Comparing car insurance companies in Provo, UT can be challenging because you have many choices and selecting the best Provo car insurance agent for your needs takes more work than just picking up the phone. Consumers need a competent insurance agent, but also need affordable rates.
Multiple auto insurance agents compete for your business, so it can be very hard to choose a auto insurance agent and uncover the absolute best price available.
Online price comparisons from Provo agents
Good agents can answer important questions and help submit paperwork. One of the great benefits of price shopping on the web is the fact that you can find the lowest rates but also keep your business local.
Once you complete this simple form, your coverage information is immediately sent to participating agents in Provo who will compete to get your business. There is no need to drive around as quotes are delivered to the email address you provide. It doesn’t get any easier! Get lower rates and an insurance agent to talk to.
Deciding on an auto insurance agent requires more thought than just the premium amount. These questions are important to ask:
- If you have an accident, will your rates go up?
- Who is covered by the car insurance policy?
- How are claims handled?
- Do they have any clout with companies to ensure a fair claim settlement?
- If your car is totalled, how to they determine the replacement cost?
Is a captive or independent auto insurance agent right for you?
When researching an insurance agent, you must know there are a couple different agency structures to choose from. Agents can either be captive or independent (non-captive).
Captive Agents
Captive agents can only write with one company such as Allstate, Farmers Insurance, State Farm and AAA. Captives cannot give you multiple price quotes so it’s a take it or leave it situation. These agents are well schooled on the products they sell which can be an advantage. Consumers frequently buy insurance from these agents mostly because of the brand legacy and the convenience of having all coverages with one company.
The following are captive agencies in Provo who can help you get price quote information.
- American Family Insurance – 265 W 1230 N – Provo, UT 84604 – (801) 375-3135
- Farm Bureau Insurance – 110 S 500 W – Provo, UT 84601 – (801) 375-3920
- Farmers Insurance Group – 1675 N Freedom Blvd # 2b – Provo, UT 84604 – (801) 226-6100
- Allstate Insurance – 130 S 400 W – Provo, UT 84601 – (801) 375-5422
- State Farm Insurance – 310 S Freedom Blvd – Provo, UT 84601 – (801) 374-6650
Independent Insurance Agents
Independent agencies do not work for one specific company so they can insure your vehicles amongst many companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier and you won’t have to switch agencies.
When comparing rates, we recommend you get quotes from at least one independent agent to get the best comparison. They also have the ability to place coverage with different regional companies which can save you money.
Below is a short list of independent agents in Provo willing to provide comparison quotes.
- Garlitz Insurance – 1503 S 40 E # 370 – Provo, UT 84606 – (801) 426-6640
- Timp Benefits and Insurance – 4778 N 300 W # 220 – Provo, UT 84604 – (801) 426-9100
- Serg Nelson Agency – 210 W 200 N # 201 – Provo, UT 84601 – (801) 375-0420
- Aflac Agency – – Provo, UT 84601 – (801) 636-5056
- John Roylance Agency – 3226 N University Ave – Provo, UT 84604 – (801) 373-0414
To view a full list of insurance agents in Provo, click here to link.
Once you have received positive responses to any questions you have in addition to an acceptable price estimate, you’ve probably found an auto insurance agent that meets your needs to properly insure your vehicles.
Are online companies an option?
Local insurance agents are important to many people, but you can also buy Utah car insurance direct from companies that only sell online. Even companies, such as Farmers Insurance and State Farm, that sell primarily through agents also allow consumers to buy online, and online price comparisons are easy if you don’t want to take the time to contact agents.
If you’re concerned about not receiving proper advice when shopping online, that should not be a issue. Companies all provide contact methods for getting questions answered. Consumers also can use online education and live help anytime to clarify any questions you may have.
If you’re not set on any one company, the best way to find out whether online companies or local agents have lower rates is comparing rate quotes from both. It’s not unheard of to actually get different prices from agents as you do online for the exact same company. You won’t know where you can get the lowest rates unless you compare quotes for identical coverages from both ways.
Is it cheaper to buy car insurance online? That is a tough question to answer since there are so many components that impact your final bill. Some people will tell you that buying online lowers rates due to not having any agent compensation. For most online online companies, however, advertising budgets are huge and that impacts the rates consumers pay.
Consumer car insurance information in Utah
Additional detailed information is located at the Utah Insurance Department website. Utah drivers can find out which companies have the most complaints, read industry bulletins, read consumer alerts, and learn about insurance regulations.
Quote often and quote early
Insureds who switch companies do it for a number of reasons such as denial of a claim, lack of trust in their agent, policy non-renewal and even high rates after DUI convictions. Regardless of your reason for switching companies, finding a great new company is actually quite simple.
As you prepare to switch companies, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at a price you can afford while still protecting your assets.
