Car Insurance in Tremonton - 7 Discounts You Might be Unaware of

No one in their right mind cherishes buying car insurance, particularly when their premiums are too high.

You have multiple to buy insurance from, and although it's a good thing to be able to choose, having more makes it harder to compare rates.

It's important to do rate comparisons periodically since rates are constantly changing. Even if you got the lowest price two years ago you can probably find a better price now. Block out anything you think you know about car insurance because we're going to demonstrate the only way to reduce your cost while improving coverage.

Buying car insurance in Tremonton is easy if you know what you're doing. Basically, everyone who is required by state law to have car insurance stands a good chance to be able to lower their premiums. But Utah consumers do need to know the way insurance companies price online insurance because it can help you find the best coverage.

Take advantage of discounts

Companies don't always list all their discounts very clearly, so we researched both the well known as well as the least known savings tricks you should be using.

Bundle and Save - If you insure your home and vehicles with the same company you may earn approximately 10% to 15%.
Early Signing - Some insurance companies reward drivers for buying a policy prior to your current policy expiration. This can save 10% or more.
Theft Prevention System - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
Accident Forgiveness - Certain companies will forgive one accident before hitting you with a surcharge as long as you don't have any claims for a particular time prior to the accident.
Payment Discounts - If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
Defensive Driver - Taking part in a defensive driving course can save you 5% or more if your company offers it.
Save with a New Car - Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.

Consumers should know that most discount credits are not given to the entire policy premium. Most cut individual premiums such as collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, companies don't profit that way.

To choose companies offering car insurance discounts in Utah, click here to view.

Are car insurance companies telling the truth?

Car insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads on TV and radio. They all seem to make an identical promise that you'll save big if you switch to them. How does each company claim to save you money?

All the different companies have a certain "appetite" for the type of driver that makes them money. For instance, a desirable insured might be a mature driver, a clean driving record, and chooses high deductibles. Any new insured who meets those qualifications gets the lowest rates and most likely will save when switching.

Potential customers who don't qualify for these standards will have to pay a more expensive rate and ends up with the customer not buying. The ads say "customers that switch" not "people who quote" save money. That is how companies can state the savings. Because of the profiling, you should compare many company's rates. It's just too difficult to predict which company will give you the biggest savings.

How to know if you need help

When buying the best car insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Everyone's situation is a little different so your insurance should reflect that These are some specific questions may help highlight whether your personal situation would benefit from professional advice.

What are the best liability limits?
Does my car insurance cover rental cars?
Do I need special endorsements for business use of my vehicle?
I have good health insurance, so how much medical payments coverage do I need?
What is the difference between comprehensive and collision coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?

If you're not sure about those questions but a few of them apply, you may need to chat with an agent. If you don't have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Additional Utah consumer information

More detailed Utah car insurance information is located at the Utah Insurance Department website. Visitors are able to view agent and company licensing information, file complaints about a company, read consumer alerts, and get help finding coverage.

Affordable insurance is out there

When buying insurance coverage, never buy poor coverage just to save money. In many instances, someone dropped liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at a price you can afford.

We just covered some good ideas how you can save on car insurance. The key thing to remember is the more rate quotes you have, the better chance you'll have of finding lower rates. Consumers may even find the best price on car insurance is with some of the lesser-known companies. Some small companies may often insure only within specific states and give getter rates than their larger competitors like .

Discount car insurance can be found both online and with local Tremonton insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies do not offer online price quotes and most of the time these small, regional companies sell through independent agents.