Using a Utah Car Insurance Calculator is a great way to learn how much you will have to pay for auto insurance. Rates vary based on your age, gender, driving record, and other factors. The rates are also affected by the type of vehicle you drive. Typically, you will pay more if you drive a high-end car, such as a sports car, than if you drive a compact SUV. If you can afford to add comprehensive and collision insurance to your policy, it may be a good idea to do so.
The cheapest auto insurance companies in Utah are American Family and Progressive. The rates for these two companies are lower than the national average. The cost of a minimum liability insurance policy in Utah is $483.
Similarly, the price of comprehensive insurance in Utah averages $133 per year. Collision insurance averages $27 per month. Lastly, the most expensive premiums are for full coverage with increased liability limits. The premiums can be as high as 1.8 times the minimum.
Utah has a low crime rate, which helps keep rates down. However, the cost of emergency medical care can easily exceed your liability limits, so carrying extra insurance is recommended. You also should consider adding medical payments coverage, which pays for medical expenses after an accident. The maximum amount of financial protection you can get is dependent on the value of your car and the liability limits of your insurance policy.
When comparing Utah auto insurance quotes, make sure to include your driving history and credit score. Drivers with a clean driving record and good credit will have better rates. If you have a bad credit score, however, you will pay more. It is not uncommon for insurance companies to penalize drivers with poor credit. Insurers have also found that drivers with low credit scores file more claims. If you have a poor credit score, you should shop around and take advantage of the many discounts available.
The cheapest Utah car insurance companies also have a strong commitment to customer service. The best companies have strong reputations for claims handling and superior service. These companies also don’t spend a lot on advertising. If you have questions about your Utah car insurance policy, you should ask your insurer or an agent. You should also check out their website for discounts and other information.
The top car insurance companies in Utah include American Family Insurance, Progressive, The General, and Gainsco. Rates vary based on the type of vehicle you drive and the amount of coverage you require. Rates also vary by age, gender, and marital status.
Utah’s car insurance policy requirements are similar to most other states. The state’s minimum coverage policy includes coverage for rehab benefits and a $1,500 funeral allowance. It also requires $25,000/$65,000 bodily injury liability and $15,000 property damage liability. You can add additional liability coverage for an additional fee. You should also consider adding medical payments coverage, which pays for emergency medical expenses after an accident.