South Salt Lake Car Insurance For Less Than You're Paying Now

Searching for the lowest cost South Salt Lake car insurance on the internet can be rather challenging for consumers new to shopping for insurance online. When there are so many choices, how can you possibly compare the different rates to find the best pricing?

It's important to take a look at other company's rates quite often because rates are constantly changing. If you had the lowest rates two years ago you can probably find a better price now. Starting now, ignore everything you know about car insurance because you're going to learn the tricks you need to know to reduce your cost while increasing coverage.

South Salt Lake Rates are Influenced by These Factors

Consumers need to have an understanding of some of the elements that come into play when calculating your car insurance rates. Understanding what influences your rates enables informed choices that may reward you with better car insurance rates.

The list below includes a few of the "ingredients" car insurance companies consider when setting rates.

Rural vs Urban Areas - Residing in a small town can be a good thing when it comes to car insurance. Fewer people translates into fewer accidents. City drivers have to deal with much more traffic to deal with and longer commutes to work. More time on the road means more change of being in an accident.
Men fork out a little more - Statistics have proven that men are more aggressive behind the wheel. However, don't assume that men are worse drivers. Men and women tend to get into accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations such as reckless driving.
Rates may be higher depending on your occupation - Jobs such as lawyers, architects and accountants tend to have higher rates than average due to high stress and long work hours. On the flip side, professions such as pilots, athletes and the unemployed receive lower rates.
Increase deductibles and save - Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply are collision with another vehicle, collision with an animal, and windstorm damage. Your deductibles are how much you are required to spend out-of-pocket before a claim is paid by your company. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive.
How's your driving record? - Careful drivers get better rates than people who have multiple driving citations. Just one speeding ticket can boost insurance rates by as much as thirty percent. Drivers who have severe citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.

Save big with these discounts

Companies offering auto insurance do not advertise all their discounts in an easy-to-find place, so we break down some of the more common and also the lesser-known car insurance savings.

Discount for Life Insurance - Some companies give lower rates if you buy life insurance from them.
55 and Retired - If you're over the age of 55, you can possibly qualify for better car insurance rates.
No Accidents - Drivers who don't have accidents can save substantially as compared to accident-prone drivers.
Own a Home - Owning a house in South Salt Lake may trigger a car insurance policy discount because of the fact that having a home is proof that your finances are in order.
Good Student Discount - This discount can save 20 to 25%. This discount can apply up to age 25.

It's important to note that most credits do not apply to the overall cost of the policy. Most cut specific coverage prices like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, you're out of luck.

To choose companies with the best car insurance discounts in South Salt Lake, follow this link.

Car insurance ads bend the truth

Car insurance companies such as GEICO, State Farm and Progressive regularly use ads on TV and radio. They all seem to say the same thing that you can save if you move to their company. How do they all make the same claim? It's all in the numbers.

Different companies have a preferred profile for the driver that makes them money. For example, a desirable insured could be over the age of 40, insures multiple vehicles, and chooses high deductibles. A customer who fits that profile gets the lowest rates and most likely will cut their rates substantially.

Potential customers who fall outside the "perfect" profile will have to pay a more expensive rate which usually ends up with business going elsewhere. The ads say "customers who switch" not "people who quote" save that much. This is how insurance companies can state the savings. Because of the profiling, you should get a wide range of price quotes. Because you never know which insurance companies will give you the biggest savings.

But I don't know anything about car insurance

When buying adequate coverage for your personal vehicles, there is no best way to insure your cars. Every situation is different.

These are some specific questions may help you determine if your situation could use an agent's help.

When does my teenage driver need to be added to my policy?
Should I put collision coverage on all my vehicles?
Will I be non-renewed for getting a DUI or other conviction?
When do I need to add a new car to my policy?
Do I need to file an SR-22 for a DUI in Utah?
Do I have coverage for damage caused while driving under the influence?
Should I have combined single limit or split liability limits?
Does my car insurance cover rental cars?

If you don't know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don't have a local agent, complete this form.

Additional detailed information can be found at the Utah Insurance Department website. Consumers can view agent and company licensing information, learn about insurance regulations, and read industry bulletins.

Shop smart and save

When buying insurance coverage, never buy poor coverage just to save money. In many instances, drivers have reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at the best price.

Consumers who switch companies do it for a variety of reasons including delays in paying claims, denial of a claim, high rates after DUI convictions or even lack of trust in their agent. Whatever your reason, finding a new car insurance company is easier than you think.

We just showed you a lot of information how to save on car insurance. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even discover the lowest premiums are with some of the smallest insurance companies.