Loyalty discounts sound great on paper—stay with one company long enough, and they’ll reward you with lower rates. But in reality, many Utah drivers might save more by switching insurers than sticking around for a small loyalty perk.

The Salt Lake City market is competitive, and rates can vary dramatically between providers. So while your current insurer might offer a 5–10% loyalty discount, another company could beat that with a better overall rate or bundle offer. If you're evaluating your options for car insurance Salt Lake City Utah, don’t let the loyalty discount be the only factor in your decision.

Has anyone here switched insurers recently and found it was worth it?