Tightwads Guide for Saving on Ogden Auto Insurance

I can't think of anyone who looks forward to paying for auto insurance, in particular when they are paying too much.

Big-name insurance companies like GEICO and Progressive increase brand awareness with ad campaigns and it is difficult to sift through the bull and take the time to shop coverage around.

It's important to compare rates occasionally because prices are constantly changing. Just because you had the best deal on your last policy you will most likely find a better rate today. Starting right now, forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the only way to properly buy coverages and cut your premium.

If you are paying for car insurance now, you should be able to save some money using this strategy. Finding the best rates in Ogden is easy if you know what you're doing. But Utah drivers do need to know the way insurance companies sell insurance online and take advantage of how the system works.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, but there could be available discounts that you may not even be aware of. Larger premium reductions will be automatically applied at quote time, but lesser-known reductions have to be inquired about in order for you to get them.

Accident Forgiveness - A handful of insurance companies will allow you to have one accident before your rates go up as long as you don't have any claims for a particular time prior to the accident.
Braking Control Discount - Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
Passive Restraints and Air Bags - Factory air bags or motorized seat belts can qualify for discounts of more than 20%.
No Accidents - Good drivers with no accidents can earn big discounts as compared to drivers who are more careless.
Multi-car Discount - Buying coverage for more than one vehicle on one policy qualifies for this discount.
Discount for New Cars - Adding a new car to your policy is cheaper due to better safety requirements for new cars.
Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
Drive Less and Save - Driving fewer miles can qualify you for better rates on cars that stay parked.
Service Members Pay Less - Having a family member in the military could mean lower rates.

Consumers should know that most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, companies don't profit that way. But all discounts will reduce the cost of coverage.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Every insured's situation is different so this has to be addressed. For instance, these questions might point out whether you would benefit from professional advice.

Does my policy cover me when driving someone else's vehicle?
Does my insurance cover a custom paint job?
Should I drop comprehensive coverage on older vehicles?
Will I be non-renewed for getting a DUI or other conviction?
Am I covered when driving on a suspended license?
Who is covered when they drive my vehicle?
Is rental equipment covered for theft or damage?

If it's difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

How can State Farm, GEICO and Progressive save drivers who switch?

Auto insurance companies such as State Farm, GEICO and Progressive constantly bombard you with ads on television and other media. They all seem to make the same claim that you'll save big if you switch to their company. How can each company make almost identical claims? This is how they do it.

All the different companies have a certain "appetite" for the driver that earns them a profit. An example of a desirable insured could possibly be a mature driver, owns a home, and has great credit. A customer getting a price quote who matches those parameters is entitled to the best price and as a result will probably save when they switch companies.

Potential insureds who are not a match for the requirements will have to pay more money which leads to the driver buying from a lower-cost company. The ads state "drivers who switch" not "everybody who quotes" save that much. That is how companies can advertise the savings.

Because of the profiling, you should quote coverage with many companies. It's impossible to know which company will fit your personal profile best.

For more Utah car insurance information

Much more information about auto insurance in Utah is available on the website for the Utah Insurance Department. Click here for link. Utah consumers can learn about insurance regulations, find out industry alerts, read industry bulletins, and file complaints about an insurance agent or broker.

Affordable insurance is out there

Discount auto insurance is available online and also from your neighborhood Ogden agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

When you buy insurance online, it's a bad idea to buy lower coverage limits just to save a few bucks. In many cases, an insured cut comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage for the lowest price.

You just read some good ideas how to reduce auto insurance prices online. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. Drivers may discover the best price on auto insurance is with a lesser-known regional company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as .