How to find the best car insurance in Utah
Finding the best car insurance in Utah will depend on your unique needs and financial situation. Once you factor in the minimum insurance requirements, both state-mandated and from your lender (if you have an auto loan), plus your own coverage needs, you can begin the process of selecting the best auto insurance in Utah.
Consider minimum insurance requirements in Utah
When purchasing car insurance, Utah drivers must have at least the state’s minimum insurance requirements to legally drive. This includes $25,000 bodily injury liability per person and $65,000 per accident, as well as $15,000 property damage liability. Because Utah is a no-fault state, drivers are required to purchase $3,000 of personal injury protection (PIP) in addition to the liability coverage.
Consider lender requirements
When you lease or finance a vehicle, most lenders require vehicle owners to carry full insurance coverage. This includes the minimum liability and PIP requirements, plus comprehensive and collision coverage. Lenders may also require gap insurance, which pays the difference when a vehicle owner owes more than the market cost to replace the vehicle if it’s totaled.
Consider your individual needs
The cost of car insurance in Utah is also influenced by individual needs. Your motor vehicle record (MVR) is one of the many factors influencing cost and coverage. If you are a high-risk driver, your coverage needs will likely look different versus a driver with a clean record. Other factors, such as adding a teen driver or getting a speeding violation, all influence the cost. You may need to choose a carrier with a broader range of discounts or coverage options to meet your financial needs.
Car insurance discounts in Utah
Taking advantage of discounts offered through some of the cheapest car insurance companies is another effective way to save on auto insurance premiums. While each carrier has its own unique offerings, most companies offer a mix of discounts, giving drivers in Utah more ways to save.
- Young driver discounts: If you have a young driver in your household, then discounts such as teen driver, good student or a student away from home discount may help save.
- Safe driver discounts: Being a safe driver often pays off with discounts such as claims-free or enrolling in a defensive driving program. Usage-based telematics programs, which involve a device or an app for the carrier to monitor your driving habits, could also provide greater savings.
- Loyalty discounts: If you bundle multiple policies with one carrier, multiple vehicles or have been with a carrier for a number of years, then you could get rewarded with a loyalty discount.
- Policy-based discounts: Choosing to pay a policy in full, renewing a policy before the term expires or going paperless are all ways to potentially reduce your premium for something you may choose to do on your own, anyway.