If you think that there isn’t anything you can do to cut the price of your automobile insurance you may be surprised. There are plenty of discounts available to drivers in Utah – some you may already know about but there are plenty that you may not have even thought of. It is mandatory to carry adequate car insurance but that doesn’t mean you have to pay a high price for it. Here are some discounts that will get you on your way to lower rates.
Some companies are offering discounts if you drive a hybrid vehicle, an electric car or one that uses any other kind of alternative fuel. If you drive a hybrid, check out the companies in your area to see if they offer lower rates.
Combine your Coverage
In Utah, if you bring your life insurance policy to the same company that provides your car insurance, you may qualify for a discount. In fact some carriers will reduce your rates if you have your car, health, life, homeowners or renter’s insurance all with them. The best part is having everything under one roof makes it easier for you as well.
There are some companies that offer a discount to new parents, grandparents or legal guardians of children who live in the household and are six years old or younger. Check the requirements and restrictions of this discount but it is certainly worth checking out.
Young Driver’s Classes
If you are a driver under the age of 25, live with your parents and have had no citations or violations in the past three years, you might qualify for a discount. Some companies reward young drivers who participate in defensive driving classes. The more educated the young driver is about the rules of the road, the better prepared he or she will be.
Setting up your Payments
You could pay less for your insurance if you set up electronic funds transfer of your premiums when you purchase your policy. Some companies give an even larger discount if you pay your policy in full each year.
Multi car discount
Most companies will give you a discount if you insure more than one vehicle under your policy. The cars must be housed at the same location and driven by family members who are residents of the household.
Your insurance carrier may offer a discounts to drivers who are 55 years of age or older if they participate in a certified defensive driving class.
Always check with your insurance agent to see if there are any discounts available for you and your family members. And always update your information every time you renew your policy.