Author: Creed Anderson

Why Did My Insurance Rates Go Up?

Have you noticed your insurance rates have gone up and you’re not sure why? If you haven’t made any claims or had any big life changes, we know why changes in insurance rates can be confusing. You see the same amount come out of your bank account for your auto insurance each and every month. Then all of a sudden a higher amount is withdrawn and you’re left feeling confused about why the increase took place. Rising Insurance Costs? The truth is auto insurance rates are increasing. So even if you’re someone who hasn’t been involved in any accidents and hasn’t made any claims, it’s still possible your auto insurance may be going up. Reasons Your Insurance Rates Might Go Up Here are a few of the factors out of your hands that may be causing your insurance to increase: Increases in repair costs: Just like anything else, the cost to actually repair a vehicle is going up. Largely due to expensive technology and new features. Increases in medical costs: Similar to repair costs, medical costs are also climbing. Insurance companies are taking this into consideration and making rates based on it. More drivers on the road: More drivers unfortunately means more accidents. You moved homes: Where you live has an impact on your insurance rate. That’s because different areas can have more traffic which increases the chances of...

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Auto Insurance and Delivery Drivers in Salt Lake City

Delivery drivers have been busier than ever in Salt Lake City! Whether they’re delivering food or other goods, there are always plenty of people eager for these services. But when it comes to auto insurance and delivery drivers in Salt Lake City, there are plenty of important things to keep in mind. Car Insurance for Delivery Drivers in Salt Lake In today’s post, we’re going to discuss what kind of coverage you need as a delivery driver, as well as what’s covered, what’s not, and some other important considerations. Unfortunately, there are many cases where people don’t realize they don’t have the necessary coverage if they’re in an accident until it’s too late. Don’t miss the rest of this post to ensure you’re never caught without the coverage you need! Personal insurance versus commercial car insurance All too often, there are gaps between the coverage offered by delivery companies and how it extends to their employees. For example, a delivery driver’s auto insurance coverage could go into effect once they have picked up an order and are on the way to the customer. The problem is, they are left to their own devices if they’re in an accident on the way to pick up an order. Now, what does this mean for delivery drivers? First and foremost, they need to get very clear on what their current policy covers....

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Car Insurance for College Students in Salt Lake City

There’s no question college students in Salt Lake City have a lot on their plate. Not only does school demand a lot of their attention, but they also have social activities and other responsibilities keeping them busy. But as busy as they might be, one thing they can’t afford to skip is being sure their car insurance is adequate and up to date. Car Insurance for College Students in Salt Lake City Whether you’re the parent of a college student or a student yourself, let’s talk about some specific car insurance considerations for college students. If you attend school away from home If you attend college away from home, you might think you need a completely new auto insurance policy. But what if your parent’s address is still legally your permanent address and you drive one of their cars? Well, as long as their insurance company is aware of this, the coverage will typically still extend to you. If, on the other hand, it’s your name on the car’s title and not one of your parent’s, you’ll need to get your own policy. Insurance discounts for college students Another important consideration is the insurance discounts that could apply to you as a college student. For most college students, there are many discounts they could be eligible for and they can be especially helpful for cash-strapped students hoping to save...

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What is a Car Insurance Grace Period?

A grace period can help you breathe a sigh of relief when you are late making a bill payment. When it comes to car insurance grace periods, they can vary from provider to provider. But it’s important to understand how they work, as well as the specific grace period (if there is one) with your policy. Otherwise, you risk serious consequences for missing your car insurance payment! What is a car insurance grace period? When it comes to car insurance, a grace period is a certain amount of time a car insurance company will give you after missing a car insurance payment before your policy is canceled for a late payment. There are all kinds of reasons policyholders might miss a payment. Sometimes, they simply can’t afford to make the payment or perhaps it slips their mind altogether. You’ll need to be sure of your specific grace period, but generally, it ranges from three to 30 days for most companies. Additionally, some companies allow the payment to roll into the next month, however you’ll then be subject to a late fee. Don’t miss your car insurance payments We understand that life happens, and sometimes it is difficult to make your payments. Whenever possible, give your insurance company as much notice as possible if you’re going to miss a payment. You may be able to make a payment arrangement and...

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Does Car Insurance Cover Basic Repairs?

When you get car insurance coverage, you usually already know it can cover the damage from accidents with other vehicles. But what about damage and repairs that come from other issues? Perhaps a lack of maintenance or regular wear and tear? Does car insurance cover basic repairs? Does car insurance cover repairs? This is a question we’re going to explore in today’s post, so you won’t want to miss it! Let’s start with the basics, including how auto insurance is something that’s required by law. The amount of coverage you’re required to have depends where you live, but in each state, it serves the same basic purpose. Having it means your insurance provider will help to pay for or cover any of the damages that may happen to your vehicle after you’ve paid your deductible. It also means other drivers aren’t left paying for damage to their own vehicle or property if you are at-fault for the damage in an accident. In Utah, you’re required to have: $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 Finally, 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. So,...

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