5 Tips for Getting Vehicle Insurance

You see the shiny new car on the dealership lot. You think about how good it would feel to get behind the wheel and take a long drive. Before you go anywhere, you need to make sure you have adequate car insurance in Salt Lake City to cover you in case of an accident. Here are five tips to help you get the best car insurance rates possible for your situation.

1. Don’t Settle for the First Quote

It’s common for people to take the first quote they receive if it fits in their budget. What they fail to realize is they might save money if they check with other insurance agencies. Insurance companies tend to be competitive, trying to offer lower prices and appeal to new customers.

2. Look for Discounts

You can often save money on your car insurance if you qualify for discounts. Most insurance providers offer numerous discounts to reward you for being a lower risk. Some of them are based off factors you can’t control while others allow you to make decisions for lower insurance. For instance, you may qualify for a safe driver discount if you take a driving course.

3. Consider the Vehicle Before You Buy

Certain vehicles will cost more to insure than others. You may want to consider the cost of insurance before you settle on which model to buy. For instance, SUVs are often less expensive for car insurance than sports cars. You can talk to your insurance agent about the different models you’re considering and they can come up with quotes so you can compare costs.

4. Bundle Your Insurance Policies

One way to save money on car insurance is by combining it with other insurance policies. You can compare the cost of each policy separately and then putting the car insurance and homeowner’s insurance policies together. Most of the time, you’ll reduce your overall costs. You can test the difference in switching to your car insurance provider or your home insurance agency.

5. Be a Better Driver

One of the biggest reasons for higher rates on car insurance is your driving record. Some of it is because of your age or gender, which are two factors you can’t do anything about. However, past traffic tickets or claims will have an impact on how much you pay for car insurance.

While you might not be able to change your rates right now, you can focus on working towards having a better driving record for lower premiums in the future. You can take safe driving courses, which will show that you’re a more aware driver.

Consider these five tips as you search for auto insurance on a vehicle you plan to buy or one you already own. Take the time to find the lowest rates and work towards reducing your premiums in the future. You might be surprised at how much money you can save just by comparing prices, bundling your policies and being a more responsible driver.

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities. Affordable rates and superior service for all home, auto and business/commercial insurance needs.

Asa Insurance provides excellent coverage for auto insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities. Affordable rates and superior service for all home, auto and business/commercial insurance needs.