Get the Best Auto Insurance Quotes in Utah

 

How to Get the Best Auto Insurance Quotes in Utah

Getting the best auto insurance quotes in Utah takes a little effort on your part, but will save you money in the long run. Here are the steps to take:

• Shop around at different companies: Don't just go with the company you've always had or the first quote you get. Compare quotes from at least 3-4 major insurers like Geico, State Farm, Progressive and Liberty Mutual. Each company evaluates risk differently, so quotes can vary a lot.

• Provide the same information to each company. Make sure you're entering the same coverage types and limits, vehicle details, and personal information so you're comparing apples to apples. Even small differences can affect your premium.

• Consider bundling with other policies. If you have homeowner's or life insurance, bundling multiple policies together can qualify you for a multi-policy discount of up to 20% or more. 

• Raise your deductibles. The higher your deductibles, the lower your premiums. Raise your deductibles to at least $500 or $1000 to significantly lower your rates. Just make sure you can afford the deductibles in case of a claim.

• Ask about discounts. There are many common discounts like safe driver, student, homeowner, bundling, etc. But less common ones could also apply like affinity group memberships. 

• Consider usage-based or pay-as-you-drive insurance. If you don't drive much, you can save with telematics programs that track your mileage. You're only charged based on how much you actually drive.

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Factors That Affect Your Utah Car Insurance Rates

Several key factors determine how much you’ll pay for auto insurance in Utah. Insurance companies evaluate these factors to calculate your premiums and set your rates.

1. Your location

Where you live in Utah impacts your premiums. Rates tend to be higher in large cities where accidents and thefts are more common, like Salt Lake City or Provo. If you live in a rural area with less traffic and crime, you’ll typically pay less.

2. Your driving record

Your driving history is one of the biggest influences on your premiums. If you have past violations like speeding tickets, DUIs or at-fault accidents on your record, insurance companies see you as a high risk to insure and will charge you more. Multiple or recent infractions will increase your rates even more. The best way to lower your premiums over time is to maintain a clean driving record.

3. Your vehicle

The type of car you drive also determines your rates. If you own a luxury vehicle, sports car or high-performance vehicle that costs more to repair or replace, you’ll pay higher premiums. On the other hand, safe, affordable and low-maintenance vehicles are cheaper to insure. Consider the loss history of the specific make, model and year of your vehicle as well. Some vehicles have higher claim rates, so they cost more to insure.

4. Your coverage levels

The more coverage and higher coverage limits you choose, the more you’ll pay for car insurance. Get only the coverage types and limits you truly need based on the value of your assets.

For example, choose higher coverage if you own an expensive home, but lower limits may be sufficient if you rent an apartment.

READ ALSO: How to Get Cheap Auto Insurance in Knoxville, TN

Top 5 Tips for Saving on Utah Auto Insurance

Here are some of the best ways to save money on your Utah car insurance:

1. Compare quotes from multiple companies

Don't just go with the first quote you get. Compare rates from at least 3 to 5 top insurance providers in Utah like Geico, State Farm, Allstate, and Progressive. You could save $500 or more per year by comparing quotes.

2. Raise your deductibles

The higher your deductibles, the lower your premiums will be. Raise your collision and comprehensive deductibles to at least $500 or $1,000 to lower your rates. Just make sure you can afford to pay the deductibles if you have a claim.

3. Improve your credit score

In Utah, insurance companies can consider your credit score when determining your premiums. A better score can mean lower rates. Check your credit report and score and take steps to improve it, like paying bills on time and paying down high-credit card balances.

4. Reduce coverage on older vehicles

If you have an older vehicle, you only need liability coverage. Drop collision and comprehensive coverage to save money. The premiums you pay for full coverage likely outweigh the value of an older vehicle.

5. Bundle your auto policy

Bundle your auto insurance with other policies like home, life or renters insurance. Most companies offer a discount of up to 20% for bundling multiple policies. This is an easy way to save a lot of money on your car insurance premiums.

Conclusion

Following these useful tips and taking the time to compare quotes from different Utah insurance providers can help ensure you get the lowest premiums and the best coverage for your needs.