Consumers Guide to Finding a West Jordan, UT Car Insurance Agent

Comparing auto insurance companies in West Jordan, Utah can be challenging because there are a lot of options and selecting the best West Jordan auto insurance agent for your needs is harder than just making a phone call. Chances are good you’re looking for a great agent that can assess your needs, but you also need affordable coverage.

With companies like Allstate, Farmers and State Farm as well as independent agents all competing for business in West Jordan, consumers have a hard time knowing which provider will provide you with the best rates, service and coverage. To help decide, you can use insurance quotes online to assemble a group of insurance agents and thier coverage prices.

Neighborhood insurance agents

Agents can point out coverage gaps and help submit paperwork. The biggest benefit of comparing insurance prices online is that you can obtain the best rates and still choose a local agent. And providing support for local businesses is important particularly in West Jordan.

After completing this simple form, the quote information is sent to companies in West Jordan who will give you bids for your coverage. You never need to even leave your home as quotes are delivered straight to your inbox. How cool is that?!

West Jordan insurance agencies are either independent or captive

When finding an insurance agent, there are two types of agencies to choose from. Agents can either be captive or independent. While both can properly insure your vehicles, but it’s worth learning the difference between them because it can influence the type of agent you choose

Independent Agents (or Brokers)

Independent agencies are not locked into one company but rather can write business with many different companies enabling the ability to shop coverage around. To move your coverage to a new company, the agent simply finds a different carrier and you don’t have to find a new agent.

When searching for an agent, it’s recommended you include price quotes from multiple independent agents to ensure the widest selection of prices.

Below are West Jordan independent insurance agents who can help you get comparison quotes.

Ronald L Lunt Insurance Inc – 1765 W 7000 S – West Jordan, UT 84084 – (801) 566-7574
El Sol Insurance – 1572b W 7800 S – West Jordan, UT 84088 – (801) 566-3470
Daniel W Smith Agency – 1847 W 9000 S # 106 – West Jordan, UT 84088 – (801) 566-3334

Agency Captives

Captive agents can only place business with one company such as Liberty Mutual, State Farm, Allstate and AAA. They are unable to compare other company’s rates so they have no alternatives for high prices. They receive extensive training on their products and sales techniques which helps them compete with independent agents.

Listed below is a list of captive insurance agencies in West Jordan who can help you get price quote information.

Farmers Insurance Group – 1775 W 7000 S – West Jordan, UT 84084 – (801) 255-8563
Rocky Rhodes State Farm Ins – 7613 Jordan Landing Blvd – West Jordan, UT 84084 – (801) 260-0104
American Family Insurance – 9066 S 1510 W # 1522 – West Jordan, UT 84088 – (801) 255-0535
Allstate Insurance – 9257 Redwood Rd # A – West Jordan, UT 84088 – (801) 566-6195

For a full directory of captive agents in West Jordan, please click here.

Deciding on an auto insurance agent requires more thought than just the price. Any agent should be forthright in answering these questions:

  • How long have they worked with personal auto insurance coverage?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Do they review policy coverages at every renewal?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Did they already check your driving record and credit reports?
  • What insurance companies do they work with?
  • Do they have any clout with companies to ensure a fair claim settlement?

After receiving answers to your satisfaction and a good coverage price, most likely you have located an insurance agency that can service your policy.

Consider every option when buying coverage

Insurance agencies are a valuable resource, but you also have the option of buying Utah car insurance from online companies direct. Certain auto insurance companies like State Farm and Allstate that are more known for using agents, also permit you to quote and buy online, so this should also be taken into consideration if the lowest rate is your goal.

If you’re anxious about choosing your own coverages when buying car insurance direct, that is normal but is not a big issue. All companies provide phone numbers and online resources to help you decide which coverages are appropriate.

Do online companies provide lower prices? Many people swear by it, but it’s difficult to answer since there are so many factors which can raise or lower premium rates. Many people think that a shopper who purchases direct saves the commission normally paid to an agent. But in most cases, advertising and marketing take a lot of money so there may not be significant savings.

Utah insurance company

Cheaper insurance is a realistic goal

Affordable auto insurance is possible online and also from your neighborhood West Jordan agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

When you buy insurance online, it’s a bad idea to buy less coverage just to save a little money. There have been many cases where an insured cut full coverage only to regret they didn’t purchase enough coverage. The proper strategy is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

More information is located on the website for the Utah Insurance Department located here. Utah consumers can read state legal mandates and laws, find out which companies have the most complaints, and view agent and company licensing information.