Tightwads Guide to Saving on Logan Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, there are many Logan consumers feeling the pinch from expensive auto insurance. With consumers having so many insurance companies to choose from, it's nearly impossible to choose the lowest price insurance company.

It's important to shop coverage around at least once a year because prices are constantly changing. If you had the lowest price last year you may be paying too much now. Block out anything you think you know about auto insurance because you're about to learn one of the easiest ways to find better coverage at a better price.

Finding affordable coverage in Logan is quite easy. If you currently have a car insurance policy, you will be able to cut costs considerably using this information. Utah drivers only need an understanding of the most effective way to compare prices online.

Comprehensive Logan Auto Insurance Comparison Quotes

There are several ways to compare auto insurance prices but one way is easier and takes less work. You could spend your day discussing policy coverages with insurance agencies in Logan, or you can utilize the web for quick rates.

All the larger companies are enrolled in a marketplace that allows shoppers to submit one quote, and each company then gives them pricing determined by their information. This prevents consumers from doing quotation requests for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

One minor caviat to comparing rates this way is you are unable to specify which companies to receive prices from. So if you want to select from a list of companies to compare rates, we have a listing of low cost auto insurance companies in Utah. View list of Utah insurance companies.

Whichever method you choose, compare apples-to-apples deductibles and coverage limits on every quote you get. If your comparisons have different values for each quote it will be impossible to determine which rate is truly the best in Logan.

Tips to Get Lower Logan Rates

It's important that you understand the factors that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

The list below includes a partial list of the pieces used by your company to calculate rates.

Sex matters - Statistics demonstrate women tend to be less risk to insure than men. However, don't assume that women are BETTER drivers than men. Both sexes have accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also get more serious tickets like DUI and reckless driving.
Safer occupants lowers premiums - Vehicles with high crash test scores get lower rates. These vehicles protect occupants better and any reduction in injury severity means lower claim amounts passed on to you as lower rates.
Cautious drivers pay less - Your driving citation history has a big impact on rates. Drivers who don't get tickets receive lower rates than people who have multiple driving citations. Even a single citation can bump up the cost forty percent or more. Drivers who have severe citations like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
Don't buy coverages you don't need - There are a lot of extra coverages that you can buy when buying auto insurance. Things like vanishing deductibles, towing coverage and additional equipment coverage are some examples. They may seem good at first, but now you might not need them so remove them from your policy.
Protect yourself with liability coverage - The liability section of your policy provides coverage if ever you are found liable for personal injury or accident damage. It provides legal defense which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
Adjust deductibles and save - Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims would be colliding with a building, damage from fire, or theft. The deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more you have to pay, the less your auto insurance will be.
Rates may be lower depending on your job - Jobs such as judges, social workers and stock brokers have the highest rates attributed to job stress and long work days. On the other hand, occupations like actors, students and the unemployed get better rates.

How much can you save with discounts?

Companies offering auto insurance don't necessarily list all their discounts very well, so we researched both the well known and the more hidden discounts you could be receiving. If you don't get every credit possible, you're just leaving money on the table.

Senior Citizens - Older drivers can possibly qualify for a small decrease in premiums.
Drive Less and Save - Keeping the miles down could be rewarded with a substantially lower rate.
Lower Rates for Military - Being deployed with a military unit can result in better rates.
Discount for Good Grades - Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
Sign Online - A few companies may give you up to $50 simply for signing online.
Defensive Driving Course - Successfully completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
Air Bag Discount - Factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.

It's important to understand that some credits don't apply the the whole policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it doesn't quite work that way.

For a list of companies with the best auto insurance discounts in Utah, click here.

More tips and info about auto insurance is located at the Utah Insurance Department website. Visitors are able to learn about insurance regulations, find disaster information, file complaints about a company, and discover disciplinary actions.

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

In the end, you save

When trying to cut insurance costs, don't be tempted to reduce needed coverages to save money. There are many occasions where an insured dropped liability coverage limits only to discover later that it was a big mistake. Your aim should be to buy enough coverage at an affordable rate.

Low-cost auto insurance is possible both online as well as from independent agents in Logan, and you need to price shop both to have the best rate selection. A few companies don't offer online quoting and most of the time these small, regional companies sell through independent agents.