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Cheap Utah Auto Insurance

Cheap Utah auto insurance quotes, companies, laws, minimum requirements. We help to find cheap auto insurance in Utah.

One of the best things that we can do for ourselves is to watch our budgets, especially when it comes to things that we really need. Auto insurance has long been expensive, and considering that there are penalties for not having it, it’s important that we have cheap auto insurance in Utah. Fortunately enough, our free quote tool will assure that you’re getting exactly that. It’s easy to use and the quotes are from some of the highest rated companies in the industry.

Utah Auto Insurance Law and Regulation
One of the most important things to understand is the law of the state, specifically when it comes to automobiles, as it’s an important part if you’re going to receive cheap auto insurance in Utah. Since Utah is a no fault state, each individual involved in an accident is responsible for their own injuries and property damages. For this reason, insurance companies advise policy holders to buy more than the minimum liability auto insurance. The average insurance premium in Iowa as of 2006 is approximately $702.00 and the state is ranked as the 31st most expensive for insurance premiums in the nation.

The state of Utah requires all insurance companies to offer uninsured and underinsured motorist insurance to all their policy holders. Uninsured and underinsured coverage provides protections against drivers who do not carry the mandatory liability auto insurance demanded by the state. Underinsured and uninsured coverage is not mandatory in the state of Utah but it is recommended, even though it may be a little more money on your cheap auto insurance in Utah. If you decide to forego this option, the insurance company is required to provide a signed declaration page stating that you chose not to take the underinsured and uninsured coverage.

Common Insurance Practices in Utah
You or your insurance company may exclude members of your household from coverage on your insurance policy. If the individual is not listed on your policy, the insurance company does not have to provide coverage for that person. Any exclusions will be listed in the exclusion section of your policy with all of the other circumstances which the insurance company is allowed to refuse a claim for. If your policy lapses or cancels you can be cited for driving without the required insurance so you must pay the premium to reinstate the policy. If the policy is cancelled, then you must find a new auto insurance policy right away – as required by law. With there being so many ways to obtain cheap Utah auto insurance, it shouldn’t be too much of a problem. The insurance company will notify the DMV of any cancelled of lapsed policies.

Utah insurance companies cannot use your personal credit history alone to accept or reject applicants and set insurance rates. They may use your credit score in conjunction with other information to determine your risk factors. The other factors which are used to determine your rates are the age of the drivers on the policy, the car you drive, driving records, where you live and your marital status. Likewise, insurance companies cannot use your personal credit history to cancel or deny renewal of an existing insurance policy.

Reducing Rates for Auto Insurance
This is where the rubber meets the road – constituting a good way to receive cheap auto insurance in Utah. One of the methods you can use to reduce the cost of your auto insurance premiums is to purchase more than one type of insurance policy with the same company. You will also get discounts for a clean driving record and possibly for renewing you policy with the same company repeatedly. Making sure your insurance never lapses will sometimes reduce your premiums as well as belonging to a particular professional group such as engineers, teachers, or doctors.

Even the dreaded younger driver demographic can receive some breaks here, and while it is a bit tougher, there’s still the chance for cheap Utah auto insurance. Younger drivers can get discounts for maintaining good grades, and completing a driver safety course approved by the state. Insuring multiple vehicles will also reduce your premiums. Anti-theft devices and safety mechanisms such as airbags and seat belts will contribute to the reduction of your auto insurance premiums. It may also be useful to know which cars are frequently targeted by thieves. The list of the top ten most often stolen cars in the state of Utah are listed below.

1. 1997 Honda Civic
2. 1991 Honda Accord
3. 1990 Jeep Cherokee/Grand Cherokee
4. 1994 Nissan Sentra
5. 1989 Toyota Camry
6. 1991 Ford Explorer
7. 1996 Ford Taurus
8. 1998 Chevrolet Cavalier
9. 1991 Chevrolet Blazer
10. 1992 Saturn SL

Even if you drive one of the cars on the aforementioned list, you still have some options. Regardless of the person’s driving history, there’s still a good chance that they can receive cheap auto insurance in Utah. It all starts from using our free quote tool, one of the most proficient ways for a person to receive a better policy. Although you may not save thousands of dollars – you still may be missing out on something, and that doesn’t have to happen. Use our tool today!

Useful links:
Utah Division of Motor Vehicles
Utah Division of Insurance
Utah Department of Revenue

Utah minimum requirements
Bodily Injury Liability Per Person: $25,000.00 Limit
Bodily Injury Liability Per Accident: $50,000.00 Limit
Property Damage Per Accident: $15,000.00 Limit
Persoanl Injury Protection: $3,000.00 Limit

Utah auto insurance requirements and laws >>

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