When trying to find a licensed insurance agent in Roy, we recommend you start your search by comparing prices online rather than looking in the yellowpages. You require a highly trained agent, but also competitive auto insurance rates.
Many car insurance agents compete for your hard-earned dollar, and because of this it can be hard to compare auto insurance agents to discover the definitive lowest rate possible.
Compare online but buy from a local Roy agent
Good agents are trained to spot inefficiencies and give you someone to call. The biggest benefit of comparing insurance prices online is that you can obtain better rates but also keep your business local.
To help locate an agent, after submitting this short form, the coverage information gets sent to local insurance agents who will battle for your coverage. You don’t have to leave your computer due to the fact that quote results will go directly to your email. Now that’s easy!
Picking an insurance agency needs to be determined by more than just the price. Agents should be asked these questions:
- Are they full-time agents?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- How many years of experience in personal lines insurance coverages do they have?
- What insurance companies do they work with?
- Is assistance available after office hours?
- How much can you save by raising your physical damage deductibles?
The difference between Roy car insurance agents
When researching a local agent, there are two different types of agents that differ in how they can insure your vehicles. Roy agents are classified as either independent or captive. While both can write coverage properly, but it’s good to learn the differences because it can influence the selection process.
Captive Insurance Agents
Captive agents can only place business with one company such as Allstate, Farmers Insurance or State Farm. They are unable to compare other company’s rates so it’s a take it or leave it situation. These agents are usually quite knowledgeable in insurance sales and that can be a competitive advantage.
The following is a short list of captive insurance agencies in Roy that can give you comparison quotes.
State Farm Insurance – 1798 W 5150 S # 102 – Roy, UT 84067 – (801) 825-7169
Independent Agents (or Brokers)
Independent agencies do not work for one specific company but rather can write business with multiple insurance companies depending on which coverage is best. 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 shopping rates, it’s a good idea to contact at least one independent agent for maximum quote selection.
After getting positive responses to any questions you have and an affordable coverage quote, you’ve probably found an insurance agency that is a good match to provide auto insurance coverage.
Online companies should be compared
Auto insurance agents are indespensible for some people, but you can also find affordable Utah auto insurance direct online. Certain companies that sell primarily through agents also give you the option to buy online. This is something to consider if finding the best price is important.
If you’re apprehensive about not getting proper coverage, don’t let it bother you. Online insurance companies that require consumers to choose their own coverages have customer service departments that you can contact for information. Consumers also can use live help and 24/7 access you can access prior to buying.
Can buying online lower your premiums? It’s hard to say exactly since there are so many components that impact your rate calculation. It’s logical to say that a shopper who purchases direct cuts out the agent as a middleman. In reality, online and traditional media advertising are expensive and this drives up their premium costs.
Do the work, save more money
People change insurance companies for any number of reasons including delays in paying claims, an unsatisfactory settlement offer, delays in responding to claim requests or even policy cancellation. It doesn’t matter what your reason, switching auto insurance companies can be easier than you think.
The cheapest auto insurance can be found on the web and also from your neighborhood Roy agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who may not provide online quoting and these small, regional companies work with independent agents.
More detailed Utah auto insurance information can be found at the Utah Insurance Department website. Visitors are able to file complaints about a company, read state legal mandates and laws, read enforcement actions against agents and companies, and find out which companies have the most complaints.
The following information may also be useful.