Where should I go to get cheap car insurance in Utah? I tried my local agent but I didn’t have much luck. Thanks

Mary

Salt Lake City, Utah

Hi Mary,

The local shopping mall may be the easiest place to look for car insurance but it is rarely the most competitive place to shop. Rarely will you find a selection of insurers and agents to choose from, plus most outlets in a shopping mall have high leases to cover and this means higher prices.

The best way to get cheap car insurance in Utah is to use the internet. This will provide you with details of many agents and insurers that will provide you quotes. It may take some time to go through your details with each agent and insurer but by approaching many providers you are more likely to get a cheaper quote.

If this isn’t appealing then you could listen out for insurance adverts on the TV and radio. Try to all at least five this is the only way to get cheap car insurance. If you approach just one you have nothing to bargain with. For example, by getting just two quotes you may be able to get the more expensive to lower their price or match the other quote. Increase this to five and your quotes should start to get more competitive.
Ask for discounts, you never know what you might be able to get and how much you can save by asking. Some popular discounts can be given for:

1. Military personnel

2. Good grade students

3. Union membership and bank member affiliations

4. Safe drivers with no claims in last 7 years

5. Defensive driving school attendance

6. Clean credit history – used by many carriers to determine payment risk

Also talk to friends and work colleagues; they may be able to recommend a good insurer or agent if they have already been through the above process.

I am planning to get auto insurance for my car. I am only looking to get the minimum liability insurance in Utah. How much do I get?

Helena

Salt Lake City UT

In Utah, all drivers must carry proof of car insurance and present it to any police officer upon request.

In Utah the required liability limits is 25/50/15. This means you need to get bodily injury liability limits of $25,000 per person up to $50,000 per accident and $15,000 per accident for property damage.

The no-fault law of Utah also requires drivers to purchase a minimum of $3,000 in personal protection injury (PIP). This type of coverage pays for your medical expenses in case of an accident.

If you want protection against damages caused to you and your passengers by an uninsured motorist you can get the minimum limits of Uninsured/Underinsured Motorist coverage of $25,000 per person up to $50,000 per accident for any bodily injury caused by an uninsured motorist. Hope this helps with your search for auto insurance in Utah!

Dave

Are all insurance companies in Taylorsville, Utah uses credit score to determine your Utah auto insurance quotes?

Wood

Taylorsville, UT

Not all insurance companies check credit score when an individual buys car insurance so you may be able to find one in Taylorsville UT that would not check your credit record as part of their rating process.

The best thing that you can do is to shop around for car insurance quote. You may find an insurer that does not check or you might find that using credit score, as a rating factor will still provide you a competitive rate.

When you are applying for auto insurance you may ask the agent or insurance carrier about whether and how credit score will be used in the rating and underwriting process. There is a good chance your current insurance carrier will be looking at your credit information as one part of the total rating factors that are examined when calculating rates.

Can I obtain gap insurance in Provo if I had bought my vehicle 6 months ago? I live in Provo, UT.

David

Provo, UT

Yes, normally you can still buy GAP insurance for a motor vehicle in Provo even though it has been 6 months since you have bought it. You can buy GAP insurance at anytime as long as the GAP policy requirements are met.

During the early years of your vehicle’s life GAP insurance can provide valuable protection. If a covered loss happens (total loss in a collision, theft, etc.), GAP insurance will pay for the difference between the actual cash value (ACV) of the car and the current outstanding balance on your lease or loan.

I have a suspended license in Utah, can I still apply for a Nevada drivers license?

Emily

Thank you for asking Emily.

The answer is no. It is not possible to get a driver’s license in Nevada if you have a suspended license in Utah.

According to the Nevada Department of Motor Vehicles no state may issue a license to any individuals if there is an active suspension or revocation in any other state. License suspension and revocation information is reported with all 50 states. If your suspension or revocation originated in another state, you must abide that state’s reinstatement procedures before you can get your license active.

A suspension or revocation must be cleared first by the state which originated it. You need to take care of the suspended license first before you can apply one in another state. Also according to the DMV site there is no time limit or statute of limitations on how long an active suspension or revocation remains listed and in effect.

When you have cleared up your suspension in Utah and have had that driver’s license reinstated you may be able to apply now for Nevada drivers license.

Goodluck!

MariCAR

What is the minimum coverage required in of Salt Lake City, Utah?

Carmelia

Thank you for asking Carmelia.

In Utah, the law requires liability limits of 25/50/15. These numbers stand for

$25,000 per person for bodily injury

$50,000 per accident for bodily injury

$15,000 per accident for property.

The no-fault law of Utah also requires drivers to purchase a minimum of $3,000 in personal protection injury (PIP). This coverage basically pays for your medical expenses in case of an accident.

Utah state law also requires a minimum Uninsured/Underinsured Motorist coverage. The amount of $25,000 per person up to $50,000 per accident for any bodily injury caused by an uninsured driver. This will protect you against damages caused to you and your passengers by an uninsured driver.

Goodluck!

MariCAR

I just want to know for how long do I have to carry the sr22. I live in Utah. What is the Utah auto insurance requirement?

Jeff

Thank you for asking Jeff.

In Utah, it actually depend upon the reason for the SR-22 to be required to an individual that determines the length that you must carry the SR22.

The UT Department of Motor Vehicle site states that if you were found operating a vehicle without insurance the law requires the Department of Public Safety (DPS) to maintain proof of the person’s owner’s or operator’s financial responsibility for a three-year period and the insurance company must inform DPS if the insurance policy is terminated or cancelled. If an individual who has been cited under this law cancels his or her insurance policy, the individual must surrender his or her driver license to DPS.

This proof of financial responsibility certificate must be maintained for three years following the date of the suspension or revocation or, in the case of an unsatisfied judgment, three years from the date of reinstatement. Most of the time, people choose to purchase an sr22 to meet the states liability requirement.

You may get more information on financial responsibility by calling the Financial Responsibility Section, Driver License Division at phone number (801) 965-4393.

Goodluck!

MariCAR