Things to Consider when Shopping for Auto Insurance Auto insurance in Provo, Utah can be a tricky thing to shop for. Utah has a lot of laws regarding

insurance—especially car insurance, and all of the different policies can be hard to figure out

sometimes. Not only that, but when you are shopping around for a car, you might not know how much

to budget for your insurance payment each month. Below are a few helpful tips that will help you in

your hunt for auto insurance, whether you are looking for the first time or the hundredth.

Price This seems like an obvious part of the equation, but sometimes it can be

overlooked, especially for younger drivers. All too often, an eighteen or

nineteen year old will be find just the car—the one they’ve always

dreamed of. The payments are high, but they can make it. But then they

remember: they have to find insurance and pay for it somehow. Even for

people on very tight budgets, this can be a major concern. Be sure to leave

enough wiggle room in your car budget that you can realistically pay for a reasonable insurance policy.

Add-ons Add-ons can give your car personality, but may not add all that much when it comes to your insurance

policy. One example that is frequently pointed to is that of alloy wheels. You might invest in alloy wheels

to upgrade and add style to your car, but they might only add $30 to the value of the car from an

insurance viewpoint. If those wheels cost $1,000, that is certainly not a good investment. It would be far

better to save that money and invest it someplace else, as you won’t recoup that if your car is totaled or

stolen.

Color and Type We’ve all heard it. People who drive red cars get more tickets. People who

drive sports cars get more tickets. So besides not driving a red sports car,

what lesson can we learn? Because of this, people who drive sports cars

tend to have higher insurance rates. A general rule of thumb is that the

bigger the engine in a car is, the more it will cost to insure. So even though that hot new sports car looks

appealing, it’s worth remembering that it’ll cost you more each month in more than just your P&I

payments. In order to control your insurance costs when buying a car, keep this in mind.

The final thing that you should keep in mind is that you need to drive safely. More than anything else, a

long record of safe driving is the thing that will keep your insurance costs low. While all these things will

change your monthly cost or your benefits, none will be able to help you control your costs like safe

driving will. Tickets and accidents will drive your auto insurance in Provo, Utah through the proverbial

roof. So be careful. Buckle up, and make sure that you’re safe out there so you can keep your wallet

happy.

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