Top 10 Ways to Save Money on Car Insurance in Sandy

Expensive car insurance can overdraw your checking account and force you to make sacrifices. Shopping your coverage around is free, only takes a few minutes, and is a good way to make sure you're not throwing money away. You have multiple to pick from, and even though it's nice to be able to choose, having more makes it harder to compare rates.

It's important to do rate comparisons quite often since rates are constantly changing. Even if you think you had the best deal last year you can probably find a better price now. So ignore everything you know about car insurance because we're going to show you the proper way to remove unneeded coverages and save money.

Are you getting all your discounts?

Companies offering auto insurance don't always advertise all their discounts very clearly, so here is a list some of the more common and the more hidden savings tricks you should be using. If you're not getting every credit you deserve, you are paying more than you should be.

Sign Online - Certain companies will give a small break just for signing your application over the internet.
55 and Retired - If you're over the age of 55, you may receive reduced rates.
Safety Course Discount - Completing a driver safety course could cut 5% off your bill if your company offers it.
Bundle and Save - If you insure your home and vehicles with one insurance company you could get a discount of up to 20% off your total premium.
Anti-lock Brake System - Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
Accident Free - Drivers who don't have accidents can earn big discounts as compared to accident-prone drivers.
Multiple Cars - Buying coverage for all your vehicles with the same company could earn a price break for each car.
Anti-theft Discount - Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
Pay Now and Pay Less - If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
Air Bag Discount - Factory air bags or automatic seat belts may earn rate discounts up to 30%.

It's important to note that most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like it's possible to get free car insurance, you're out of luck.

To choose companies with discount car insurance rates in Utah, click here to view.

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

Consumers can't ignore all the ads for car insurance savings by companies like State Farm, GEICO and Progressive. They all seem to make an identical promise that you can save if you change to them.

How does each company make the same claim?

All companies have a preferred profile for the type of driver that makes them money. An example of a desirable insured could be a mature driver, insures multiple vehicles, and drives newer vehicles. Any new insured who meets those qualifications is entitled to the best price and as a result will probably save when switching.

Drivers who are not a match for these standards will have to pay a higher premium and ends up with business going elsewhere. Company advertisements say "people who switch" not "everybody who quotes" save money. This is how insurance companies can claim big savings. Because of the profiling, you should get as many quotes as possible. It's just too difficult to predict which insurance companies will give you the biggest savings.

Tailor your coverage to you

When buying proper insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Everyone's needs are different so your insurance should reflect that For instance, these questions may help you determine whether you would benefit from professional advice.

Does medical payments coverage apply to all occupants?
Should I buy additional glass protection?
Should I rate my vehicle as pleasure use or commute?
What is the difference between comprehensive and collision coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
Am I covered when driving in Canada or Mexico?
Is my nanny covered when driving my vehicle?
Am I covered when driving on a suspended license?

If you're not sure about those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Additional detailed information is available at the Utah Insurance Department website. Consumers can get help finding coverage, learn about insurance regulations, discover disciplinary actions, and view agent and company licensing information.

Other informative sites include this site for Utah car insurance information and see this list of insurance agents in Sandy.

Best coverage at the best price

Lower-priced car insurance is attainable from both online companies and with local Sandy insurance agents, and you need to price shop both to have the best selection. A few companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.

When trying to cut insurance costs, make sure you don't buy poor coverage just to save money. In many cases, drivers have reduced liability limits or collision coverage only to find out that it was a big mistake. Your aim should be to buy enough coverage at an affordable rate.