Best Cheap Car Insurance Quotes for Welfare Recipients in Utah

When shopping for car insurance for drivers on welfare, one of the many things that is looked at to help calculate the annual cost of car insurance is where you live in Utah. Areas that are more densely populated like Taylorsville, Millcreek, and Sandy tend to have higher rates, whereas areas with less congestion generally benefit from lower car insurance rates.

The next table lists the more expensive cities in Utah for welfare recipients to purchase a policy in.

Premium costs are approximated as specific Utah zip code can alter auto insurance rates greatly.

The make and model of vehicle needing coverage is one of the largest considerations when comparison shopping for cheaper car insurance for welfare recipients. Vehicles with more horsepower, poor safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than safer, lower-performance models.

The information below ranks auto insurance premiums for a selection of the most budget-friendly automobiles to insure in Utah.

Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Utah minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in specific Utah garaging location which can affect coverage prices noticeably.

Based upon the table data, makes and models like the Honda CR-V, Toyota Prius, and Jeep Grand Cherokee are a few of the cheaper vehicles to insure for drivers on welfare.

Finding reliable, low-cost auto insurance is not the easiest thing to accomplish, and determining which company has the most affordable car insurance rates for welfare recipients requires even more perseverance. Every auto insurer has a different formula to establish rates, so we need to take a look at the lowest cost car insurance companies in Utah.

It’s important that you understand Utah car insurance rates are influenced by many factors that control your annual premium. That is why consumers need to take the time to take the time to shop around to get the most economical car insurance rates for welfare recipients. Insurance rates are determined by many risk factors and change dramatically, so the cheapest option the last time you checked may now be one of the more expensive options.

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Bear River quotes some of the most affordable car insurance rates in Utah at around $590 per year. USAA, Auto-Owners, American Family, and Allied also make the cut as some of the most economical Utah car insurance companies.

As the example above demonstrates, if you are currently insured with American Family and switched to USAA, you may see a yearly price reduction of about $195. Drivers with Allied may save as much as $238 a year, and Farm Bureau Mutual customers might lower prices by up to $266 a year.

Understand that those premiums are averaged across all types of drivers and the different vehicles they drive and and are not calculated with a price decrease for welfare recipients. So the company that fits you best may not even be included in the above list. That points out the importance of why you need to get rate quotes using your own specific driver and vehicle information.

The information below illustrates how your deductible choice can raise or lower insurance costs when searching for cheap insurance for welfare recipients. The data is based on a married male driver, comp and collision included, and no discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3107,2831,2525,2237],[‘Age 30’, 1631,1485,1317,1157],[‘Age 40’, 1561,1429,1275,1127],[‘Age 50’, 1427,1307,1167,1035],[‘Age 60’, 1405,1285,1147,1019],[‘Age 70’, 1609,1479,1335,1197]]);var options = {title: ‘Impact of Higher Deductibles on Insurance Cost in Utah’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 50-year-old driver could cut expenses by $260 a year by increasing from a $100 deductible to a $500 deductible, or save $392 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old category, could save $870 each year by selecting a higher deductible.

When increasing deductibles, it will be required to have additional savings on hand to allow you to pay the extra out-of-pocket expense that is associated with using high deductibles.

Rate increases following a ticket or accident

The obvious way to score the cheapest car insurance rates in Utah for drivers on welfare is to be an attentive driver and avoid tickets and accidents. The illustration below highlights how traffic violations and fender-benders can raise insurance costs for each different age group. The data is based on a married male driver, full coverage, $500 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2525,2749,3355],[‘Age 30’, 1317,1535,2145],[‘Age 40’, 1275,1491,2103],[‘Age 50’, 1167,1389,1997],[‘Age 60’, 1147,1367,1975],[‘Age 70’, 1335,1553,2165]]);var options = {title: ‘Impact of Citations and Accidents on Utah Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Utah’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous chart, the average cost of auto insurance in Utah per year with no accidents or violations is $1,461. Add in one speeding ticket and the average cost jumps to $1,681, an increase of $220 each year. Now get one accident along with the one speeding ticket and the 12-month cost of car insurance for welfare recipients increases to an average of $2,290. That’s an increase of $829, or $69 per month, just for not driving carefully!

Cheap insurance quotes for drivers on welfare

Thanks to technology, there are a lot of ways to find cheaper car insurance in Utah, but the most preferred are through a non-exclusive or independent agent, an exclusive insurance agent like State Farm or Allstate, or from a direct company like Geico.

All three ways are similar, but car insurance buyers need to understand the differences in how they provide price quotes.

Independent insurance agents work for many companies and can get rate quotes from every one. These agents can sell policies from many different companies and can give you more rates, which may provide you with a better chance of finding cheaper coverage. If prices rise, they simply switch companies in-house without you having to go to a different agency.

A captive or exclusive agent is contracted to just one company such as a State Farm or Liberty Mutual agent. These guys and gals cannot shop your coverage around, so if finding the cheapest car insurance is your goal, you will want to shop around.

The third popular method of shopping for car insurance is direct, which means you bypass local insurance agents and instead buy from a direct company like Progressive. Shopping for car insurance direct may be the best choice consumers who have little risk and understand how car insurance works and possible exclusions.

Which method works best for finding the best cheap car insurance for welfare recipients in Utah? The quick answer would be buying direct results in the cheapest price because there is no agent involved, but that is not always the case. We could also say that buying car insurance from an independent agent is the best way to go due to increased selection, but again, it’s not necessarily true. In many circumstances, exclusive agencies may have prices that independents and direct companies can’t touch.

Because there is so much variation in car insurance prices, the only true way to buy the cheapest policy is to get as many comparison quotes as possible. To cover all the bases, get prices from all three to give yourself enough choices. We compiled a list of companies with some of the cheapest online rates that you can click here to view.

How to get the best cheap car insurance for welfare recipients in Utah

It is possible to find better rates, and here are many penny-pinching solutions that can help you locate cheaper coverage.

• Buying your home and auto policies from the same company can earn a discount
• Do not pay for full coverage on older vehicles
• Lower rates by purchasing a safer vehicle
• Higher physical damage deductibles lower rates
• Save money by staying claim-free
• Higher credit scores may earn you cheaper rates
• Shop around once a year for cheaper rates

The final tip is highly critical, as we noted in this article. Insurance prices in Utah fluctuate considerably, so don’t be afraid to buy from a different company if a better rate can be found. We understand brand loyalty, but it’s not a good idea if that devotedness results in you overpaying a considerable chunk of change every month. It takes less than five minutes to compare prices and find cheaper car insurance for welfare recipients.