10 Ways to Save on Car Insurance in Provo

No one cherishes buying car insurance, especially when their premiums are through the roof. You have multiple to buy insurance from, and although it's nice to have a choice, having more makes it harder to compare rates.

It's important to do rate comparisons periodically since rates are constantly changing. Despite the fact that you may have had the lowest rates six months ago there may be better deals available now. Starting right now, forget anything you know (or think you know) about car insurance because we're going to show you the tricks you need to know to remove unneeded coverages and save money.

Provo car insurance quote

Are you getting all your discounts?

Car insurance companies don't necessarily list every available discount very clearly, so we break down some of the more common and the more hidden discounts you could be receiving. If you're not getting every credit you qualify for, you're just leaving money on the table.

  • Anti-lock Brakes - Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Good Student - Getting good grades can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Resident Student - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Accident Forgiveness - Certain companies permit an accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Multi-policy Discount - When you have multiple policies with one insurance company you may earn approximately 10% to 15%.
  • Theft Prevention System - Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Multiple Vehicles - Buying coverage for multiple vehicles on one policy could earn a price break for each car.
  • Air Bag Discount - Vehicles with factory air bags or motorized seat belts may earn rate discounts up to 30%.
  • New Car Discount - Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Federal Employees - Simply working for the federal government may qualify you for a discount with certain companies.

It's important to note that some credits don't apply to the entire policy premium. Most only cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, you're out of luck.

For a list of providers who offer car insurance discounts in Utah, click here.

How to Get Provo Car Insurance Comparison Quotes

Most major insurance companies like Allstate and Progressive allow you to get pricing on the web. Getting quotes is pretty easy as you simply enter your personal and coverage information as detailed in the form. Once entered, their rating system will obtain your credit score and driving record and generates pricing information based on many factors. Quoting online makes comparing rates easy, but the time it takes to visit many different websites and fill out multiple forms gets old quite quickly. But it's very important to compare as many rates as possible in order to find the best price on car insurance.

There is a better way!

A more efficient way to compare rates is to use a quote form to return rates from multiple companies. The form is fast, reduces the work, and makes online price comparison much more enjoyable and efficient. Once the form is submitted, it is rated and you can select any one of the quotes that you receive. If the quotes result in lower rates, you simply finish the application and purchase coverage. The entire process takes less than 15 minutes and could lower your rates considerably.

To find out if lower rates are available, click here to open in new window and complete the simple form. To compare your current rates, we recommend you copy the coverages exactly as shown on your declarations page. This helps ensure you're receiving rate quotes based on identical coverages.

Tailor your coverage to you

When it comes to choosing adequate coverage for your vehicles, there isn't really a "perfect" insurance plan. Everyone's needs are different and your policy should reflect that. For instance, these questions may help highlight whether you might need professional guidance.

  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in Utah?
  • Why does it cost so much to insure a teen driver in Provo?
  • Does my policy cover me when driving someone else's vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when driving in Canada or Mexico?

If you can't answer these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area. It's fast, free and can provide invaluable advice.

Best coverage at the best price

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. Too many times, someone dropped uninsured motorist or liability limits only to regret that they should have had better coverage. The aim is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

You just learned a lot of ways to get a better price on car insurance. The most important thing to understand is the more quotes you get, the better your comparison will be. Drivers may discover the best prices are with an unexpected company. These companies often have lower prices on specific markets than the large multi-state companies such as .

Lower-priced car insurance can be bought from both online companies and with local Provo insurance agents, so compare prices from both so you have a total pricing picture. Some insurance companies do not offer online quoting and many times these regional insurance providers only sell through independent insurance agents.