Whether you are an engineer at the Rocky Mountain Raceway, a teacher at East Hollywood High School, or the owner of a restaurant in Valley Fair Mall, you crave a more systematic way to collect and sort through quotes. Truth be told, the process can get quite complicated. Tips, strategies, and warnings abound online, and this glut of information may leave you feeling paralyzed. After all, you are already well aware of all the dangers that could potentially befall you -- from an unpleasant encounter with a DUI driver on the SR-201 to food poisoning at the E Center to lightning striking you as you take a stroke on the Stonebridge Golf Course.
But what kind of insurance should you get, how can you avoid locking into needless/excessive coverage? Moreover, what tactics can you use to get your rates down and keep them down? This short essay obviously can't give you all of the answers, but it can get you thinking in a smart direction, so you can quickly consolidate the best West Valley City quotes out there for you.
A More Efficient Way to Source West Valley City Insurance -- Auto and Beyond
Let's walk through one example of how to optimize a policy by exploring statistics, tricks, and traps associated with auto insurance shopping. According to the National Association of Insurance Commissioners, in 2007, Utah drivers paid just $697 on average for their premiums -- nearly $100 less than what the average US driver paid ($795). Looking at the numbers closely, we see that Utah drivers paid $419 for liability, $265 for collision, and $115 for comprehensive. Only 8% of Salt Lake City area drivers lacked insurance in 2007. Your minimum requirements, as of early 2010, included bodily injury and property damage liability protection. (You needed $25,000 bodily injury per person, $65,000 bodily injury per accident, and $15,000 property damage liability). On top of all this, you needed personal injury protection (PIP).
Consider bumping these numbers up significantly from their minimums -- better numbers might be $100,000 bodily injury per person, $300,000 bodily injury per accident, and $50,000 property damage. On top of that, throw in underinsured/uninsured motorist coverage just to be on the safe side. After all, if you don't have enough protection, you could wind up footing quite a steep bill in the event that you cause or contribute to an injury accident.
Okay, so how do these statistics relate specifically to your concerns? You are obviously not the average driver. Dynamic factors will regularly alter your insurance calculus. These include your credit rating, the kind of car you drive, your accident record, your age, whether or not you can insure your car and home on the same policy, whether you qualify for discounts (such as senior or low mileage discounts), and what kind of deductible you choose. All that said, irrespective of your starting point (what your West Valley City insurance quotes will be if you search right now), you can take quick and active steps to improve your chances of better rates. For instance, if you own a crummy '91 Toyota Tercel that you use only for driving to a shooting range, and you don't really care what happens to that car, opt out of collision and comprehensive to save.
Talk to an insurance agent to see what other possible hidden discounts and savings opportunities await you. And perhaps most importantly, set a calendar item to remind you to reassess your West Valley City insurance options on at least a yearly basis -- sooner, if you pass a significant milestone in your life (e.g. get married, buy a new home).
You can use the principles and thinking outlined above to evaluate other kinds of West Valley City insurance quotes (e.g. homeowners, renters, business, health). The key is to get good information, to envision your best case coverage scenarios, to solicit excellent information from diverse sources, and to discuss your needs with a qualified person.
Exploring West Valley City Insurance Quotes
To the last point discussed above, NetQuote can help you shave significant time off of your research. Normally, to get West Valley City insurance quotes, you would have to go around to multiple insurer websites filling out questionnaires (each of which can run to around 110 questions). Thus, to get five quotes, you would need to answer around 550 questions. Ouch. With NetQuote, however, you answer one short form (it should only take you a few minutes), and you get back at least five -- maybe more -- quotes from name brand insurers to cross compare and potentially act upon right now.