Lower Online Salem Auto Insurance Prices With These Methods

If you are a novice to online auto insurance shopping, it's easy to get overwhelmed due to the large number of auto insurance companies selling insurance in Salem.

It's important to shop coverage around occasionally because prices are constantly changing. Just because you found the best price two years ago there may be better deals available now. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to the quickest way to find great coverage at a great price.

Utah auto insurance

More discounts equal less premium

Companies offering auto insurance do not list every available discount in an easy-to-find place, so we took the time to find both well-publicized and the more hidden auto insurance savings.

  • Discount for Swiching Early - A few companies offer discounts for switching policies before your current policy expires. The savings is around 10%.
  • Theft Prevention Discount - Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Club Memberships - Participating in certain professional organizations could qualify you for a break on your policy.
  • Low Mileage - Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Safety Course Discount - Successfully completing a course in driver safety can save you 5% or more depending on where you live.
  • Discount for Life Insurance - Companies who offer life insurance give lower rates if you buy life insurance.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, auto insurance companies aren't that generous.

For a list of providers with discount auto insurance rates in Salem, follow this link.

Finding Auto Insurance Deals in Salem, UT

Most major insurance companies such as State Farm and Allstate provide coverage price quotes on their websites. This process is fairly simple as you simply enter your coverage preferences into the quote form. Once entered, the company's rating system will obtain your driving record and credit report and returns pricing information based on these factors.

Online price quotes streamlines rate comparisons, but the time it takes to visit each company's website and repetitively complete many quote forms can be a bit repetitive. Unfortunately, it is important to perform this step if you want to find a lower rate.

A more efficient way to get multiple rate quotes uses one form that analyzes rates from many companies. It's a real time-saver, requires less work, and makes online quotes much more efficient. As soon as the form is sent, it gets priced with multiple companies and you can pick any of the quotes that you receive. If the quotes result in lower rates, you simply finish the application and purchase coverage. The whole process takes 15 minutes at the most and you'll know if lower rates are available.

To find out how much you're overpaying now, click here and fill out the form. If you currently have coverage, we recommend you type in deductibles and limits identical to your current policy. This helps ensure you will have comparison quotes based on identical coverages.

It's not one size fits all

When it comes to choosing the right insurance coverage for your vehicles, there is no cookie cutter policy. Each situation is unique.

Here are some questions about coverages that might point out if you would benefit from professional advice.

  • Does my car insurance cover rental cars?
  • Do I need special endorsements for business use of my vehicle?
  • Are rental cars covered under my policy?
  • Is my nanny covered when driving my vehicle?
  • Is my dog or cat covered if injured in an accident?
  • What are Utah no-fault laws?
  • Does my personal auto insurance policy cover using my vehicle for business use?

If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Do the work, save more money

You just read a lot of information how to get a better price on auto insurance. It's most important to understand that the more you quote, the better your chances of lowering your rates. You may even discover the best price on auto insurance is with a company that doesn't do a lot of advertising.

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. There have been many cases where an insured cut physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. Your goal should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

Cheap auto insurance can be sourced online as well as from independent agents in Salem, and you need to price shop both to get a complete price analysis. Some insurance companies don't offer online quoting and many times these regional insurance providers only sell through independent insurance agents.