Utah Car Insurance Laws, Rates, and Minimums
In accordance with state law, all passenger cars and trucks must maintain No-Fault automobile coverage as long as a vehicle is registered. Since each company will charge a different premium for every applicant, one should take the time to obtain quotes in order to find the cheapest policy.
Find Cheap Utah Car Insurance
There are a few important steps to finding cheaper coverage in UT. One of the most important yet overlooked steps is taking the time to comparison shop. Companies evaluate each applicant and put them in a risk pool along with similar drivers; they then base their premiums on the risks associated with insuring the motorist who is applying. The importance of comparing the rates of different insurers is because some will charge consumers less for certain risk factors while some may charge a substantially higher amount. By gathering quotations and completing a comparison, the consumer will be able to view which companies are willing to offer a fair rate and which may be overcharging.
When shopping around for more affordable policies it is important to take a few things into consideration. While applying be sure to provide the same information to each company as well as requesting the same coverage. This is important because rates are determined by the information that is provided by the applicant such as; age, gender, address and any tickets or accidents on a driving history. Also, one wants to compare "apples to apples", therefore completing a UT car insurance comparison based on the same amount of coverage with each company is vital for completing an effective comparison. If a person were to get a cheaper rate from a carrier but the amount of protection is less than another insurer that they may have compared, it may not necessarily mean that they are getting the best deal. They may have gotten a lower price with the other carrier had they compared the same coverage.
According to the Utah Insurance Department shopping around and asking for discounts is an ideal way to save. There are many discounts that are offered to drivers who are seen as less of a risk. Being eligible for a discount can help motorists save a significant amount on their premium.
Utah Auto Insurance Laws
The state follows the No-Fault law which means that all motorists are required by UT car insurance laws to carry Personal Injury Protection (PIP); this type of coverage pays for injuries sustained by the policyholder as a result of a traffic collision up the the limit stated on the policy regardless of who is found liable.
In addition to PIP, drivers must also carry liability limits as follows;
- $25,000 for bodily injury per person
- $65,000 for bodily injury per accident
- $15,000 for property damage
- $3,000 for personal injury protection
Motorists are required to carry proof of coverage at all times while operating an automobile and must be able to furnish such proof if request by a law enforcement officer; as of 5/1/2008 officers are allowed to impound uninsured vehicles. Evidence of a valid policy is required in order to maintain a vehicle's registration. If caught operating a vehicle without proof of coverage it is a Class B misdemeanor and if convicted, the offender will receive a fine of no less than $400 for a first offense and $1,000 for a subsequent offense within three years of any previous convictions. Also, the Department of Public Safety will suspend driving privileges which cannot be reinstated until proof of a policy is submitted and a reinstatement fee is paid.