Posts Tagged ‘Utah Car Insurance’

Save on Coverage for Young Car Insurance Buyers in UT

Thursday, May 26th, 2011

To save on coverage for young car insurance buyers in UT, make a point of getting quotes from a number of providers before choosing a provider. Insurance companies determine how much risk they are prepared to assume on behalf of a driver independently and set their rates accordingly. Taking the time to get quotes from several companies will reveal that prices for the same type and level of protection can vary significantly.

Rather than buying a separate policy for a teen or young adult driver, a much better choice is to add him or her to an existing policy. As long as the young person is living at home, he or she can be piggybacked onto a parent or grandparent’s policy. This is a much less expensive choice than buying a new policy specifically for the new driver.

If the young person will be leaving home to attend college or university and won’t be driving during the school year, be sure to let the insurance company know. The rate can be adjusted to reflect the fact that the young person will not have access to the vehicle during this time.

Good students can qualify for a price break on the cost of their insurance coverage. People who are able to keep their grades in the “B” range (or better) show a certain level of maturity and are considered lower risk for coverage purposes.

Tags: , , , , , , , , ,
Posted in USA, Utah |

Average Cost of Utah Car Insurance 2011

Sunday, May 1st, 2011

Utah car insurance buyers paid $1,235 for their coverage in 2011. This amount is lower than the national average, which was $1,440. Even customers who paid at or below the state average for their insurance should do all that they can to ensure that they are not overpaying for their coverage.

Insurance coverage is something that should be reviewed at least once a year. It’s possible that the policyholder’s existing company is providing the best rates for coverage, but getting quotes from other companies for the same type and level of protection can help a vehicle owner make sure that he or she is not overpaying for coverage.

The best time to start comparing rates is a couple of months before the current policy is up for renewal. This will give a car owner the time he or she needs to get quotes from several providers and to review them carefully. If the current company is providing the best rates for coverage, the driver can simply renew the policy.

In a case where another company can offer a better deal and a driver decides to switch providers, the new policy should be bought first. Once the owner receives confirmation that the new policy has been issued and is in force, then he or she can tell the previous insurer to cancel the policy. This way, no lapse in coverage will occur.

Tags: , , , , , , ,
Posted in Car Insurance Rates, USA, Utah |

Getting Married? Save Money on Your Utah Auto Insurance Coverage

Saturday, February 26th, 2011

If you have recently tied the knot, be sure to let your Utah car insurance company know. People who are married can qualify for better rates than their single counterparts, since they are less likely to be involved in car accidents.

Married people can also save on the cost of their coverage by insuring all the vehicles in their household on one policy. Many insurance companies offer multi-vehicle discounts to their customers, and the way to find out which one can offer the best rates to newlyweds is to shop around.

Another way that newlyweds can save on the cost of their Utah auto insurance coverage is to buy more than one policy from the same provider. Purchasing car insurance and homeowners’ or tenants’ coverage from the same company is another money-saving strategy available to consumers, and doing so can mean a discount on the cost of both policies.

A life change, such as getting married, is the perfect time to evaluate one’s current car insurance coverage. Taking advantage of available discounts is a great way to help keep costs for this necessary protection down. When getting quotes for coverage, it’s a good idea to ask the insurance company about all the price breaks that it offers to customers. It’s possible for a customer to qualify for more than one price break, which can add up to significant savings on the cost of coverage.

Tags: , , , , , , ,
Posted in USA, Utah |

Utah Car Insurance Exclusions

Monday, February 21st, 2011

Utah car insurance buyers need to be aware that their policy will not cover them in all circumstances. Examining the policy carefully will reveal exclusions, or circumstances where the insurance company will not provide coverage. In some cases, a consumer will request a specific exclusion as a way to save money. An example of this situation is where a customer asks that a teen driver in his or her household not be covered under the policy.

Another common policy exclusion is one for overlapping policies. If a policyholder has coverage from more than one provider, the insurance companies will likely put limits on how much they will pay out under each one.

Another type of policy exclusion that may be found in Utah car insurance policies is that the company will not pay out on bodily injury claims when the vehicle is being used to transport passengers or materials for compensation. Business owners may wish to have an exclusion written into the car insurance policy so that employees are not covered under the policy when operating the owner’s vehicle.

A customer may find that he or she is not covered for damage caused while drag racing. This type of high-risk activity is more likely to cause damage to the car, as well as personal injuries.

By reading through the policy documents carefully, a policyholder will be able to understand exactly what coverage he or she has in place.

Tags: , , , , , , , , , , ,
Posted in USA, Utah |

« Older Entries