Utah is one of the fastest growing states in the country. With its friendly business tax rates, sunny climate, relatively affordable housing, and abundance of outdoor recreation, Utah’s population has swelled significantly over the past several decades. According to the U.S. Census Bureau, Utah was the third fastest growing state in the U.S. between 2000 and 2010. Its population increased by 23.1% to nearly 2.8 million residents.
Don’t Prioritize Convenience
Since car insurance laws vary by state, an increasing number of people are looking to buy cheap car insurance in Utah. While it may be easy to stop by your local auto insurance agent and buy a policy, we would not usually advise this. Most insurance agents sell only one company and thus it is very likely you are not paying the lowest car insurance rates.
This is especially true if you have multiple vehicles and other items you wish to insure as your home. While quality service and prompt claims assistance is important, you could literally be spending more than $500 per year for the convenience of meeting with a nearby insurance agent.
Utah Car Insurance Laws
If you live in Utah, there are some basic insurance requirements drivers must follow. Utah drivers must have at least $25,000 per person/$65,000 per accident in bodily injury liability coverage, $15,000 per accident for property damage, and no-fault personal injury protection (PIP) coverage of $3,000. These minimum limits are the same whether you have a car, pick-up truck, van, or SUV.
PIP covers “reasonable and necessary” medical bills, a portion of lost wages, funeral expenses, and loss of essential services damages regardless of fault. Utah car insurance shoppers should strongly consider purchasing optional higher PIP limits to have more coverage as $3,000 is very little, in light of how expensive medical care is.
Optional Coverage
Other optional coverage types in Utah include: Uninsured/Underinsured motorist coverage, towing reimbursement, rental car coverage, collision and comprehensive, and gap insurance. Collision and comprehensive and gap may be required coverage types if your auto loan terms specify this.
Utah Drivers Can Pay Less
The good news for Utah drivers is that according to a study conducted by Insure.com, Utah is the 9th cheapest state in the country for car insurance. The study showed the average Utah driver pays $1,272 per year for auto insurance. In comparison, California drivers paid on average $1,991 per year for car insurance, which was the 6th highest rate among the 50 states and District of Columbia.
However, Utah drivers can save even more by comparing rates from multiple companies. That is why it is a good idea to use our Web site’s free, no obligation quote service to find low cost Utah Car Insurance or find your lowest rate for whatever your state is.
Getting a car insurance is a necessity in every owner of cars.
[...] Utah is one of the fastest growing states in the country. With its friendly business tax rates, sunny climate, relatively affordable housing, and abundance of outdoor recreation, Utah’s population has swelled significantly over the past several decades. According to the U.S. Census Bureau, Utah was the third fastest growing state in the U.S. between 2000 and 2010. Its population increased by 23.1% to nearly 2.8 million residents.Source: bestcarinsurancecompanies.net [...]