Car Insurance in Spanish Fork, UT - 6 Discounts You Might be Losing Out On

Comparison shopping for Spanish Fork car insurance is difficult for consumers new to shopping for insurance online. Consumers have so many options available that it can be a challenge to compare prices in Spanish Fork.

If you are paying for car insurance now, you will be able to save some money using this information. The purpose of this post is to let you in on how car insurance quotes work and some tips to save money. Nevertheless, Utah consumers do need to know the way companies price online insurance and take advantage of how the system works.

Policy discounts you shouldn't miss

Properly insuring your vehicles can get expensive, but there could be available discounts that many people don't even know exist. Certain discounts will be applied at the time of quoting, but lesser-known reductions have to be specially asked for before you will receive the discount.

  • Seat Belt Usage - Drivers who require all occupants to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Employee of Federal Government - Active or retired federal employment may qualify you for a discount with a few car insurance companies.
  • Theft Prevention System - Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Defensive Driver - Taking part in a defensive driving course could save 5% or more if you qualify.
  • Life Insurance Discount - Larger companies have lower rates if you buy auto and life insurance together.
  • Multi-car Discount - Buying insurance for more than one vehicle on one policy could earn a price break for each car.

Consumers should know that some of the credits will not apply to the entire cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, companies don't profit that way. Any qualifying discounts will cut the amount you have to pay.

Save $429 a year? Really?

Car insurance providers like Progressive, Allstate and GEICO constantly bombard you with television and radio advertisements. They all have a common claim of big savings if you switch to their company. How do they all claim to save you money?

All the different companies can use profiling for the driver that earns them a profit. An example of a driver they prefer might be between the ages of 30 and 50, is a homeowner, and chooses high deductibles. Any new insured that hits that "sweet spot" gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don't qualify for the "perfect" profile will be quoted more money and this can result in the customer not buying. Company advertisements say "people who switch" but not "drivers who get quotes" save that much. That's why insurance companies can confidently state the savings.

This emphasizes why drivers should compare many company's rates. It's just too difficult to predict the company that will give you the biggest savings.

Learn more today

Additional car insurance information is available on the Utah Insurance Department website through this link. Visitors are able to find a variety of consumer forms, download brochures, and read consumer alerts.

The best insurance company isn't always the cheapest

Drivers switch companies for many reasons like being labeled a high risk driver, extreme rates for teen drivers, policy non-renewal and even delays in responding to claim requests. No matter why you want to switch, finding the right car insurance provider is less work than it seems.

When buying insurance coverage, you should never skimp on coverage in order to save money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

Cost effective car insurance can be found both online and also from your neighborhood Spanish Fork agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.