drivers should understand that some of the credits will not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like all the discounts add up to a free policy, companies wouldn't make money that way.

For a list of insurance companies with discount car insurance rates in Layton, click here.

Layton Car Insurance Prices Online

The are a couple different ways of comparing rates from local Layton car insurance companies. The recommended way to find the cheapest insurance rates is simply to get online rate quotes. This can be accomplished in a couple of different ways.

One of the best ways to get quotes for comparison is a comparison rater form (click to open form in new window). This type of form eliminates the need for boring form submissions for each company you want a rate for. One form submission gets you price quotes from all major companies.

A slightly less efficient method to shop for car insurance online requires a trip to the website of each company to complete their respective quote request forms. For instance, let's say you want comparison quotes from , and . To get each rate you have to go to every website to input your insurance information, and that's why the first method is more popular.

For a list of links to companies insuring cars in Layton, click here.

The most time-consuming way of getting rate comparisons is driving around to insurance agents' offices. Buying insurance online makes this process obsolete unless you have a need for the personal advice that only a license agent can provide. It is possible to compare online quotes but buy from a local insurance agent and you'll learn how to do that later.

However you get your quotes, ensure you are comparing exactly the same quote information on every quote you get. If you use mixed coverages you will not be able to determine which rate is truly the best in Layton. Slightly different insurance coverages may cause a big price difference. Just remember that obtaining a wide range of quotes will increase your chances of finding a better price.

Do the work, save more money

Budget-conscious car insurance can be sourced both online and also from your neighborhood Layton agents, so you should compare both to have the best rate selection. Some insurance companies may not provide online quoting and these regional insurance providers work with independent agents.

As you restructure your insurance plan, it's not a good idea to sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced uninsured motorist or liability limits only to regret that they should have had better coverage. Your strategy should be to buy enough coverage for the lowest price while still protecting your assets.