Auto Insurance in Utah

Most commonly, vehicle insurance policies include:

• Personal Autos

• Motorcycles

• Boats & Jetskis

• 4-Wheelers & Recreational Vehicles

• Motorhomes

• Travel Trailers

The coverage available may include:

• Personal Liability Insurance

• Medical No-Fault

• Additional Medical

• Uninsured Motorist

• Underinsured Motorist

• Collision, Comprehensive

• Towing & Lockout

• Rental Reimbursement

• Stereo & Additional Equipment Coverage

Car Insurance Determinants

The drivers of the vehicles are categorized by age and experience. Age brackets include 16-20, 21-25, 26-30, 31-54, 55 and over. Three years of driving experience is required to qualify for insurance with a Preferred Insurance Company. Preferred companies discounts include Married, Good Student, Drivers Training, Good Credit, Good Driver (5 years Accident/Violation free), and Retired Driver. It may also include surcharges for At-Fault Accidents or Minor or Major Violations. If you have too many incidents, you may only be able to purchase vehicle coverage from a Non-Standard Insurance Company.

The vehicles that are covered by insurance vary a great deal, but all of them have a Vehicle Identification Number (VIN) that the insurance companies use to identify the property they insure. The value of the vehicles varies with Year, Make & Model as well as the equipment, some of which will generate discounts. Anti-Lock Brakes, Passive Restraints, Airbags, GPS/OnStar, are features that Insurance Companies like.

Vehicle use is a factor in determining auto insurance rates as well. Cars that consistently get less than 7,500 miles a year sometimes receive a low mileage rate, while those with business use or commuting to work or school each day receive a different rate than those rated leisure.

If you have any questions about your car/auto or vehicle insurance and you're located in Utah, don't hesitate to give us a call at any of our three Utah locations.