Salt Lake City Auto Insurance

Discover a Broad Range of Car Insurance Solutions for Every Budget

Salt Lake City Auto Insurance

Discover a Broad Range of Car Insurance Solutions for Every Budget

Car Insurance You Can Count On

Car insurance in Salt Lake City is not only legally required, but it’s also something that brings drivers a lot of comfort each time they get in their vehicle. Whether you’re out on Utah roads or driving across the country, knowing you have the right auto insurance in place to offer you the protection you need gives you the peace of mind you deserve.

What Kind of Car Insurance Coverage Do You Need?

Every state has different insurance requirements for their drivers—but is the legally required minimum enough for you? The truth is, most drivers benefit from more thorough auto insurance.

Salt Lake City drivers tend to choose full coverage policies that not only include the legally required insurance but also include comprehensive and collision insurance. That way, they will have insurance coverage for their own damages, rather than just liability coverage for another driver’s damages if they are at fault.

This all comes down to what’s in each policyholder’s best interest—and that’s what matters to us. We will never recommend more coverage than you need, and we work hard to find coverage you can afford.

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    Types of Car Insurance in Salt Lake City

    We offer all of the car insurance options you could need in Salt Lake City. Auto insurance policies we offer include:

    • Liability coverage: This is legally required auto insurance in Salt Lake City, and it applies if you’re at fault in a car accident. This coverage goes toward the cost of legal expenses resulting from damages caused to other drivers, passengers in other vehicles, pedestrians, or property, up to the limits of your policy. 
    • Collision insurance: This pays for damage to your own vehicle in a collision with another vehicle, an object, or if it is in a single-vehicle accident such as a rollover.
    • Comprehensive insurance: This pays for damage to your car in events not relating to collisions, such as vandalism, theft, fire, and storm damage.
    • Uninsured/Underinsured Motorist: This pays for injuries sustained when another person is at fault without adequate or any insurance coverage. This coverage isn’t legally required in Utah. However, if you do purchase it, you must buy at least $25,000 per person or $50,000 per accident.
    • Personal Injury Protection (PIP): It’s also known as no-fault coverage, and this coverage pays for medical expenses and loss of income as well as funeral expenses for policyholders and passengers.
    • Commercial auto insurance: This coverage applies to the business use of vehicles, whether it is using a personal vehicle for personal use or using vehicles specifically for business use.

    How Can I Get a Discount on my Car Insurance in Salt Lake City?

    We’re glad you asked! If you’re curious about the types of auto insurance discounts you might qualify for, take a look at some of the most common discounts, and be sure to talk to us so we can help you determine which ones might apply to you:

    • Multiple vehicle discount: For drivers who insure more than one vehicle with the same provider.
    • Multiple policy discount: Savings for policyholders who bundle their auto insurance with their home insurance.
    • Safe driver discount: Drivers who maintain a safe driving record for a certain period of time are often eligible for a safe driving discount. Additionally, drivers who successfully complete a safe driving course could also be eligible for this discount.
    • Good student discount: High school students who maintain a certain grade-level average can often apply for a good student discount on their car insurance policy.
    • Non-drinking discount: Some drivers who abstain from alcohol are eligible for this discount on their car insurance policy. 

    While these discounts don’t apply to anyone, they can be an effective tool for getting a better rate on your coverage. We’re always here to help with that, too! Talk to an agent at ASA Insurance today to help you find the best combination of coverage, pricing, and service. 

    Call us today at 801-486-7463 to discover your options for finding affordable auto insurance in Salt Lake City or anywhere you live in the state of Utah – we can help.

    Why Choose Us?

    When you choose ASA Insurance as your provider for auto insurance in Salt Lake City, you’ll know you’re entrusting this important service to industry professionals with your best interests in mind. We have been finding insurance policies for Utahns since 1950, including home insurance, commercial insurance, and car insurance. Salt Lake City is our home, and we take finding insurance coverage for our neighbors very seriously.

    Auto Insurance FAQs

    How much should I be paying for car insurance in Utah?

    The cost of car insurance in Utah varies based on a number of factors. For example, a basic liability policy will cost less than full coverage policy that includes comprehensive and collision insurance and offers more protection.

    The good news is, auto insurance in Utah tends to cost a bit less on average than it is throughout the rest of the United States. For a basic policy with just the state-required insurance in Utah, policies average about $332 per year. Alternatively, a full coverage policy costs an average of $1186. Keep in mind, these are just averages which mean many people pay more and many people pay less.

    It’s important to work with an experienced insurance company you trust that can help you find the right balance of cost and coverage in the appropriate policy for you.

    Why is car insurance so high?
    Car insurance rates vary based on a number of factors. These include: your driving history, the vehicle you drive, your age, where you live, common claims near where you live, industry trends, and many other things. Rates also go up over time simply because cars are worth more and there are more risks, drivers on the road, claims, and distractions than ever.

    If you’re wondering why car insurance rates are so high, it’s helpful to consider what you’re getting in return for your premium. For example, let’s say you pay $2000 a year for a full coverage policy. Then, you’re in a collision with resulting damages totaling more than $15,000. Your policy covers all of these damages except for the deductible.

    When you compare your premium to the potential costs of an accident or another costly event, these prices don’t seem as high.

    That being said, there are still many things you can do to help lower the cost of your insurance. First and foremost, maintaining a safe driving record for as long as possible.

