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Hometown Insurance Agency of Utah Blog

All You Ever Wanted to Know About Insurance

What to expect when your insurance rate shopping!

What to expect when your insurance shopping!


Shopping for insurance can be time consuming and at times frustrating but I try to my best to make it as quick and easy as possible. I usually need about 15-20 minutes of your time and a copy of your current insurance declaration pages emailed to me. Having a copy of your current coverages allows me to not only match your coverage but make sure you are properly insured as well. It's important to make sure you are covered should you have a claim to be filed.

To be honest with you there is a lot that goes into an auto insurance quote. Agents are required to obtain specific information from the insured to produce a quote. Here are just a few things that I will need to get from you when starting a quote as they are factors that influence your insurance policy premium:

  • Who will be driving your vehicle and their age(s)
  • How long has the driver(s)s had a driver's license
  • Is there a teen driver(s), was a driver's education class completed
  • How many people reside in your home
  • Past driving record for all drivers
  • Where you reside
  • How many miles and how often you drive to work/school
  • How many miles you drive per year
  • Make, Model and year of your vehicle
  • Where your vehicle is garaged
  • Was the vehicle new or used at time of purchase
  • How long have you had the vehicle
  • Your credit

It seems like a lot of personal questions but the more exact answers I have, the more exact the quote will be from the insurance company. I also ask questions that could possibly result in discounts for each customer, the more insurance discounts the better right? Also, if you'd like to look another way to lower your insurance premium you could consider increasing your deductibles from $100 to $500 or from $500 to $1,000.

If you live in Utah and are interested in an auto insurance quote, please give me a call. I'd be happy to answer any questions you may have as well.

Hometown Insurance Agency of Utah located in Logan, Utah (Cache Valley) and prides itself in helping others, not only save money on their home, auto, and other types of insurance but to also make sure you are properly covered and have answers to your questions. We want to make sure you are protected should something happen and that you understand your insurance policies and what they include. Hometown Insurance Agency of Utah is about insuring what matters! 

We care about you and we care about our community. We are members of the Cache Chamber of Commerce and we volunteer as Ambassadors for the Cache Chamber Commerce, The Center for Entrepreneurship and the Jon M. Huntsman School of Business/Utah State University, we sponsor many community events (Nibley, Richmond, Smithfield, Hyrum) where we have free games and prizes, we hand out candy in local parades in Nibley, Utah and Hyrum, Utah. We love being part of our Cache Valley Community!

Take a minute, give us a call and we will shop all our providers for you and at the very least you will have a second opinion to consider.

If you have insurance questions, need a review of your current insurance policies or would like a free insurance quote, please contact us at 435-754-7701! We are your hometown raised, hometown trusted, hometown insurance agency. We are Hometown Insurance Agency of Utah.

180 North Main Ste C

Logan, UT 84321

435-754-7701

Email: jill [at] hometowninsr [dot] com

Website: www.hometowninsr.com



** not liable for any misinterpretation of coverage or law