Saving Money on Car Insurance

Last year, we got rid of an aging car and bought a new one. Mary also bought a car and I am helping her make the payments so she can establish a good credit score. Because of these changes, my Allstate agent hiked my insurance so high that I nearly fainted. I decided that once an for all, I was going to do something about it. I studied and shopped around, but all the major insurance companies kept giving me astronomical quotes, even the caveman company was no good. I concluded that if the insurance company is advertising heavily, their rates will be high. Who is going to pay for the advertising fees anyway? The company or the policy holders? Obviously, the companies are passing on the advertising costs to their policy holders in the form of higher rates. So I decided to look for a company that did not advertise. I recalled hearing about a local organization called Bear River Mutual Insurance. It is not a company at all. It is a mutual, sort of like a credit union in that it is essentially owned by the policy holders. So I contacted a local agent and he quoted me a rate that was half that of Allstate! I cut my insurance payments by half! Mary had had one accident, but I negotiated with the Bear River agent and they agreed to ignore it as long as I insured my home with them as well. No problem there! They increased my coverage on my home and still gave me a lower rate than Allstate. When I called my Allstate agent to cancel all my policies, he asked why I changed. I told him how much I saved and he didn't even try to argue the point. It was as if he knew that Allstate was bilking me all these years! So, if you are trying to save money on car insurance in Utah, go with Bear River. If you are not in Utah, find a non-advertising mutual insurance organization and save a ton of money!