Ogden Valley Auto Insurance Agent

Looking for an auto insurance agent in Ogden Valley? Or really all of Utah for that matter. Look no further.

I’m a licensed insurance agent in Utah with over 15 years of experience with auto, health, life and business insurance. If you have any insurance question, I’ll have an answer for you.

I can meet in person to answer and questions, talk by phone or even by email. Whatever you feel more comfortable with.

Interested in working with me? Contact me Jorn@utappr.com

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Finding Who Has the Cheapest Auto Insurance is Exhausting

Who do you think has the cheapest car insurance?

My family and I recently relocated to a small town in the southern states. We originally lived in a large city and utilized public transportation. We now have been charged with the task of purchasing two new vehicles because public transportation isn’t always an option in small towns. Therefore, we’re getting new cars, yaay! Maybe not yaay, but it should be interesting and exciting all at once. We definitely have to find out who has the cheapest car insurance because we need to insure both cars as soon as possible.

We made the decision to relocate when our last child moved out and started college. We always wanted to move down south, but doing so would disrupt the lives of our children, and we wanted the process to be comfortable for everyone. We are actually closer to her college than we were when we lived up north and that should be nice. I lived in the south for many years when I was younger, but my wife has lived up north all her life. She looks forward to the change. We both took advantage of early retirement and are planning on traveling a little and starting our own web developing company. It’s something we’ve both wanted for many years and are excited to start this journey together.

The transition has been smooth thus far, but we are still trying to find out who has the cheapest auto insurance. Our two cars, along with the car our college student has will all be covered in the policy. The quotes I’ve received have been fair at best but I’m searching for the wow factor. I know it’s out there and if I’m persistent, I will find rates that are affordable. I’m guessing we will be completely settled within the next month, but my kids are worried that they won’t see us as much as they would like. We are sure it will all work out just fine and look forward to the time together. For now, we are getting acquainted with our new home and learning more about the city and we look forward to our friends and family visiting.

UPDATE! Found a great site to compare rates: http://www.whohasthecheapestautoinsurance.com/

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Taking Out A Title Loan Is Bad Karma

— We deal with a lot of clients who’ve taken out title loans —

Our intern Jenny, want’s to share her story about title loans:

Did you know that there’s a whole list of reasons on the internet as to what is a bad reason to take out a title loan?

Well, there is. And on that list is literally every reason that could ever lead you to take out a title loan. All of them. What that should have told me is that, basically, all of the title loan companies near me are bad news. And the ones not near me are pretty awful too.

But I really really wanted a new computer. I would say needed a new computer, but I’m trying this new thing where I learn the difference between ‘wants’ and ‘needs’ like a sensible adult.

Anyway, I really wanted a new laptop. My previous one had barely made it through printing off my 64-page research paper a page and a half at a time. With breaks in between for it to overheat and shut off. And I feared it was nearing the end of its life.

Being the poor student that I was, I had zero money to spend on a new computer. So the following dilemma ensued: either don’t put myself into more debt and spend my last assignment-free week of university nursing my hangovers with water, sleep and silence. Or I could put my car on the line so that I could spend my last assignment-free week of university nursing my hangovers with water, and a ‘Friends’ marathon. (Yes, I have already seen every episode approximately 342 times, but it just makes me feel better OK?).

No surprises, loan won out. I got my new laptop, and the next day I happily skipped back to my apartment to watch Ross tell Rachel they were on a break for the 343rd time. Only to find. Someone had broken into my apartment and stolen my brand new computer! The one I took out a loan for and didn’t hold any insurance for!

When people tell you title loan companies are the work of the devil. Pay Attention! I highly recommend comparing loan companies near you before you get a loan! Like for example here: http://www.financeflamingo.com/

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What I Look For in Car Insurance – for the layman

There are loads and loads of things to think of when you’re buying car insurance. From full coverage insurance to the bare minimum. What you need depends on your car and how you use it.

I have an old car with a tiny engine that barely runs. And when I buy car insurance, I do it the classy way. I Google ‘very cheap car insurance, no deposit’. And I sit back and wait for the cheapest quote to come rolling in.

Essentially I need my insurance to cover the things that are likely to happen to me on the roads.

Will it cover me if I hit another car?

I mean any insurance will probably cover at least part of the damage caused by a collision. Even if it’s not the damage done to your car. But it’s still important.

Will it cover me if I drive into an inanimate object?

This is surprisingly likely in my case. Walls, lamp posts, trees. You name it, I’ve probably hit it with my car. It’s more important than you’d think that my insurance will help me out with this one.

Will it cover me if my car is vandalized?

I always park in the most unsafe place I can find. Not because I enjoy the adrenaline rush that comes from surviving the walk back to my car, but because those are usually the places that are free. And as we have established. I don’t like spending money, so I need to know that if someone damages my car, I’ll be able to claim.

Will it cover me if my car is stolen?

Another risk when parking in dodgy alleyways is that, not only can your car be damaged, but also stolen. I always check that my insurance will cover me for theft. So I can park wherever the hell I want and not worry that I’ll be completely screwed if my vehicle goes missing.

I always compare as many insurance companies as I can when buying auto insurance for myself, or clients. Since one thing I learned being in this industry for this long is: Who has the cheapest auto insurance is a matter of luck, so compare: http://www.autoinsurancemonkey.com/who-has-the-cheapest-auto-insurance/

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