Affordable Car Insurance Auto Insurance in Utah - Compare Rates




No matter where you live in Utah, owning a car entails you to buy auto insurance. The State requires you to fulfil minimum liability requirement. If you decide not to purchase the minimum insurance then you may end up paying heavy fines and penalties.


Bodily Injury Liability

This coverage will pay for all the injuries that you caused to others involved in the accident. It will also pay for legal costs in case you are sued by a victim.

The minimum limit is $25,000 for injury/death to one person and $65,000 for injury to more than one person.

Property Damage Liability

This coverage helps you pay for the damages that you caused to the property of others. It will include repair costs involved in repairing the car, any replacement costs for replacing the valuables in the victim's car.

The minimum limit is $15,000 for any damage to property.

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The State follows Tort system and hence your insurer will pay for the damages only when you are at-fault. So if you are involved in an accident where you were not at-fault, your insurer won't pay for the damages. In that case, the at-fault driver's insurer will reimburse you. There may be a possibility that the at-fault driver is not adequately insured or has no insurance at all. This can be very excruciating situation for you. To avoid any such problems you should go for underinsured/uninsured motorist coverage.

There are also other coverages like the Collision coverage which will pay for the physical damage caused to your car as a result of collision with an object such as a tree or another car.

There is another Comprehensive coverage which will pay for any damage to your car from fire, severe weather, vandalism, floods and theft etc.

Failure to carry auto insurance can result in fines as high as $400 and it may also be a possibility that your vehicle's registration and driving privileges are suspended. So it is always wise to have adequate insurance and also essential that you carry proof of it.

Using the web while shopping will help you save a lot. You won't have to visit every insurer individually and still be able to get quotes from everyone. That's the magic of it.

Discounts are offered to help insurance companies retain their customers and attract new ones.

Various discounts include discounts on:
>> multiple vehicles
>> driver education courses
>> good student
>> safety devices
>> anti-theft devices
>> low mileage
>> good driver

While buying insurance you can also go for higher deductibles, which means you can lower insurance premium.

So before you get behind the wheel, get yourself insured.

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