Drivers in Utah can expect to pay around $722 for their annual auto insurance premiums. Since Utah laws make auto insurance mandatory, it is important to search for the best possible insurance company with the best rates to keep your premium at this amount of lower. As a highly competitive industry, auto insurance rates can vary greatly between companies. Several factors, including age, gender, type of vehicle being insured, driving record, insurance history, and credit score can also affect your premium amounts.
Auto insurance companies recommend obtaining a minimum of 3 auto insurance quotes from various agencies in your city, though the more you get, the better the chances of locking in the lowest rates. Utah law mandates a policy that includes 25/65/15 bodily injury and property damage coverage, and a minimum of $3,000 in PIP(personal injury protection).
Along with the state required coverage, drivers may wish to add additional coverage amounts to those required.You may also be interested in purchasing certain other policies for better protection. Uninsured/under-insured motorist coverage is one recommended policy. Insured motorists who are concerned about being in an accident with an uninsured motorist can purchase this optional coverage to ensure their losses are covered.
Collision & Comprehensive are also a good idea to carry on your vehicle. Collision insurance pays for damages to your car caused by another vehicle, an object or a rollover. Its not required by law, but most dealerships require collision coverage for financing. Comprehensive insurance protects you against damage to your own car from perils like fire, theft, glass damage, hail, wind, flood or vandalism. Comprehensive coverage is not required to be carried. If you have an older car, consider dropping these types of coverage to save on insurance premiums, but ensure it is in place for newer vehicles.
Start your search Utah auto insurance online. A number of sites offer free, no obligation quotes that take just a matter of minutes. One such site is www.progressive.com. Progressive will give you their lowest rates, along with the rates of other top companies in your area, regardless of whose price is the lowest. You can save hundreds of dollars on your insurance comparing rates. You may also like to try www.esurance.comto receive up to 5 different quotes in 6 minutes or less. You can also start your coverage online with these companies, and may qualify for a discount for doing so.