Things to Consider When Shopping for Auto Insurance

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  1. 1. 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 insuranceespecially 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 carthe one theyve 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 wont recoup that if your car is totaled or stolen.Color and Type Weve 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, its worth remembering that itll 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 youre safe out there so you can keep your wallet happy. photo credit: marcp_dmoz via photopin cc