No, I didnt call Geico. No, I didnt cut my coverage although raising the collision and comprehensive deductible is tempting. No, I didnt have an accident or ticket go off my record. And no, I didnt get a cheaper car or drop a car from coverage. So how did I lower my car insurance premiums by over 700 dollars a year?

1. How I Saved Over
$700 on My Car
Insurance (Really)

2.  No, I didn’t call Geico. No, I didn’t cut my
coverage although raising the collision and
comprehensive deductible is tempting.
No, I didn’t have an accident or ticket go
off my record. And no, I didn’t get a
cheaper car or drop a car from coverage.
So how did I lower my car insurance
premiums by over $700 a year?
 To save this amount of money on my auto
insurance rates I did two important things:
(1) I moved; and (2) I shopped around
and compared prices.

3. In January 2012, my wife and I moved
from the Seattle area to St.
George, Utah. I figured my insurance
rates would be a bit lower as I knew Utah
generally had low auto theft rates. But I
never would have guess I could cut our
premiums nearly in half.

4. My wife and I have two cars: a 2002
Volkswagen Jetta and a 2008 Mazda3.
Before the move, I contacted our existing
insurance company, USAA, and they
quoted me a price of about $1,400 for
our new address in St. George or
approximately $200 less than what we
were paying in the Seattle area for the
two vehicles. I was pleased with this
reduction and agreed to this new policy
rate.

5. Comparing Rates
USAA is a great company that provides
competitive rates and outstanding
service. It is only available to U.S.
military members, veterans, and their
families. However, once we moved down
to St. George and got situated, I decided
it would be worthwhile to shop around
and compare insurance rates since each
state has different companies and
evaluate drivers differently.

6. I initially got a quote from AAA NCNU
insurance. Their rates were quite good.
AAA offered me a huge discount for
paying at least 6 months of the policy up
front in a lump sum. With the lump sum
payment, we were looking at a $500
savings off my USAA rates.
Woohooo!!!!!! But I was not done yet.
Could we save even more?

7. I had heard that American Family
Insurance offers good discounts and I
went to see a local St. George American
Family agent. Their rates were even
better than AAA.
Awesome! We would save nearly $730 on
our annual insurance periods compared
to what we were paying in the Seattle
area. This keeps getting better! Would
the third time be the charm? I had to try
one more time to see if we could save
even more.

8. I decided to try an insurance broker that
offered multiple companies in St. George
to cast a wider net. The agent there (she
didn’t even identify herself as an agent
until I asked her) wasn’t the most
friendly person in the world but she did
ask me several questions.

9. She asked me if I’d drank an alcoholic
beverage in the past 2 years. I answered
yes (I had sinned).
That disqualified me from receiving
coverage from Bear River Mutual. Talk
about strict! I understand being a higher
risk of getting a DUI but that is a new
one. The best quote I got from the this
agent was from Progressive, which was a
bit surprising. It was fairly competitive
with the other two quotes I had received
in St. George.

10. In the end, we decided to go with
American Family and saved over $730 a
year on our auto insurance
premiums, compared to what we were
paying in the Seattle area.
So the takeaways from this are:

11. 1. Where you live truly does have a large
impact on your auto insurance rates.
2. Always compare rates from multiple
companies and do not just trust that the
insurance company that gave you the
best deal at one residence will give you
the best deal at another.

12. Learn how to save on auto insurance
and
how to save $700 on car insurance here:
 http://www.discountcarinsurancequotes.net