Save Money On Your Utah Auto Insurance (part 2 available discounts)

Last time we discussed a way to lower your auto insurance premium by raising your deductibles. Today is part two on how to lower your Utah auto insurance bills. Each insurance company offers it's own unique discounts, I will go over some of the more common one's that are offered at most insurance companies and then I will go over some that are less common.

First a list of the more common discounts that you can find at most insurance companies:

1. Good Student Discount
2. Military Discount
3. Retired Discount
4. Multiple Policy Discount
5. Multiple Vehicle Discount

The good student discount is a discount given for full time students carrying a 3.0 GPA. Different companies do it differently but some require a 3.0 in your last semester, while others require either a cumulative 3.0 or a 3.0 in the last semester. So if your grades are struggling this semester but you still have a cumulative GPA that is 3.0 or better than you may still be eligible for the discount. Most companies will discontinue this discount when you reach the age of 25 or get married.

The military discount usually only applies to active military personnel. If you are in the military you may be able to save an additional 5-10% on your insurance.

The retired discount is a discount given to people that have reached the age of 55 and are retired. If you're retired make sure that you are getting this discount.

Most insurance companies will give you a discount for having multiple policies with them. You get this discount by insuring your home and vehicles with the the same insurer. The best part about this discount is that you may be able to receive 10% or more on both your home and auto insurance. If you have your cars insured with one company and your home insured with another you should consider combining them at the same place.

The final discount that I will write about today is the multiple vehicle discount. Most Utah auto insurance companies give you a discount for insuring more than one vehicle with them. This discount will not save you as much as the multiple policy discount but hey, saving money is saving money. If you are recently married and still have separate auto insurance policies than you should consider combining them onto one policy to get this discount.

Now a few discounts that you won't find everywhere. Some insurers in Utah will give you a discount if you work at certain places. Check with your insurance agent to see if you qualify. Other discounts apply to certain professions such as nurses, firefighters, teachers, your local Utah insurance agent can tell you if your policy is eligible. One last discount depends on how you pay your premiums. Some companies give discounts for paying everything upfront, others give discounts for having your payments automatically drafted from your checking or savings account.

The best way to determine which discounts you are eligible for is to schedule an appointment with your agent. If you take 10-15 minutes of your time to sit down with your local insurance agent he or she can help you find all of the discounts that you are eligible for. Your agent should be meeting with you at least once a year anyways and that is a good time to review the policies. If your insurance agent isn't meeting with you and helping you get the best rates then give me a call and I will help you out. 801-796-6161 or 866-796-6161