With the competitive nature of the car insurance market, finding the right Utah car insurance can seem overwhelming.
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How much Utah car insurance should I buy?
The State of Utah requires every motorist to purchase liability coverage in the amounts of 25/50/15.
Broken down, 25/50/25 simply equates to:
Keep in mind that these amounts are the minimum requirements for the State of Utah. Liability coverage does not pay for damage to your vehicle and these limits may not be enough to cover any legal fees or damages for which you are responsible after an accident.
What other forms of Utah car insurance are available?
In addition to liability, collision and comprehensive coverage may be added to your Utah car insurance policy:
Collision Coverage—pays for damage to your car if it collides with another car or object, or it if overturns. Collision coverage might be required by your lender if you have a loan on the car.
Comprehensive Coverage—pays for damage to your vehicle if it is damaged by something other than another car, such as flood, fire or vandalism. Comprehensive coverage may also be required by a lender.
If you choose not to purchase collision coverage with your Utah car insurance, you have the option to buy uninsured motorist coverage, which would pay for damage to your car if you are hit by an uninsured motorist.
Can my Utah car insurance policy be cancelled?
Yes; if you fail to pay the premiums for your Utah car insurance, your policy may be cancelled. If your Utah car insurance is cancelled for nonpayment, the insurance company must give you a 10-day written notice before the expiration of your policy.
If your Utah car insurance policy is cancelled for any other reason, you must receive a 30-day written notice before the expiration of your policy.
How can I save money on Utah car insurance?
The Utah Insurance Department recommends the following tips to save money on Utah car insurance:
Maintain a Clean Driving Record—individuals with clean driving records generally have lower premiums than individuals with blemished records.
Ask about Discounts—ask about insurance discounts for:
- Insuring two or more cars with the same Utah car insurance company
- Completing a driver's safety course
- Safety and anti-theft devices in your vehicle
- Good student drivers under 25
Raise the Deductible—raising the deductible may lower the premium for your Utah car insurance. If you raise the deductible, make sure you will be able to afford it if the time comes.
Shop Around—Using our free referral service will enable you to compare Utah car insurance companies without the hassle of making multiple phone calls.
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