Ogden Car Insurance
Quick trivia quiz, what is approximately 10 miles east of the Great Salt Lake? Ogden.
It is considered among the top ten places to raise a family, not surprisingly. When purchasing car insurance in Utah, then, there is a good likelihood you are concerned about ensuring the peace of mind for your loved ones.
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Every state has its own vehicle insurance laws that work for its residents. Utah requires its residents carry no-fault, or Personal Injury Protection (PIP), insurance and liability coverage.
No fault coverage is great because it pays out based upon your need from an accident.
PIP pays out for such costs as medical bills or funeral costs that occur consequentially from an auto accident. It is a method to ensure that you and your loved ones are covered.
Utah does also have requirements for liability coverage, which protects you if you or any covered drivers on your policy cause an accident involving injuries or damage to other people and their property.
It is a layer of protection that dissuades other parties from suing you. In addition, your insurance carrier takes on the grave responsibility of defending you, rather than having to find and hire a lawyer on your own.
The legal minimums are not directly stated on Utah Division of Motor Vehicle site, rather instead listed here at theRocky Mountain Insurance Information Association.
Utah law requires minimum bodily injury liability coverage:
- $25,000 per person
- $65,000 for every accident
Compare Reality with Recommendations
Contrast these minimums with the auto insurer's industry's recommended levels for insurance coverage of 100,000 per bodily injury liability and 300,000 per accident.
In addition, Utah's required property damage coverage is only $15,000. Imagine for a moment how much your car costs. Then multiply it for a multi-car accident, and it is easy to envision why you want to ideally buy more than the state minimum for property damage.
Consider that property damage additionally covers items you or your covered drivers might hit.
For instance, the busy local road that dead ends into a house that is one foot away from the street is an object. Hit it, and it certainly is more than $15,000 in damage. The fence might be expensive as well.
How do insurers determine costs of coverage?
When you go online and pull up a free quote for insurance, you will find perhaps vastly different estimates coming your way. It might even be amazing the variation of them all.
The question becomes, how do they decide how much to charge you? Well, many of the details of your life you cannot change. Such factors as:
- Age
- Gender
The good news is you can improve other areas and make them more insurance friendly, such as:
- Where you live
- Driving record
- Marital status
- Credit score
- How much you drive
- Purpose, such as work or leisure, for your driving
- The vehicle you drive
- Insurance claims record
Here's how you can improve your insurance costs by making improvements or changes to your life.
Improving on Your Insurance Premium
If you have a driving record riddled with traffic violations and accidents, there is some good news here. You have room to better your situation. For instance, take a safe driving course, and implement the knowledge you take in through such learning.
Additionally, you will usually save double-digit percentage points on your insurance for a few years following such coursework.
A class usually caps out at one day in person, but the savings last for years.
You may not yet be married, but when you are, it will save you on insurance. The reason is simple. If there are two adults in a household, it is two opportunities for the insurer to receive the insurance premium.
Credit scores are a lot like driving records. Once you follow the rules of adhering to paying at least minimums on time, and do not rack up debt to the debt ceiling, you will see your score improve. In addition, it is similar to driving records in that, as years pass, old indiscretions fall off your report.
You want to be a wise consumer who evaluates the efforts of your insurance carriers too.
They are not all the same. You want to be smart and only consider carriers who will pay out valid claims efficiently. Do an Internet search on the different insurers who come up in your quote, because some will have glowing reviews and satisfied customers while others will be riddled with dissatisfied customers.
In addition, evaluate the credit-worthiness of the insurers at Weiss Ratings and Moody's.
Buying coverage is not too complicated and does not have to be overly costly either. The Internet has made sharing information a lot easier, to the benefit of consumers throughout Utah.
To find the best coverage for auto insurance, enter your zip code into our FREE tool below!