If you have a car in the state of Utah, you definitely need car insurance. Utah car insurance is a state requirement and failure to own a policy can cost you much more than any insurance policy on the market. If you are stopped by the police; you must provide proof of having a Utah car insurance policy.
Failure to have a policy results in you being charged with a class B misdemeanor and a $400 fine. In addition, the DMV can suspend your driver’s license and your vehicle registration until proof of insurance is provided, as well as paying your fine and reinstatement fee.
Guess what? That was the good scenario if you don’t have car insurance. The bad scenario is that you have been in an accident and there are injuries and wrecked cars. Without insurance you are liable for all damages, medical costs, property repairs and lawsuits and you still face the additional fines I have already listed. You could be paying these expenses for the rest of your life!
You can compare auto insurance quotes online for Utah car insurance. There is one thing you must know before considering how much auto insurance you need. Utah has a “no fault” system which means you are liable for costs incurred whether you are at fault or not. So remember this when you are deciding how much coverage you may need for your Utah car insurance.
When you compare auto insurance quotes, there are a few factors to take into consideration to help determine your coverage needs. Your policy should be a reflection of your lifestyle so consider how much your car would cost to replace it. Where you live is a factor as well as how far you drive annually, because the crime rate can be a factor or how much time you spend on the road. Do you transport your family in the car or friends and neighbors? If so, you need to protect them on your insurance policy as well.
When you compare auto insurance quotes there are a few things to consider. You can lower your premium by paying a higher deductible. For instance if you have a claim and your deductible is $500 you would have to pay that amount before your insurance would take over. You can lower your insurance cost by raising this deductible amount to $1000. However, if you need your car every day and you can’t easily pay this deductible, then this is not a good choice for you.
There are a few other choices to think about when comparing auto insurance quotes. Will you need roadside assistance in the event of a break-down or a rental car if your car is disabled? Another option is uninsured motorist coverage; just because it is the law to have insurance doesn’t mean everyone will comply.
Remember that you can get free auto insurance quotes for your Utah car insurance. You will pay more if you live in one of the most populated cities in Utah, so it is even more important to compare your insurance quotes for your best policy.
The five most populated cities in Utah are Salt Lake City, West Valley City, Provo City, West Jordan and Sandy. Orem also comes very close to these cities in population size. So do your research and get your best car insurance policy after comparing your free auto insurance quotes.