Get Cheap Car Insurance In Utah
Reader’s Question:
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.
Minimum Liability Auto Insurance in Utah
Reader’s Question:
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
Can I Get Gap Auto Insurance for a Car?
Reader’s Question:
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.
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.
Your Credit Score and Utah Car Insurance Rates
Q: Will my credit score be considered when rating my Utah SR-22 policy?
A: Well, Utah SR-22 companies don’t really consider credit scores, but they do tend to look at credit reports. Car insurance companies actually come up with their own score, which is called an insurance risk score, based on the information in your credit report. In order to come up with this score, they look at information on your credit report which probably won’t affect your FICO score in the biggest way, such as whether or not you pay consistently, and not how much you owe or to how many places.
The importance of credit scoring in your Utah SR-22 premium will depend on the company. Several companies have done studies which give the information that people who have a bad credit history are statistically more likely to file claims, and the inverse is true for people with good credit history. However, some companies do their own studies, so if they find this has a smaller effect, then you won’t see it as such a big deal in your rating scheme.
Using credit reports to rate insurance has been controversial, with many saying the practice is discriminatory. However, it’s here for now, so one of the best ways to get cheap Utah SR-22 is to improve your credit history.
Do I Need to Get Car Insurance for an Older Car?
Q: Am I required to keep West Jordan SR22 insurance on an older car?
A: If you are required to have Wes Jordan SR22 insurance at all, then you are required to have it no matter what kind of car you have, even if you don’t have a car at all. If you want to keep a hold on your driver’s license, then you have to have an SR22 on file with your DMV every month until the end of the three year filing period.
If you feel you are wasting money on your premiums for your West Jordan SR22, then you should consider whether or not driving is something necessary to you. If the answer is no, then think about letting your car insurance not renew and keep your license suspended until the end of the three years.
If the answer is yes, then you can try other ways of lowering your premium rates. Cut the coverage on your West Jordan SR22 policy down to just the minimum liability required by Utah car insurance law, and if you think it’s safe, you can cut down the limits of that liability coverage as well. Cutting your coverage will save you hundreds, and you can pocket a few more bucks by paying all at once.
