Utah Car Insurance

Utah Car Insurance: A Simple Guide to Saving and Requirements

Utah, a western State in the U.S., has made it mandatory for all drivers to carry an insurance policy. Getting cheap car insurance in Utah is not a daunting task. However, you need to know some tips in which you can use to obtain cheap insurance quotes.

The first thing you need to do is use our free insurance quotes form and visit at least 3-4 car insurance companies in Utah to compare each quotes. This way, you will have more options to choose from. After you have gone through the quotes of different auto insurance companies, you can choose the most feasible insurance policy for your needs.

Many car insurance companies in Utah offer discounts if you meet the guidelines set by them. Some of these discounts are:

1. Safe driver discounts for not being involved in an accident for three or more years.
2. Senior citizen discounts for drivers who are 55 or more.
3. Multiple policy discounts if you decide to purchase your home and auto insurance policy from the same company.
4. Good student discounts for students who score well in their exams.

If you can qualify for any of the above mentioned discounts, you will pay less on your car insurance rates.

The majority of car insurance companies in Utah value cars that have safety features. Hence, it is advised that you consider installing safety features such as front and rear crumple zones, air bags, alarm system, anti-lock braking system and GPS.

Although not all car insurance companies take note of a person's credit record when offering insurance, it is always good to have a clean credit record. By paying your bills regularly, you can convince your insurance provider that you are a trustworthy customer. And if your insurance provider values a good credit record, you can get cheap insurance rates.

A better way to obtain cheap car insurance in Utah is to opt for the minimum liability or a cheap Utah car insurance policy, also called as 25/50/15 policy. This policy requires:

• Bodily injury coverage of at least $25,000 for each person you injure in an accident.
• Bodily injury coverage of $50,000 for all overall injuries you cause.
• Property damage liability of $15,000 for the damage you cause to other people's car and property.

As Utah is a no-fault state, it also requires you to have a PIP (personal injury protection) insurance coverage to pay for your medical bills and damaged property, irrespective of who was at fault, when you are involved in an accident.

If you own a good comprehensive health insurance policy, it is advised that you opt for only a minimum PIP policy.

For more details on Utah auto insurance policies, you may contact the UT Insurance Department by visiting their website at http://www.insurance.utah.gov/.