7 steps to take advantage of an
Utah independent insurance agent
Step 4: Now your agent can submit your information to multiple carriers.
It takes roughly 15-20 minutes to fill out all the information to get a car insurance quote. As an independent agent we can submit to over 20 carriers at once. That is almost 7 hours to do it yourself. With today’s busy lifestyles 7 hours of your time is worth a lot. This does not include the time and advice you will receive for the years to some whether it be changing carriers or in the event of the need to file a claim.
Step 5: Take advantage of discounts offered by insurance companies
After we narrow down your best options, we will look at what discounts these insurance companies offer. Insurance is an extremely competitive market. All carriers have some sort of incentive to get coverage with them. Some of these are: Good student discount, Good driver discount even a discount if your car has certain safety features. One of the best discounts is allowing the insurance carrier to monitor your driving habits. I am currently on track to save 25% on my next renewal with Nationwide! You can even receive a better price if you belong to certain occupation or professional affiliations. The newest trend with today’s environment is “pay as you drive” This option is great for people who are working from home now and are not driving their cars very much anymore. The last best way to save money on insurance is to bundle your home or renter’s insurance with the same carrier. If you own a business, it is even better to move that insurance to the carrier as well.
Step 6: We can help you decide what addon’s you want.
Addon’s make your life easier. These additional coverages are Roadside assistance. If your car breaks down the insurance company will cover the bill or a portion of the charge. Lock out service, if you lock your keys in your vehicle, they can send someone to let you in your car or truck. If you get a flat tire or run out of gas, they will send gas to your location. Windshield chip repair or replacement. With all the new safety features in today’s cars like, lane keep assist forward collision avoidance the average cost of glass replacement and calibration of all these cameras and sensors range from $800.00 to $1300.00. Another additional coverage that most people automatically come with their insurance is the ability to use original manufacture parts to repair your vehicle in the event of a covered claim. New cars are expensive. I would not want to repair my car with inexpensive aftermarket parts.
Step 7: Insurance companies love long history of continuous coverage
After we have helped you establish a good history of continuous coverage, we can shop our partners to see if you can now qualify for better coverage and a cheaper insurance rate. A good independent agency will perform periodic client audits to make sure we are getting you the best coverage at the best price.