Lowest Prices from Orem Car Insurance Providers

If you’re trying to find a licensed insurance agent in Orem, we recommend you start your research by comparing prices online rather than picking up the phone. It’s likely you’re not only searching for a professional licensed agent, but you also need affordable coverage.

With companies like American Family, Allstate, State Farm and independent agents all competing for business in Orem, it’s difficult to determine which will provide you with the best service and rates. Thankfully, you can use insurance quotes online in order to build a list of insurance agents to choose from.

Quote online but still have a local agent

Insurance agents can point out coverage gaps and give you peace of mind. The biggest benefit of comparing insurance prices online is that you can obtain lower rates but also keep your business local. And supporting local agencies is especially important in Orem.

After filling out this quick form, your insurance data is emailed to local insurance agents who will compete for your business. You won’t need to even leave your home because quoted prices will be sent immediately to your email address. How cool is that?!

Best insurance agency in Orem

When looking for a good insurance agency, there are two types of insurance agents that you can select. Agents are classified as either captive or independent (non-captive). While both can write coverage properly, but it’s worth mentioning how they differ because it can impact buying decisions.

Independent Agents (or Brokers)

Independent insurance agents do not work for one specific company but rather can write business with many different companies and possibly get better coverage at lower prices. To move your coverage to a new company, the agent simply finds a different carrier without you having to go to a different agency. When comparing rates, it’s a good idea to contact several independent insurance agents for the best price selection.Many can place coverage with smaller companies which can be an advantage.

The following are Orem independent agencies willing to provide comparison quotes.

  • Sentry Insurance Co – 1156 S State St # 103 – Orem, UT 84097 – (801) 225-4523
  • Mr Insurance – 251 E 930 S – Orem, UT 84058 – (801) 375-5735
Agency Captives

This type of agents can only write with one company such as Allstate, Farmers Insurance, State Farm and AAA. These agents are unable to give you multiple price quotes so they are skilled at selling on more than just price. They are well schooled on their company’s products which helps them sell insurance even at higher premiums. Some people will only buy from captive agents primarily because of high brand loyalty and solid financial strength.

The following is a list of captive agents in Orem that can give you comparison quotes.

  • Farmers Insurance Group – 1145 S 800 E # 141 – Orem, UT 84097 – (801) 344-0099
  • Allstate Insurance – 1455 S State St # D – Orem, UT 84097 – (801) 224-7433
  • State Farm Insurance – 388 S State St – Orem, UT 84058 – (801) 224-3303
  • American Family Insurance – 344 W Center St – Orem, UT 84057 – (801) 228-9820
  • Farm Bureau Insurance – 903 S Orem Blvd # A – Orem, UT 84058 – (801) 225-8005
  • Liberty Mutual Insurance – 51 W University Pkwy – Orem, UT 84058 – (801) 371-8879

For a full directory of captive insurance agents in Orem, please view this page.

Choosing an insurance agent needs to be determined by more than just a cheap price. Any agent should have no problem answering these questions:

  • Are there any discounts that you might be missing?
  • Is working in the agency their full-time job?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Is assistance available after office hours?
  • What insurance companies do they recommend if they are an independent agent?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?

Once you have positive feedback to any questions you have and an affordable coverage quote, you have narrowed it down to a car insurance agent that will insure your vehicles.

Does buying direct online get me lower rates?

Professional insurance agents can be invaluable at times, but you also have the option of buying from online companies direct. Even companies like Allstate and State Farm who employ agents also allow consumers to get quotes and purchase online, and consumers should do that if you don’t want to take the time to contact agents.

If you’re anxious about not getting advice from an agent, that shouldn’t be an issue. Online companies all have client service departments to answer any questions you may have.

The only way to determine whether online companies or local agents have lower rates is comparing rate quotes from both. Lots of times people will get different prices from the SAME company depending on if you quote online or with their agents.

Do online companies have better rates? It’s difficult to say for sure due to the fact that there are multiple individual factors that are calculated into your premium. It’s a logical assumption that buying car insurance online saves money because there is no agent involvement. But the fact is, it’s expensive to advertise so this can offset any savings.

For more reading

More information can be found on the Utah Insurance Department website found here. Utah drivers can get help finding coverage, learn about insurance regulations, report car insurance fraud, and view a list of available companies.

The articles below may also help you learn more about car insurance in Orem

One last thing about your coverage

When you buy insurance online, never buy poor coverage just to save money. There are a lot of situations where an insured dropped full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase plenty of coverage for the lowest price.

Drivers leave their current company for any number of reasons including an unsatisfactory settlement offer, denial of a claim, high rates after DUI convictions and questionable increases in premium. It doesn’t matter why you want to switch finding the right car insurance provider is not as difficult as it may seem.