emmanuelUnderstanding Auto Insurance Minimum Requirements in Utah
To get the best rates on auto insurance in Utah, you need to understand the state’s minimum requirements.
Utah law requires all drivers to carry liability insurance t cover injuries and damages in an accident.
The minimum amounts are:
- $25,000 for bodily injury or death of one person
- $50,000 for bodily injury or death of two or more people
- $15,000 for property damage
Optional coverages
While liability is mandatory, you may want additional coverage. Collision and comprehensive cover damage to your own vehicle. Uninsured motorist coverage helps if an at-fault driver has no insurance. Medical payments cover injuries to you and your passengers regardless of fault.
You can also choose your deductibles. A higher deductible means lower premiums but more out of pocket costs if you have a claim. Find the right balance for your needs and budget.
Shop around
Auto insurance rates can vary significantly between companies for the same coverage. Compare quotes from multiple insurers to find the lowest price. You can also save money by bundling with homeowners or renters insurance, raising your deductibles, reducing coverage on older vehicles, and qualifying for discounts like safe driver or multi-policy.
The key is finding an insurer that offers competitive rates for your needs and situation. Do some research to determine average premiums in Utah so you’ll know if a quote seems too high. With time and patience, you can find budget-friendly coverage that gives you peace of mind behind the whee.
READ ALSO: Best Commercial Auto Insurance in Florida
Ways to Get the Cheapest Car Insurance Quotes in Utah
To find the most affordable auto insurance in Utah, here are some tips to get the cheapest car insurance quotes:
1. Compare Quotes From Multiple Companies
Don’t just go with the first insurance company you find. Compare quotes from at least 3-5 top companies like Geico, Progressive, State Farm, Liberty Mutual and Farmers.
Each company uses different factors to calculate your premiums, so rates can vary significantly between providers.
2. Check Discounts You May Qualify For
See if you can get lower premiums through discounts like safe driver, student, military, bundling with homeowners insurance, etc. For example, bundling your auto with homeowners or renters insurance can save up to 20% on both policies. Ask about any discounts you think you may be eligible for.
3. Increase Your Deductibles
The higher your deductibles, the lower your premiums. Increasing your deductibles by just $500 can lower your rates by up to 30% with some companies. Only choose deductibles you can afford in case of a claim.
4. Improve Your Credit Score
In Utah, your credit score affects your auto insurance rates. Work on improving your score by paying bills on time and limiting new credit applications. A good score can qualify you for the best rates.
5. Drop Unnecessary Coverage
Consider dropping collision and comprehensive coverage on older vehicles. The premiums may cost more than the vehicle is worth. Only carry liability coverage at a minimum. But for new cars, keep full coverage.
6. Ask About Discounts for Low Mileage or Usage-Based Insurance
If you drive fewer than 7,500 miles per year, you may qualify for a low-mileage discount. Usage-based or telematics programs from some insurers like Progressive and State Farm can also offer discounts for safe driving habits. Ask your insurance agent about available programs and potential savings.
READ ALSO:
Best Auto Insurance Providers in Utah for Affordable Coverage
When looking for affordable auto insurance in Utah, check out these top providers:
1. Geico
Geico is one of the largest auto insurers in Utah and the U.S. They are known for offering competitive rates and various discounts like safe driver, anti-theft device, and bundling with homeowners or renters insurance. Geico has an easy quoting process on their website or mobile app and local agents to help you with claims.
2. State Farm
State Farm is another major player for Utah auto insurance. They provide standard coverage plus extras like roadside assistance, rental car reimbursement, and accident forgiveness. State Farm offers many ways to lower your premium, such as safe driver, student, anti-theft, and bundling discounts. Get a free quote from a local State Farm agent or on their website.
Progressive
Progressive writes over $30 billion in auto insurance premiums each year across the country and in Utah. They are an affordable option for minimum liability coverage or full coverage.
You can get quotes and buy a policy on their website in minutes. Progressive offers competitive rates, especially if you have a good driving record.
Esurance
Esurance is an online auto insurance provider that offers cheap car insurance quotes in Utah. They have innovative tools to help determine your rate like DriveSense, which tracks your driving to potentially lower your premium. Esurance also has useful mobile apps to manage your policy, get roadside help, and file claims. They frequently run promotions offering discounted rates for new customers.
Liberty Mutual
Liberty Mutual has been providing auto insurance for over 100 years. They offer standard coverage as well as accident forgiveness, new car replacement, and better car replacement. Liberty Mutual has discounts for bundling with home insurance, anti-theft devices, students, and safe drivers. Get a free quote on their website or through a local Utah agent.
emmanuel
