I am getting married in 3 months. My car insurance will expire next month. I am planning to renew my policy after the wedding because friends advise me that having a married status can lower my insurance rate. Can you tell me where I can get car insurance quotes comparison so I can check if this is true in Utah?

George

Salt Lake City UT

Yes, your friend’s suggestion is a good idea to save money on insurance. But please note that there are a lot of factors used by insurance providers in calculating your premium aside from your marital status. But it is true that getting married can help you get a lower car insurance rate because married people are perceived as less likely to engage in risky road activities.

Car insurance quotes comparison can help you out with your current dilemma. This way you can see clearly the difference in figures if you have a married or single status.

There are many ways you can get car insurance quotes comparison in Utah. One is you can ask help from a car insurance broker. Brokers are independent insurance agents who are not tied to one company. Since they are independent, they represent a lot of insurance providers. As such, they can give you different car insurance premiums from various companies. But always make sure that the broker you would get is licensed to avoid scam or fraud. Brokers can also give advise about best practice in choosing and buying car insurance.

If you’re a bit of anti-social, you can gather car insurance quotes by your own as long as you have access to a computer with Internet connection. Simply look for car insurance websites. These websites offer calculator tool for computing insurance rates. Do not worry, they offer this tool for free. You will not be obliged to buy insurance from them if you use their online calculator.

This online calculator can give you instant car insurance quotes comparison because the results they will give you are quotes from different providers. So you can run a calculation with your civil status as single. Then, you can run another round of calculation using married in your civil status. After that, you can then compare which of the statuses, married or single, can give you a much better deal.

How do I know if I am choosing the right coverage on my policy in Utah?

Terrence

Salt Lake City, UT

Selecting the right car insurance coverage may not be easy if you do not know what are the types of coverage available.

When you get a quote online you will be offered coverage packages for that suits your needs. Heres what you need to know before buying car insurance policy:

You can begin with the minimum liability. In Utah, the minimum state required insurance is:

• $25,000 per person for bodily injury, $50,000 per accident
• $15,000 per accident for property.
• Personal Injury Protection: $3,000 Limit

This is often referred to as 25/50/15 limits.

There are also some optional coverage such as physical damage of collision and comprehensive coverage. Collision coverage provides protection in case of an accident. It pays damage to your car regardless whos at fault. Comprehensive coverage cover your car if it gets stolen, damaged by fire, flood etc. If you have an older car, you can go with just the minimum liability insurance.

Hello! I just bought a brand new car and still paying it through bank financing, is my car insurance going to be expensive? One more thing, I reside in Utah and I need to know our state’s minimum liability coverage.

Clara

Salt Lake City, UT

If you live in Utah and you want cheap car insurance, it is very important that you shop around. You can save hundreds of dollars on your monthly premiums if you do this. Utah is starting to be a tourist destination because of its ski resorts and spas and every year, traffic is getting worse due to visitors or tourist. That’s why it is important to have a good amount of car insurance coverage. The best way to shop for car insurance is by using a car insurance comparison website. They are very easy to use and their pretty much straight forward. All you have to do is fill up the necessary information and in less than a minute, you can have multiple car insurance quotes from different car insurance company.

You mentioned that you own a brand new car and you’re still paying through bank financing, right? So, I guess you probably need a comprehensive car insurance coverage then. We know that comprehensive coverage is quite expensive but we can still reduce the cost by raising its deductible. It is more cost effective to have a higher deductible rather than to pay high amounts of premiums every month so keep this in mind.

In Utah, our minimum liability coverage is 25/50/15. Meaning your policy coverage must have a limit of $25,000 in bodily injury liability, a $50,000 for multiple people’s injury and a $15,000 in property damage liability.

I’m thinking of buying a new car. What do I need to know about auto insurance here in Utah, and where can I get free online auto insurance quotes?

Dave

Salt Lake City, UT

Before you buy a vehicle, it is best that you research on the State of Utah’s auto insurance requirements first. This way, you will have an idea of how your future auto insurance premium will be assessed based on the make and type of your vehicle. You will also be well equipped with information on how to go about the vehicle registration process. Once you are at the Department of Motor Vehicles for vehicle registration, you will be asked if auto insurance has already been obtained. If not, then you will be required to show proof that you are financially capable of shouldering all the costs following road accidents that you may possibly cause. This may be through posting bonds equivalent to the minimum auto insurance requirements. It can also be by cash deposits equal to the minimum levels of auto insurance. Most motorists prefer obtaining auto insurance, though.

Since Utah is a no fault state, not only is the minimum liability for bodily injury and property damage insurance required, but no fault insurance, as well. This is actually the Personal Injury Protection (PIP), which is there to cover for all medical payments and replacement services following traffic accidents. If your car will be financed, then you will be obliged to get the Collision and Comprehensive Insurance as this is the financing company’s guarantee that the actual cash value of the vehicle will be paid for after an accident where the financed vehicle is totally wrecked. This auto insurance needs to be maintained until such time that the automobile has been fully paid for.

Free online auto insurance quotes are quickly available in any Utah accredited auto insurance company website. Input as accurately and completely as possible the requested information on the online form, and an estimate of your premium rate will appear. It would be advisable to go through as many websites as possible, so you can get a good idea of the price range. Make sure you get free online auto insurance quotes for the same type of coverage in order to make a clear comparison. With enough options on hand, you can now make a better decision on what provider and type policy you’ll need to choose.

What exactly is no-fault insurance system? And can I get my free car insurance quote here in Utah?

Jimmy

Salt Lake City, UT

Some states function under the fault-based system wherein, in a vehicular accident, it has to be determined which party is at fault. But there is a major loophole in this traditional system: Long legal battles on determining the at-fault party.

Now, some states tried to lessen this problem by functioning under the no-fault auto insurance system. In this system, when you get to a vehicular accident, your car insurance provider shall be the one to pay for the repair of damages or for medical bills regardless of who is at fault but only up to a specified limit of amount. But in return for this guaranteed coverage, you will have to give up certain rights to legally go after the party that is involved in the accident. And, of course, it is equal footing because you are also protected against being sued in case you are the one who is at-fault.

In a pure no-fault car insurance system, the car insurance company that provides you with coverage shall pay for all the monetary damages, such as medical bills and repairs, but it shall depend on the limits of your policy with them. You will also be forbidden to press charges for non-monetary damages, such as pain and suffering.

In any case, no state right now is under the pure no-fault car insurance system. All the thirteen states under the no-fault system (Colorado, Kentucky, Hawaii, Kansas, Massachusetts, Pennsylvania, New York, Michigan, Florida, Minnesota, New Jersey, North Dakota and your state of Utah) function in a modified way. All monetary damages are covered up to the limit, but you will now have the right to sue for non-economic damages but only up to some extent.

And getting your free car insurance quote should not be a problem. Car insurance companies nationwide give free car insurance quote, and you may get yours at their offices or online when you log on the Internet and go to their Web sites.