Utah Car Insurance

Motorists in UT, since it is a no-fault state, are required to carry both liability insurance and PIP. Each driver must possess a minimum of $25,000 per person/$65,000 per accident in bodily injury liability; $15,000 per accident in property damage coverage and $3,000 per person in personal injury protection.

Motorists in UT, since it is a no-fault state, are required to carry both liability insurance and PIP. Each driver must possess a minimum of $25,000 per person/$65,000 per accident in bodily injury liability; $15,000 per accident in property damage coverage; $3,000 per person in personal injury protection.

Do you live in Salt Lake City or Provo and in the market for a new car insurance policy? Maybe you have a home in St George and your existing policy is about to expire and it is time to renew. Or maybe you own a small business in Logan and you thinking about purchasing a service vehicle. If you are like the most of folks out there, you will probably not even think about making any changes to your current Utah car insurance company. You will probably choose to remain with your current company because you don’t like change and, after all, you’ve been with them for ten years — maybe longer. But is that using good business sense?

It is rather perplexing the way many people go out of their way searching for the best price for a new car, spend the necessary time to shop for the best interest rates when it comes to financing that car, and then give very little consideration to shopping for the best insurance.

When it comes to any consumer goods, including car insurance, it just makes good sense to spend the necessary time comparing companies. Some people will tell you all insurance companies will charge the same — but that is not true. When you put forth the necessary effort to shop around you will find insurance premiums differ substantially.

According to Insure.com who looked at the different annual average car insurance premiums of each of the 51 states, Utah ranked #40. The national average being $1,311, Utah had a mean of $1,059.

Here are a few tips others have used to help locate the best coverage for the least money.

Contact multiple agencies. When shopping for Utah car insurance coverage the first step is to call a number of agencies and provide the same details to each of them. The next step is to ask for quotes. Find out about the different discounts each of these companies offer. You may be surprised at the multiple ways you can qualify for reduced premiums. Things like being a veteran, having an accident free driving record, being a senior citizen, being a student with good grades, owning your own home, etc.

Ask for discounted rates. Many Utah car insurance agencies will also be able to tell you how you can earn additional discounts by having a car with certain safety features. Routine equipment such as air bags and anti-lock brakes may provide big discounts. A good agent will tell you about these, but be sure to ask for all the many ways you can qualify for discounts. Often combining these discounts will save you hundreds of dollars over the life of your policy.

What is the value of the vehicle you are insuring? How old is it? Should you buy collision or comprehensive insurance that may cost you an additional $40 or $50 a month? This is a question each individual must answer for themselves. It is fairly common for monthly premiums to increase between 35% to 50% when you add on comprehensive and collision coverage.

Find the right deductible for your specific needs. Deciding what is the right deductible for both your budget and your car is also important. The deductible is the amount of money you must first pay before the insurance settles the claim. Obviously, the higher the deductible, the lower the premium.

Shopping for vehicle insurance in the State of Utah, or any other state for that matter, may end up rather challenging. That is why it is so important to do your homework. If you put in the required due diligence, you will be able to find the best coverage for the lowest price.

Utah Cities:

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