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Utah Car Insurance Discounts

Utah auto insurance discounts offer motorists in the state a chance to save money on their car insurance premiums. Drivers wanting to take advantage of these discounts should educate themselves about them before they purchase automobile insurance or approach their current company about getting lowered premiums so they put themselves in the best position possible to save as much as possible.

Common Auto Insurance Discounts in Utah

The most common way to get a discount on your auto insurance premiums in Utah is based on your driving record. Almost all vehicle insurance companies will charge you less if you have kept your record free of tickets and moving violations for a certain amount of time. In addition, sometimes you will receive a discount if you have fewer than a certain number of claims on your Utah insurance record. Some companies will give you a greater discount the longer you go without either of these.

It's also common for UT residents to save money on their auto insurance based on particular features of their vehicle. Certain safety features, like anti-lock brakes and dual airbags, can save you money, as can driving a vehicle with a certain safety rating. In addition, anti-theft features, like LoJack device or certain kinds of car alarms, can also save you money. Check with your vehicle insurance company, because it may be worthwhile to install these features if your vehicle does not already have them.

If one or more of the people on your automobile insurance policy is a student under the age of 25, you may be eligible for a discount based on their grade point average. Check with your particular insurance company to see what the particular qualifying GPA is, because this can be a substantial discount as these younger drivers usually pay more.

Other Utah Auto Insurance Discounts

In addition to the common discounts noted above, there are other ways to save on your car insurance. Check with your insurance company about defensive driving courses, particularly for teens and older adults. Because these two groups tend to have more accidents, many companies will give you a discount if you fall into one of these categories and take a qualifying driver's education course.

You may also be able to save money if you do not do much driving. Low mileage discounts are sometimes available in Utah, though the particular mileage you must be under may vary between companies. If you don't drive much, though, this can be worth your while to check out.

Different aspects of your relationship with your auto insurance company can also save you money. Many companies will offer you a discount if you have more than one policy with them, like a homeowner's, renter's, health, or life insurance policy on top of your car insurance. While this won't save you money if you don't need the other policy, it can offer substantial savings if you would have purchased both anyway.

Having multiple cars and drivers on your policy can also help you save, as can renewing your policy year after year with the same company. Having long-term policyholders is good for the automobile insurance company, and sometimes they will reward you by offering some savings. Finally, you can often save money if you pay the whole term of your policy in full, rather than making monthly payments. If you can afford this, be sure to take advantage of it. Even a small savings will add up over time.

Sometimes, you can also save money on your car insurance based on any groups or associations you belong to. These can be professional organizations, alumni groups, organizations based on your hobbies, and more. Check with the organization to see if they have an agreement with any auto insurance companies, as they often have the most up-to-date information available.

Finally, sometimes you can receive a discount based on your profession. Members of some professions have been statistically proven to get into fewer auto accidents than members of other professions, and so a few car insurance companies will offer discounts based on this information. Generally, people working desk jobs are more likely to be able to take advantage of this sort of discount. If you feel this might apply to you, be sure to ask your auto insurance company whether this is something they offer.

Armed with knowledge of the auto insurance discounts available in Utah, drivers can save more than ever before. If you think you should be eligible for a discount but don't see it on your vehicle insurance contract and haven't talked to your automobile insurance company about it, make sure you mention it in your next conversation. You may find yourself saving more on your car insurance than ever before.


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