Most drivers want to be informed about their car insurance options, and our team is committed to helping you find all of the information you’re looking for. With that in mind, today’s post is going to answer the top questions we get about car insurance in Salt Lake City.
How much insurance do I need?
Finding the right balance between having enough insurance coverage and getting a policy that fits your budget can be tough.
When it comes to home much insurance you need, that comes down to the legally required insurance minimum where you live.
For Salt Lake City drivers (or any Utah drivers), these are those minimums:
- $25,000 in liability coverage for bodily injury per person
- $65,000 in liability coverage for bodily injury per accident
- $15,000 in liability coverage for property damage
- $3,000 for personal injury protection as a no-fault state
If you decide to purchase underinsured or uninsured motorist coverage, it is required by law to have at least $25,000 per person and $50,000 per accident.
However, adding collision and comprehensive coverage is encouraged for most drivers. And that brings us to answering your next top question.
What do collision and comprehensive insurance cover?
Collision insurance can help you cover the cost of repairing or replacing your own vehicle if it’s damaged in a collision with another vehicle, an object, or a single vehicle collision.
For other types of damage, including theft, vandalism, or falling objects, comprehensive insurance can cover you.
Without this coverage, you will almost always be left paying for repairing or replacing your vehicle if you are considered at fault for the damage.
Will driving a red car make my insurance premiums higher?
Yes, this really is a question we get all the time and it’s one worth asking. The truth is, a red vehicle won’t make your insurance premiums higher–this is a myth. Instead, car insurance premiums are based on things like your age, your driving history, and insurance rates in your area.
Do you have any other questions that weren’t covered in this post? Call us today to get the answers you’re looking for!