Auto insurance is a contract between you and your insurance company. You pay a premium, and in return, your insurance company agrees to pay for certain losses that occur during the term of the policy. This agreement also provides other coverage which may supplement this basic level of protection. In Utah, an auto insurance policy must provide uninsured motorist coverage up to the limits of liability you have selected.
Drivers With a DUI in Utah
If you are convicted of driving under the influence (DUI) within 7 years, your insurance may be canceled or rated as high risk. If an insurer cancels your policy, for this reason, they must notify you at least 30 days prior to cancellation and refund you any unearned premium after subtracting the administrative fee.
Uninsured/Underinsured Motorist Coverage in Utah
The state of Utah requires your liability policy to include uninsured motorist coverage with limits that are equal to your bodily injury liability coverage. This is not optional but is required by law. Your insurer must offer underinsured motorist coverage in accordance with the limits you select.
You must purchase underinsured motorist coverage if your insurer offers it, and this is optional for drivers who are 55 years of age or older. This insurance will help pay for injuries that are sustained by passengers in your vehicle or other individuals involved in an accident where the at-fault driver does not have enough insurance coverage to pay for the injuries.
Drivers With Tickets in Utah
If you are convicted of any moving violation, your insurer may increase your rates. If you receive three moving violations over a 12-month period, an insurer can cancel your policy after providing reasonable notice (at least 30 days), or can refuse to renew your policy.
Drivers With Bad Credit in Utah
For most states, drivers with poor credit are eligible for high-risk auto insurance policies. However, some insurers may not cover drivers with bad credit or low credit scores. Drivers who have less than perfect credit should shop around to find the best car insurance rates offered by an insurer that will provide coverage.
Cheapest Car Insurance in Utah
Premiums are the amounts you pay to your insurer in exchange for auto coverage. The best way to find an affordable Utah car insurance quote is by comparing rates from several different companies, and the easiest way to do this is online.
Full Coverage in Utah
A full-coverage policy provides all of the mandatory coverages described above plus comprehensive and collision coverage. This type of policy is optional in Utah, but the majority of drivers choose to purchase full coverage.
Best Car Insurance Companies
The best car insurance companies are those that offer quality customer service, affordable premiums, and a variety of policies to choose from. It is also important that insurers answer all questions in a timely manner and follow through on claims fairly.
Compare Utah Quotes Online
By comparing rates online you can quickly compare auto insurance quotes from several different providers in your area, making it easy to shop for affordable Utah car insurance.
Average Cost of Car Insurance
The average cost of auto insurance in Utah is $934 per year, but premiums vary considerably depending on where you live and who your insurer is.
Drivers With Tickets in Utah
A driver who has had more than two moving violations in the last 36 months is considered a high risk to an insurer and will be required to pay higher premiums.
Drivers With Bad Credit in Utah
Driver’s with poor credit or limited driving history typically see their rates increase, but there are a variety of companies that will work with these drivers to get a policy in place at a reasonable price.
Seniors in Utah
Utah state law requires insurers to offer special rates for seniors, but this varies from company to company and some insurers choose not to offer this kind of discount. If you’re 55 or older, it’s important to compare rates from several different Utah car insurance companies.
Student Drivers in Utah
If you are a student driver who is new to the road, finding an insurer can be difficult. Most of what you will find online are multi-vehicle policies that do not include individual coverage for your vehicle and driving record. You should work with an independent agent to get quotes for you and your family individually. An agent will also be able to explain the coverage limits offered by different companies, which can help you save money on your Utah car insurance policy.
Military Drivers in Utah
Active duty military personnel are required to maintain auto insurance that meets or exceeds state minimums when they return home but may be able to purchase a military discount from their insurer.
Car Insurance in Utah
In most cases, buying auto insurance is as simple as visiting your local agent and choosing from the options they have available. In order to get the best rates, you should compare quotes from several different insurers using an online quote provider or through an independent agent before deciding on a Utah car insurance company.
Conclusion
Finding the cheapest car insurance in Utah for your specific needs can be a difficult task to tackle. We know that you have many options and it may seem overwhelming, but we hope this guide has helped you narrow down your search! Good luck with finding the best policy at an affordable rate!
