Lower Online Pleasant Grove Car Insurance Prices With These Methods

Consumers not familiar with shopping for insurance online will discover finding the lowest-priced Pleasant Grove car insurance nearly impossible.

It's important to shop coverage around occasionally because rates are constantly changing. Even if you think you had the lowest rates two years ago you can probably find a lower rate today. So forget anything you know (or think you know) about car insurance because you're going to learn the tricks you need to know to find better rates and still maintain coverage.

Utah car insurance quotes

Finding Car Insurance Deals in Pleasant Grove, UT

Most companies like GEICO, State Farm and Progressive provide coverage price quotes online. The process is fairly simple as you just type in your coverage preferences as detailed in the form. When the form is submitted, their rating system will obtain information on your driving record and credit history and generates a price based on many factors.

This streamlines rate comparisons, but the time required to go to several different sites and complete many quote forms is not the best way to spend an afternoon. But it's very important to get many rate quotes if you want to find better car insurance pricing.

A quicker way to get multiple rate quotes utilizes a single form that obtains quotes from several companies at one time. The form is fast, requires much less work on your part, and makes online shopping much simpler. As soon as the form is sent, it gets priced with multiple companies and you can pick any one of the quotes returned. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The whole process takes less than 15 minutes and you will find out if you're overpaying now.

If you want to find out what other companies charge, click here to open in new window and input your coverage information. To compare your current rates, we recommend you replicate as close as possible to your current policy. This ensures you will be getting rate comparison quotes for similar insurance coverage.

These discounts can lower your rates

Auto insurance companies don't always advertise all their discounts very clearly, so we break down some of the more common and the harder-to-find savings tricks you should be using.

  • Bundle and Save - When you combine your home and auto insurance with one insurance company you may earn up to 20% off your total premium.
  • Anti-theft Discount - Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Safety Course Discount - Completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Passive Restraints and Air Bags - Factory air bags or motorized seat belts may earn rate discounts of 20% or more.
  • College Student - Kids in college who attend school more than 100 miles from home and don't have a car can be insured at a reduced rate.
  • Federal Employees - Being employed by or retired from a federal job can save as much as 8% with select insurance companies.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think you can get free auto insurance, you won't be that lucky.

To see a list of companies with discount car insurance rates in Utah, click here to view.

Different people need different coverages

When choosing adequate coverage for your vehicles, there isn't really a best way to insure your cars. Every insured's situation is different.

For instance, these questions might point out whether you would benefit from an agent's advice.

  • What is the difference between comprehensive and collision coverage?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I rate my vehicle as pleasure use or commute?
  • What are the best liability limits?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my dog or cat covered if injured in an accident?
  • Do I pay less if my vehicle is kept in my garage?

If you're not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form.

Even more information can be found at the Utah Insurance Department website. Consumers can view agent and company licensing information, read consumer alerts, and discover disciplinary actions.

Additional helpful sites include Wikipedia and this Pleasant Grove agent directory.