As is the case in most states, in Utah, auto insurance is required by law for drivers and vehicle owners. Since you have to have insurance in order to drive, it goes without saying that getting the best deal on the coverage you need is no small matter. Utah auto insurance quotes are free and easy to acquire, and since some drivers in the Beehive State may be spending hundreds of dollars a year more than they have to on their car insurance, dismissing the valuable information offered by quotes could be a huge mistake.
Utah Auto Insurance Costs
Even with a huge percent of drivers living in urban or near-urban areas, the average cost of Utah auto insurance is relatively low. According to the National Association of Insurance Commissioners (NAIC), Utah auto insurance rates are significantly lower than the national average ($697 a year compared to $795). When compared to states like New Jersey, New York, and even neighboring Nevada (where the average costs are $1,000 or more), Utah auto insurance is a down-right bargain. Unfortunately, just because the statewide average is relatively low doesn't mean that you're automatically getting a great deal on your existing policy. Here are a few ways to reduce the cost of your current policy, and a few enticing reasons why Utah auto insurance quotes are tools you don't want to go without.
Lowering Existing Auto Insurance Rates By Changing Your Policy
If you feel that your current policy is a little too expensive, there are several changes you can make to your existing policy that will reduce the amount you pay each year. Your deductible (the amount you pay out-of-pocket before the insurance company chips in) is one of the key elements in how much your yearly auto insurance costs will be. If you raise your deductible, your insurance company knows that they will pay less in the event of an accident; this allows them to lower your premium. Utah drivers looking for lower rates can also lower their policy limits (the maximum amount the insurance company can be held responsible for); when the insurance company knows that the most they'll have to pay out has been reduced, they can offer you lower rates. Finally, insurance companies will offer lower rates when you eliminate certain types of coverage from your policy. If the insurance provider is responsible for payment in fewer situations, they can lower your rates accordingly. Each of these policy changes can make a marked difference in your yearly auto insurance costs, but as each can also leave you paying more out-of-pocket if an accident occurs, none of these changes should be taken lightly.
Reducing Utah Auto Insurance Rates with Available Discounts
For many drivers in Utah, auto insurance is determined not by what you feel you need, but by what someone else feels you should have. If you own your car outright, the state of Utah determines the minimum amount of coverage you must carry; if your car is still being paid off, your lender tells you the minimum amount of coverage you must carry. While you have no control over the minimum coverage in either situation, Utah auto insurance costs can still be reduced by taking advantage of discounts. Though some companies offer discounts that others do not, many providers give drivers discounts for: installing an anti-theft device, raising your credit score, taking out another policy with the same company, and remaining claim-free for a number of years.
Find Utah Auto Insurance Quotes
Of the many tools for lowering your rates in Utah, auto insurance quotes are easily the cheapest and most convenient. Unlike policy changes or discounts, auto insurance quotes are free to all. Examining quotes from several different companies will give you a better chance of finding one that offers far lower rates than the ones you're currently paying, and even if all the quotes you get are higher than your current rates, at least you'll know that your current provider is worth sticking with.
NetQuote makes finding Utah insurance quotes easier than ever. Fill out a brief form and let NetQuote match you with several quotes from competing providers in your area. While getting quotes doesn't always lead to a better policy at a lower price, knowing the rates other local companies are charging is never a bad idea.