Selecting a car insurance company in Layton, Utah can be time consuming since you have many choices and picking a good Utah insurance agent takes more work than just calling the closest agent. We’re assuming you’re wanting a professional licensed agent, but you also want to find the best rates possible.
With Allstate, Farmers, State Farm and many independent agents all competing for business in Layton, it’s difficult to determine which one will provide the best rates, service and coverage. To help decide, consumers can get online price quotes to build a list of insurance agents and price estimates.
Quote online, buy local
Agents can answer important questions and give you peace of mind. One of the best bonuses of price shopping on the web is you can get the lowest rates and still have an agent to talk to. And providing support for local insurance agencies is especially important in Layton.
For easy comparison, once you complete this form (opens in new window), the quote information is emailed to local insurance agents who will compete for your insurance coverage. You don’t have to even leave your home as quotes are delivered immediately to your email address. Now that’s easy!
The difference between Layton insurance agencies
If you’re trying to find local Layton agents, you must know there are a couple different agency structures from which to choose. Layton agents are classified as either independent (non-captive) or captive. Either one can properly insure your vehicles, but it’s good to learn the difference between them because it can impact buying decisions.
Independent Agencies or Brokers
Independent agencies do not work for one specific company so they can insure your vehicles with any number of 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 and you don’t have to find a new agent.
When comparison shopping, it’s a good idea to contact at least one independent agent for maximum quote selection. Many write coverage with smaller regional carriers who may have lower rates.
The following is a short list of independent insurance agencies in Layton willing to provide price quotes.
- Erekson Agency – 920 Heritage Park Blvd # 110 – Layton, UT 84041 – (801) 951-1951
- Garner Insurance Concepts – 506 S Main St # 303 – Layton, UT 84041 – (801) 547-9222
- Travis Ehrhart Insurance – 2704 N Hill Field Rd # C – Layton, UT 84041 – (801) 776-3377
Captive agencies write business for a single company and examples are Allstate, AAA, Liberty Mutual and State Farm. These agents are unable to compare other company’s rates so they are skilled at selling on more than just price. Captive agencies receive extensive training in insurance sales which helps them compete with independent agents. Some consumers prefer to choose to use a captive agent primarily because of the prominence of the brand and solid financial strength.
Below is a short list of captive agents in Layton who can help you get price quotes.
- Farm Bureau Insurance – 1992 W Antelope Dr # 100 – Layton, UT 84041 – (801) 825-4081
- Allstate Insurance – 1095 N Main St # 1 – Layton, UT 84041 – (801) 544-4884
- Farmers Insurance Group – 2525 N Hillfield Rd – Layton, UT 84041 – (801) 779-9688
- American Family Insurance – 1645 E Highway 193 # 105 – Layton, UT 84040 – (801) 771-1260
For a full directory of captive agents in Layton, visit this site.
Picking a car insurance agent requires more thought than just a cheap price. These are valid questions to ask:
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- How long has their agency been in business in Layton?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Can they give you a list of client referrals?
- Are they able to influence company decisions when a claim is filed?
- How much can you save by raising your physical damage deductibles?
Once you have received positive responses to your questions and locked in a price quote, you have narrowed it down to a car insurance agent that meets your needs to insure your vehicles.
Is buying direct online an option?
Local insurance agents are important to many people, but Utah car insurance can also be bought from online companies direct. A few companies who sell through the agent channel also give you the ability to buy a policy online, and online price comparisons are easy if you don’t want to take the time to contact agents.
If you’re uncomfortable with not having an agent to talk to, this really isn’t an issue. Online companies that require consumers to choose their own coverages provide options to walk you through the process.
If you’re not set on any one company, the best way to find out whether prices are lower online or from agents is to make apples-to-apples comparisons of both. You may actually get a different price from exactly the same company when they compare quotes from both.
Do customers save by switching to an online company? It’s hard to say exactly because there are many factors that determine your policy premium. It’s a common assumption that purchasing direct online saves money because there is no commission. For most companies selling online, however, online and traditional media advertising are expensive and that impacts the rates consumers pay.
More information is located on the Utah Insurance Department website located here. Visitors are able to read state legal mandates and laws, learn about insurance regulations, and file complaints about an insurance agent or broker.
Other related articles:
- Free Guide to Saving Money on Layton, UT Auto Insurance Online
- Tips to Finding the Best Car Insurance Provider in Clayton
Best coverage at the best price
As you shop your coverage around, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed physical damage coverage and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to find the BEST coverage at an affordable rate while not skimping on critical coverages.
Drivers who switch companies do it for many reasons like being labeled a high risk driver, delays in responding to claim requests, lack of trust in their agent or even unfair underwriting practices. Whatever your reason, finding a new car insurance company is pretty simple and you could end up saving a buck or two.