Buying Car Insurance in Utah
Reader’s Question:
Do I insure the vehicle or the motorist in Utah? Does every person must have car insurance or is the car insurance enough?
Dean
Provo, UT
Car insurance is needed for the vehicle but the motorist will need to show proof that there is valid insurance on the car if stopped by law enforcement officer. If you own a vehicle you insure your car but you and any other licensed household members should be listed as drivers.
If you give permission to a friend that is not a member of your household to borrow the vehicle then normally they will be covered under your car insurance, but some insurance policies have exclusions in them so it is best to check with your auto insurance provider to be certain that your friend is covered by your policy before allowing a friend to drive it.
Make sure not drive your vehicle without insurance or permit someone that would not be covered by your insurance policy to do so because if an individual is convicted in a court or found through a Department of Public Safety (DPS) administrative hearing to have been driving a car without insurance, the DMV may suspend the uninsured vehicle’s registration.
Can a Teenager Get His Own Car Insurance Policy?
Q: My teenager is on my Provo SR22 policy (I’m the one who has to have the SR22), and I was already struggling with it and she just sent my rates up even higher! Can she get her own policy?
A: It depends on how old she is. Most car insurance companies won’t allow a driver under the age of eighteen to purchase their own policy, so you may have to keep her on your Provo SR22 insurance. Even if you do have to do this, you can get discounts to make the pain of adding a teenager onto your car insurance a little less terrible.
One discount you should look into is the good suden discount. Offered to college or high school students who can demonstrate that they have either a B average or a 3.5 GPA in their courses, this is had by most companies and ranges up to twenty percent. You have to be sixteen or older to qualify for it by most companies, though.
If your daugher hasn’t taken a driver’s education course, then make sure you enroll her in one of those as well. You’ll be able to get yet another discount off your Provo SR22 insurance premium for this.
How to Get Cheap SR22 Insurance in Utah
Q: I don’t get a chance to drive much since I work right near home and am doing some exercise by riding my bike to work, but I do use my car when I need to go across town or pick up my daughter from college on holidays, so I need my SSR22 insurance. I’d just like to know if there’s a way for me to get a cheaper deal on it?
A: Since you use your car infreqently, you can choose beween two options if you want to save money. One would be to simply drop your car insurance policy alogether and allow your license to be suspended. However, this option might only work for you if you have another driver in the house or a friend who is willing to drive you around when you need it.
Another way you can go is to try to get discounts on your Salt Lake City SR22 insurance policy so you can pay less. One discount that you would definitely qualify for would be a low mileage discount. Almost every car insurance company will give you this discount, but you have to use few enough miles to qualify. Every company has its own requirements, but the most common ones are five thousand miles in a year or forty miles in a day, and not above.
