Savings of Up to $730 on Multi-Car Insurance in Ogden, UT

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According to the U.S. Census Bureau, Ogden, UT, has a population of 87,325. The median household income here is $46,807, and the per capita income is $23,019. The average cost of auto insurance in Ogden, according to Zimlon, is $1,217. This is almost on par with the average cost of auto insurance in neighboring places such as Harrisville, West Haven, Riverdale, and Roy. Insurers companies offer various discounts to car owners to help reduce the cost of auto insurance here.

Driving Record:

Most car insurance companies offer substantial discounts to drivers who have a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years, while State Farm offers discounts for drivers who go three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

For example, post-DUI, the cost of auto insurance in Ogden, can mount up to $1,851 from $1,217. Other driving violations can prove to be very expensive as well. Some of them include driving with an expired license and using a cellphone while driving. The former leads to an increase of $820, while the latter leads to an increase of $298 in Ogden.

Multi-Car Insurance:

Car insurance companies also provide discounts to car owners who insure multiple cars with the same insurance company. However, discounts on multi-car insurance policies vary according to the make and model of the vehicle. Savings on multi-car insurance can range between $365 and $730. The cost of insuring two vehicles under a multi-car insurance policy in Ogden is $2,069. This helps in saving up to $365. The cost of insuring four vehicles under this policy is $4,138, saving up to $730.

Bundling is another standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts. 

Anti-Theft Discounts:

Car insurers across Utah offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms. 

Equipping one’s vehicles with the latest anti-theft devices will help in saving more. A passive disabling device helps in saving the most on auto insurance in Ogden, at $85. Other devices that can help improve savings are tracking devices and active disabling devices.