Get Cheap Car Insurance In Utah
Reader’s Question:
Where should I go to get cheap car insurance in Utah? I tried my local agent but I didn’t have much luck. Thanks
Mary
Salt Lake City, Utah
Hi Mary,
The local shopping mall may be the easiest place to look for car insurance but it is rarely the most competitive place to shop. Rarely will you find a selection of insurers and agents to choose from, plus most outlets in a shopping mall have high leases to cover and this means higher prices.
The best way to get cheap car insurance in Utah is to use the internet. This will provide you with details of many agents and insurers that will provide you quotes. It may take some time to go through your details with each agent and insurer but by approaching many providers you are more likely to get a cheaper quote.
If this isn’t appealing then you could listen out for insurance adverts on the TV and radio. Try to all at least five this is the only way to get cheap car insurance. If you approach just one you have nothing to bargain with. For example, by getting just two quotes you may be able to get the more expensive to lower their price or match the other quote. Increase this to five and your quotes should start to get more competitive.
Ask for discounts, you never know what you might be able to get and how much you can save by asking. Some popular discounts can be given for:
1. Military personnel
2. Good grade students
3. Union membership and bank member affiliations
4. Safe drivers with no claims in last 7 years
5. Defensive driving school attendance
6. Clean credit history – used by many carriers to determine payment risk
Also talk to friends and work colleagues; they may be able to recommend a good insurer or agent if they have already been through the above process.
Speeding Ticket in Utah – Will It Affect My Auto Insurance
Reader’s Question:
I got pulled over for speeding here in Utah. Will my first ticket have an effect on my car insurance rates? I am in search of cheap auto insurance in Utah! help………please!
Benny
Orem, UT
Most car insurance companies in Utah base their policy rates on many factors, and one of them is your traffic violations. So getting a speeding ticket will most likely affect your car insurance rates.
Some states regard speeding or driving at high speeds as a felony, and a felony is not just a simple traffic violation. A felony is punishable by at least a year in prison, so better be careful when driving.
Apart from being arrested, your license can also be revoked in some states, especially if you’re driving at speeds of twenty miles per hour or more. Speeding violations is definitely a bad thing for your driving record especially if you have car insurance premiums to pay. So you better pray that traffic cops will only give you a regular ticket for speeding, and you might be able to have that ticket erased from your record after attending a traffic school. And if you can get your speeding ticket removed, your car insurance rates might not be affected. In some instances, there are car insurance companies that might let a first speeding ticket slide. But there are also some companies that will classify you as a high-risk driver, thus boosting your car insurance rates up!
The best thing to do is to get in touch with your local agent so you can clarify certain company policies regarding speeding tickets and insurance rates. Try getting quotes from different car insurance companies, so you can find out which ones are better. You have two options: pick up the phone or turn on your PC.
