I used Neil Dastrup in Provo, been going through them for the last 6 years. She asked a few questions that surprisingly lowered the quote as well, such as my highest level of education, between me having a college degree, and my wife attending at least some college, it dropped the price from $140 to $124 per month. Also have zero accidents or claims in the last 5 years, so that helps too I'm sure.I like to stay with one company as long as I can and build a relationship, but after a couple years of steady rate hikes Allstate was making it clear that they weren't interested anymore. We went to a couple different agents to get a range of quotes, State Farm and Progressive came in the lowest. The interwebs tell me State Farm generally gets better ratings for customer service, so that's where we went.
And yeah, definitely go see an agent. When we tried to get a quote directly it wasn't much better than what Allstate was already charging us. Going through an agent we've more than cut our insurance bill in half.
Oh god... that just made me realize I have 13 years until my oldest son starts to drive! I should probably start an investment account now just for the kids insurance...adding a second teenage male driver.
That's one of the ways my mom kept her insurance affordable when she had 4 teenagers driving. Every car was insured with her as the "Primary driver."Utah state law only requires that you insure the car. If you don't have a requirement with your policy to ensure all drivers, you can save a lot of money. I tested this with my daughter. She was driving my insured car and got into an accident with Gieco being our insurance company. They paid the claim but repeatedly advised that we add her if she was going to drive our cars. They then failed to renew our policy a few months later. That tells me there isn't a law requiring you to insure the driver and the insurance companies are happy for you not to know that.
Man this makes sense. I'm with Farmers and they "require" any driving age person to be insured for each vehicle and my rates are insane. I felt like that was a line of bullshit... I'm gonna have to give them a call and see what I can do. I have been planning to switch anyways so I figure it can't hurt.Utah state law only requires that you insure the car. If you don't have a requirement with your policy to ensure all drivers, you can save a lot of money. I tested this with my daughter. She was driving my insured car and got into an accident with Gieco being our insurance company. They paid the claim but repeatedly advised that we add her if she was going to drive our cars. They then failed to renew our policy a few months later. That tells me there isn't a law requiring you to insure the driver and the insurance companies are happy for you not to know that.
Several companies I've been with stopped doing Primary drives, including Safeco. They put everyone on all vehicles so you get the worst of all worlds.All of my teenage drivers have been the primary drivers of the same 1991 toyota. It keeps the costs lowish, not low by any means.