Top Ways to Save on Sterling Auto Insurance

No one in their right mind looks forward to paying for auto insurance, especially knowing the price is too high. Big-name insurance companies like GEICO and Progressive all promote huge savings with TV and radio ads and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

It's important to do rate comparisons periodically since insurance rates are constantly changing. Despite the fact that you may have had the best deal a couple years back you can probably find a lower rate today. Starting right now, forget anything you know (or think you know) about auto insurance because it's time to teach you the proper way to remove unneeded coverages and save money.

If you have a current auto insurance policy or need a new policy, you can follow these tips to get lower rates while maximizing coverage. Buying car insurance in Sterling is easy if you know what you're doing. Utah vehicle owners just need to know how to get comparison rates over the internet.

Utah auto insurance quotes

Sterling Auto Insurance Comparisons

Cutting your Sterling auto insurance rates is a fairly straight forward process. You just have to invest a few minutes getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished in several different ways.

  • The recommended way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This form keeps you from doing a different quote for every auto insurance company. Just one form will get you rate comparisons .
  • A harder way to get quotes online requires you to visit the website for each individual company and complete a new quote form. For example, we'll assume you want to compare , and . To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is more popular.

    To view a list of companies in Sterling, click here.
  • The hardest method to get comparison rates to and from local Sterling insurance agencies. The internet has reduced the need for local agents unless you require the personal advice of a local Sterling agent. Drivers can get the lowest quotes online and still use a local agent and we'll touch on that later.

It's up to you how you get prices quotes, just be sure to compare exactly the same coverage information on every quote. If you have unequal deductibles or liability limits it's impossible to make a fair comparison in Sterling.

Save big with these discounts

Companies don't list all their discounts in a way that's easy to find, so here is a list some of the best known as well as the least known ways to save on auto insurance. If you aren't receiving every discount you qualify for, you're paying more than you need to.

  • Bundle and Save - When you combine your home and auto insurance with the same company you may earn up to 20% off your total premium.
  • Good Student - A discount for being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Senior Discount - Mature drivers may be able to get reduced rates.
  • Seat Belts Save more than Lives - Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • Federal Employees - Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
  • Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Auto/Life Discount - Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Accident Forgiveness - A handful of insurance companies will forgive one accident before raising your premiums as long as you don't have any claims prior to the accident.
  • New Vehicle Savings - Adding a new car to your policy can be considerably cheaper since new cars are generally safer.

Consumers should know that most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. Just because it seems like it's possible to get free car insurance, companies don't profit that way.

To see a list of companies who offer auto insurance discounts in Sterling, click this link.

But I don't know anything about car insurance

When choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone's situation is a little different so this has to be addressed. These are some specific questions may help highlight if your situation could use an agent's help.

  • What are the best liability limits?
  • Do I need to file an SR-22 for a DUI in Utah?
  • Should I put collision coverage on all my vehicles?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If it's difficult to answer those questions, then you may want to think about talking to 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. It only takes a few minutes and can help protect your family.

More detailed Utah auto insurance information is available at the Utah Insurance Department website. Utah drivers can view agent and company licensing information, file complaints about a company, learn about insurance regulations, and find a variety of consumer forms.