Did you know that there are literally a ba-jillion drivers who need auto insurance in Provo? OK obviously that’s not necessarily true, but I’ll bet YOU would rather spend your money on something other than auto insurance, right?! Keep reading and we’ll show you how using multiple car insurance companies to get quotes will get you the cheapest auto insurance price…
So since you’ve taken the time to read this article, we’d like to share a very real secret on how to save money on auto insurance and still get the coverage that you need: Shhhhhhhhhh……(whisper) you choose a (friendly) insurance agent who’s market reach is broad enough to find the right companies FOR you (“friendly” because life’s too short to deal with anything else).
Not impressed? Well that little gem WILL save you money, time, and a few premature gray hairs on your head. “But what about my list of special discounts” you might say. Well, I can give you a list of discounts that stretches to the moon, but at the end of the day I would simply ask “what’s the coverage and what’s the price.” Simple? Yes, and that’s the way it should be.
Lucky for you, you’re already in the right place because Keystone Insurance Services represents some of the most sought after car insurance companies in Utah such as Bear River Mutual, (which consistently offers the lowest car insurance in Utah) Auto-Owners Insurance, Travelers, The Hartford, Progressive, Mutual of Enumclaw, and many, many more. That means that if you’ll take a few minutes to fill out the information above, we’ll figure out which (out of our dozens of insurance companies) is offering you the lowest rate. Simple. 🙂
At Keystone Insurance Services, we make car insurance shopping easy because we do it all for you. You’re just a few questions away from getting started, so let’s go!
The state of Utah requires liability coverage and since it is a no-fault state you are required to have at least $3000 in personal injury protection to cover medical payments.
The state of Utah requires a minimum auto insurance coverage of:
A: Some states in the U.S. have found a creative way to prevent courts from being packed with small lawsuits: Utah is one of 12 states to adopt a “No Fault” insurance system for auto-related accidents. This means that no matter whose fault the accident is, each injured person would file the first $3,000 of bodily injury with the insurance company covering their vehicle. Once the full $3,000 is paid out for an individual, they can attempt to recover any additional bodily injury loss from the other party. Typically, we’re fearful of turning in claims to our own insurance company for fear of rates being raised, but a PIP claim alone should never affect your insurance premiums.
A: On the Utah DMV website, it states that in order to register a vehicle, you must provide: “…vehicle title, driver’s license, proof of insurance, and certificate of inspection, if required.” However, I have registered more than one vehicle in Utah without showing any proof of insurance. After putting a call into the DMV (1-800-DMV-UTAH), I was told that technically you do need active insurance to register a vehicle, but since most insurance companies will allow 10 days to notify them of the new purchase, you may be covered by default. Many tellers choose to let it slide, but if you don’t have any active insurance coverage now, chances are better that the teller that you get will require your proof of insurance before issuing the registration.
A: Get slapped with a “driving without insurance” ticket can have much bigger consequences than paying a heavy fine. Those unfortunate enough to receive this ticket must appear before a judge, and most of the time will be required to carry an SR-22 filing on your auto insurance policy for the next 3 years. This filing is essentially a babysitter that requires the insurance company to notify the state if you let your insurance cancel for any reason. Outside of the fact the the ticket is considered a major moving violation which raises rates, the nature of needing an SR-22 can exclude you from being eligible to insure yourself with many of the better-priced insurance companies…it’s a double whammy.
A: In the state of Utah, your policy does not typically cover a vehicle that you have borrowed. Your policy may still defend you as an individual, but in most cases it does not protect the owner of the borrowed vehicle, or their property.
A: Some insurers will offer to extend coverage for certain business use, but the personal auto policy would not typically extend coverage to the business itself which means that the business could be left vulnerable in the event of a claim. You should talk to your agent to find out if you need a commercial auto policy.
A: It’s not always necessary to purchase the coverage from the rental car company which is great because in most cases their coverage is very expensive. Some auto insurance companies will automatically extend liability and physical damage to the rented vehicle in the United States and Canada, but there are two things not normally covered by your policy: The Daily Rental Fee until the vehicle is fixed, and Diminished Value which is really just a perceived value drop for the rental vehicle because the car has been involved in an accident. Talk to your agent to find out what coverage is extended on your particular policy so that you don’t over-pay when you rent your next car.
A: Comprehensive is referring to physical damage to your car and is commonly referred to as “not at fault” claims such as vandalism, theft, wind, fire, hail, glass breakage, water, falling objects (watch out for those meteors) and hitting animals such as deer.
A: Collision coverage is also referring to physical damage to your vehicle and it pays for repairs due to the overturn of the vehicle, or collision with another object such as another car, building, pole, etc.
A: The only real answer to this is to say “however much your future claims will cost”. Although that’s really the truth, the practical answer is to weigh your risk if a serious accident occurs. A newly married couple with no assets will have different needs than an established family with a home, auto, and additional assets. You will want to discuss with your agent your particular needs. Many times the bump in coverage is extremely reasonable in cost and will help protect your assets much better.
A: If the accident involves another party you should generally notify the police first, but if that’s not possible or practical make sure that you exchange information with them such as names, addresses, telephone numbers, license plate, and their insurance information. Taking photos is also great way to document what occurred so that you can reference the photos if there’s a dispute. Because accidents will sometimes leave us frazzled, it’s important to remember that we may not be the greatest decision makers in these situations, so remember to never admit fault, and do not discuss the accident details with any third parties other than your insurance company, your insurance agent, and the police. Notify your insurance agent about the accident as soon as you’re in a safe place.
Any submissions or payments made via this website do not constitute a binding agreement to your policy or coverages. Changes and payments to policies are not effective or binding until you, or any party involved, receive official notice from either your insurance agent, or your insurance company. If you have any questions, please feel free to contact us.