Finding Cheap Park City Auto Insurance

I can't think of anyone who looks forward to buying auto insurance, in particular when the cost is too high.

There is such a variety of to buy insurance from, and even though it's nice to be able to choose, so many choices can make it hard to compare rates.

Finding affordable coverage in Park City is quite easy. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Nevertheless, Utah drivers do need to know how companies determine prices.

Understand what determines the rate you pay

Consumers need to have an understanding of some of the elements that come into play when calculating the price you pay for auto insurance. Knowing what determines base rates helps enable you to make changes that could result in big savings.

The list below includes some of the items that factor into premiums.

Lower deductibles cost more - Your deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. Insurance for physical damage to your car, also known as collision and other-than-collision, covers damage that occurs to your car. Some examples of claims that would be covered could be colliding with a building, vandalism, and burglary. The more expense the insured has to pay upfront, the lower your rates will be.
More than one policy can earn a discount - The majority of companies will award you with lower prices to customers who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, it's in your best interest to comparison shop to confirm you are receiving the best rates possible.
Lower rates with optional equipment - Owning a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.
Sex matters - Statistics show that women are safer drivers than men. However, don't assume that men are WORSE drivers than women. They both have accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations such as DWI and reckless driving.

Be sure to get all your discounts

Companies don't list all available discounts very clearly, so the following is a list of both well-publicized and the harder-to-find auto insurance savings.

More Vehicles More Savings - Buying insurance for multiple cars or trucks with the same company qualifies for this discount.
Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you could save 5% or more.
Save over 55 - If you're over the age of 55, you can possibly qualify for a discount up to 10%.
Military Discounts - Having a deployed family member can result in better rates.
No Claims - Good drivers with no accidents pay less when compared with accident-prone drivers.
Organization Discounts - Participating in a qualifying organization could qualify you for a break when buying auto insurance.

It's important to understand that most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, it doesn't quite work that way.

To choose insurers with the best auto insurance discounts in Utah, follow this link.

Is there truth in advertising?

Allstate, GEICO and Progressive regularly use television and radio advertisements. All the companies say the same thing of big savings if you move your policy. How does each company make almost identical claims? This is how they do it.

All the different companies have a certain "appetite" for the right customer that makes them money. A good example of a profitable customer could possibly be between 25 and 40, owns a home, and has great credit. A driver who fits that profile will get the preferred rates and is almost guaranteed to save when switching.

Potential insureds who don't measure up to these standards must pay more money which usually ends up with the driver buying from a lower-cost company. The ads state "drivers who switch" but not "drivers who get quotes" save that kind of money. That is how insurance companies can confidently advertise the savings. This illustrates why you should get a wide range of price quotes. It is impossible to predict which company will fit your personal profile best.

How do I know if I need professional advice?

When buying coverage for your vehicles, there isn't really a one size fits all plan. Everyone's situation is unique and a cookie cutter policy won't apply. For example, these questions might point out whether or not you would benefit from an agent's advice.

Am I covered when driving on a suspended license?
Am I covered when renting a car or should I buy coverage from the car rental agency?
What can I do if my company won't pay a claim?
Should I buy additional glass protection?
Am I covered when delivering products for my home-based business?
What companies insure drivers after a DUI or DWI?
Do I have any recourse if my insurance company denies a claim?

If you don't know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

For more Utah car insurance information

More tips and info about auto insurance can be read at the Utah Insurance Department website. Utah consumers can report car insurance fraud, read consumer alerts, view a list of available companies, and learn about insurance regulations.

Affordable insurance is out there

Low-cost auto insurance is possible online in addition to many Park City insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

When you buy insurance online, it's very important that you do not buy poor coverage just to save money. In too many instances, an insured cut full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.