Comparing car insurance rates in Clearfield can be a lot of work since finding the best Utah insurance agency takes more work than just making a phone call. For the sake of this article, we’ll assume you want a good agent that listens to you, but also the best rates possible.
With insurance companies like State Farm, Allstate, Farmers and independent agents all competing for your business, it’s hard to tell which will give you the lowest rates and best service. To begin, you can use online quotes to assemble a group of agents to choose from.
Comparing rates from local agents
Good agents can answer important questions and help submit paperwork. One of the best bonuses of price shopping on the web is the fact that you can find the lowest rates but also keep your business local. And supporting local businesses is important particularly in Clearfield.
After completing this form (opens in new window), the quote information is sent to insurance agents in Clearfield who will return price quotes for your insurance coverage. You don’t have to leave your computer because quoted prices will be sent immediately to your email address. It doesn’t get any easier!
To view a list of agents in Clearfield to contact, view this link.
Deciding on an insurance agent shouldn’t rely on just the price. These are valid questions to ask:
- How long has their agency been open in Clearfield?
- How are claims handled?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Can they give you a list of client referrals?
- Which insurance companies are they affiliated with?
- Is working in the agency their full-time job?
- Is the agency involved in supporting local community causes?
Once you have acceptable answers to all your questions and an acceptable price quote, you may have just found an insurance agent that will properly service your car insurance policy.
But what about Geico, Progressive and Esurance?
Auto insurance agents are perfect for certain consumers, but Utah drivers can also buy direct from companies online. Certain auto insurance companies, such as Farmers Insurance and State Farm, who have local agents in Clearfield also allow you to get quotes and purchase online, and online price comparisons are easy if you prefer not to work with an agent.
If you’re anxious about having to choose coverages yourself, this is expected but don’t let that bother you. Car insurance companies that require consumers to choose their own coverages all have client service departments for getting advice on proper coverages.
Are online rates lower? The answer is complex due to the fact that there are many factors that determine the price you pay. It’s logical to say that purchasing direct online saves the cost of an agent commission. But the fact is, advertising budgets are huge and that can quickly cost more than paying an agent.
More resources for learning
Additional information is available on the Utah Insurance Department website. Click here for link. Utah drivers can view a list of available companies, download brochures, and read state legal mandates and laws.
Shop smart and save
Cheap car insurance can be sourced on the web and with local Clearfield insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies do not offer online price quotes and these small, regional companies work with independent agents.
Insureds switch companies for any number of reasons including policy cancellation, extreme rates for teen drivers, poor customer service or even not issuing a premium refund. Whatever your reason, finding the right car insurance provider is pretty simple and you could end up saving a buck or two.
