Need automobile insurance in Utah? We’ve got you covered with great rates!
Today you have to protect yourself and your family from a potential auto liability claim that could negatively impact your family. By maintaining the proper levels of coverage you’ll be protected. If you have questions about your coverages, please give us a call and a licensed agent will walk you through your options.
Tips to Help you Purchase Auto Insurance
Before you consider buying auto insurance, make sure to consider some important factors.
1
Determine the Auto Insurance Rate
There are two factors that would help you determine what to pay for auto insurance in Utah. Basically, these factors are underwriting and rating. In order for insurance companies to assess the risks associated with the applicant, they need to assess which risks and groups they’ll be a part of and eventually decide to accept the applicant. As part of the the underwriting process, the company assigns a premium which the insurer has the capacity to pay to in the event of an applicant’s future potential claim.
In addition to the the general guidelines that all insurance companies must follow, each company also can adopt their own rating system which is approved by the State Insurance Commission. Claim frequency is the factor that has the biggest influence on the company’s rating system. Claim frequency does not necessarily refer to how many times you made an insurance claim, but how often the occurrences of a claim are within the policies specified in the insured group. More insurance premium will be charged to persons sharing characteristics with high claims.
2
Factors Affecting your Rate
- Gender and age – certain age groups and genders are prone to have more claims
- Prior insurance coverage – if cancelled due to non-payment of premiums
- Driving record – you are considered higher risks if you have had previous accidents or violations
- Marital status – married individuals are proven to have less claims
- Geographic territory – rural areas have lesser claim rates compared to higher traffic cities
- Vehicle make and model – higher number of claims occur with sports and luxury cars
- Use of vehicle – driving higher annual mileage increases your likelihood of a loss
3
Know about Optional Coverage
In addition to basic liability coverage, comprehensive and collision coverage are amongst the most commonly purchased optional coverages. When your vehicle collides with another vehicle or object, the physical damage is payable under collision coverage. Comprehensive covers losses caused by vehicle damage such as theft, flood, fire, hitting an animal, vandalism or severe weather. This coverage can also include windshield and glass damages. Collision coverage is more expensive than comprehensive coverage. Roadside assistance and rental reimbursement coverage are also examples of optional coverages.
4
Ask Our Agents About Discounts
As a premier St George auto insurance agency, our companies offer discounts for better premiums. Some common discounts are good student, good driver, renewal, multiple vehicles, low mileage, auto/home package, driver education courses, anti-theft devices and safety devices to name a few
5
Compare Proposals Before you Purchase
Before deciding to purchase auto insurance in St George, it is crucial to get quotes from various providers and compare prices. The easiest way is to contact an independent agency, such as ourselves, where we quote multiple companies and offer clients the most affordable premium of all of the insurance companies we represent. This way the agent is able to quote consistent information when securing proposals. Basic information will be asked by agents such as the number of drivers in your household, driver’s license number, description of vehicle including vin numbers as well as the coverage and limits you prefer.
6
Where to Seek for Additional Information
There are a number of reliable and unbiased sources to provide you with the information you need to know. These sources include consumer groups, online resources, consumer publications, state insurance departments and public libraries. Generally, state insurance department has personnel to accommodate questions pertaining to auto insurance coverage and publish authentic comparisons to ensure the nicest shopping experience. That’s why having an auto insurance company that’s been in the business for over 25 years is comforting, because we’ve been helping your friends and neighbors for years already.
7
Carefully Check your Policy
An auto insurance policy is a legal contract between yourself and the insurance company. It is very important to read and understand the content and your coverages. Contact your insurance policy agent in case you want clarification or the state insurance department for further clarification on any doubts and confusion.