    Here are some other options:

    Speaking to your insurance company about discounts you’re eligible for
    Taking an accredited safe driving course
    Paying annually rather than monthly
    Shopping around for the same or better coverage at a better price

    Does car insurance cover a stolen vehicle?
    If you only have the state-required minimum insurance in Utah, it will not cover a stolen vehicle. Instead, you’ll want to have comprehensive insurance coverage on your policy. It can cover the costs associated not only with vehicle theft, but also a number of other damages, including storm damage, vandalism, and damage from falling objects.
    Who has the cheapest car insurance in Salt Lake City?
    ASA Insurance offers some of the cheapest car insurance in Salt Lake City. However, we encourage you to consider what you’re getting in exchange for very low car insurance payments. You want to be sure you’re striking the right balance of a price you can afford with a policy that offers you adequate protection. At ASA Insurance, we’re experts at striking this balance and we look forward to doing the same for your policy.
    How much auto insurance do I need in Utah?

    This is a great question to ask! It’s also important to consider what is legally required versus what provides you with the protection you need to save you from extreme financial hardship if you were to go without coverage.

    In Utah, these are the state-required auto insurance minimums your policy must include:

    • $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 a driver decides to purchase underinsured or uninsured motorist coverage, it is required by Utah law to have at least $25,000 per person and $50,000 per accident.

    However, most drivers benefit from also adding comprehensive and collision insurance coverage to their policy, otherwise they’re left paying for their own damages from their own pocket.

    Does my auto insurance cover rental cars?
    In most cases, the answer is yes, auto insurance does cover rental cars. However, this isn’t a hard and fast rule which means it’s incredibly important to contact your insurance company first if you plan to forgo the insurance coverage offered at the rental car counter. Otherwise, if you’re in an accident or something else happens, you might be left without coverage.
    How do car insurance deductibles work?
    Car insurance deductibles came about as a way to split some of the risk between policyholders and insurance companies. Essentially, they act as a safeguard that prevents drivers from making unnecessary claims because they know they’ll need to make a payment from their own pocket in order to receive compensation from an insurance company.

    Let’s say your deductible is $500. This means, if you make a claim, you will need to pay $500 before your coverage kicks in and your insurance covers the rest of the damage. So, if your total damages are $10,000, you would be responsible for paying the $500 deductible, and your insurance policy would cover the remaining $9,500.

    How much is car insurance for an 18-year-old?
    Car insurance for an 18-year-old in Utah tends to cost more than it would for a 45-year-old driver, for example. This is true for a few reasons. For starters, drivers between the ages of 18-25 are statistically more likely to be in a car accident than older drivers. Further, young drivers haven’t had the time to build up years of a safe driving record that results in lower premiums.

    All of that being said, there are still plenty of ways to get an affordable car insurance policy for an 18-year-old, and we look forward to helping you find one!

    Does car insurance cover theft?
    If your vehicle is stolen and you only have the legally required auto insurance in Utah, theft is not covered. For auto theft to be covered, you will need to have comprehensive insurance on your policy which is something that’s beneficial for most drivers.
    What does full coverage car insurance cover?
    In Utah, full coverage car insurance means a policy includes not only the legally required state minimums, but also includes comprehensive and collision coverage.

    Collision coverage, as its name suggests, is meant to cover the damages resulting from collisions, including single and multi-vehicle collisions and vehicle rollovers.

    Comprehensive coverage covers just about everything else not relating to collisions, including theft, vandalism, storm damage, and damage from falling objects.

    Will my car insurance cover damage from an earthquake?
    Does your car insurance policy include comprehensive coverage? If so, this likely includes insurance for earthquakes, as well as damage from other catastrophic natural events. However, if you only have the basic liability coverage required in Utah, this will not include earthquake damage. Be sure to speak with your insurance provider about adding comprehensive coverage to your policy if you want coverage for earthquakes, storms, vehicle theft, vandalism, and other damages not relating to collisions.
    What is a good deductible for auto insurance?
    A good deductible for car insurance in Salt Lake City will be based on how much you can afford. When considering your deductible, you must think about what would happen if you were involved in an accident and how much you would be able to pay. The amount you choose for your deductible will impact your rates. Call ASA Insurance to find out how these deductibles change your monthly premiums, so you can select a plan you can afford.
    What is the average auto insurance cost for a 16-year-old girl or boy?
    Just like with any other driver, costs for teen drivers can vary widely. Some insurance companies offer discounts for good grades or for completing driver safety courses. Generally, a boy will have a higher rate than a girl, but this may not always be the case. Multiple factors go into determining rates besides age. To get the most accurate information, it’s best to contact ASA Insurance for auto insurance quotes in Salt Lake City to find out how much your teen driver can expect to pay.
    What is a good auto insurance agent near the Salt Lake City area?
    As an independent insurance agent provider, ASA Insurance can match/meet all of your auto insurance needs. You can contact us for a quote or to answer any questions you might have about insurance coverage. If you’re looking for car insurance in Salt Lake City or anywhere in Utah, you can find competitive rates with ASA Insurance.
    What is the average cost for auto insurance in Salt Lake City?
    The average cost of auto insurance in Salt Lake City or anywhere in Utah will vary based on several factors. For instance, your age and gender will impact your rates as well as any traffic tickets or claims you’ve had in the past. Even what model of car you drive will influence how much you must pay for car insurance. To get an idea of your costs for insurance, you can contact ASA Insurance and ask for a quote.
    Where can I get an auto insurance quote online in the Salt Lake City area?
    While you can visit one of several online comparison sites for car insurance in Salt Lake City, you can get more detailed information with just a phone call to ASA Insurance. The staff can provide fast answers to multiple carriers because we are an independent agent and have access to several insurance providers. You also receive more personalized service than just filling out a form online.
    Where is the best place to compare auto insurance quotes in Salt Lake City?
    The best place to find auto insurance quotes in Salt Lake City is with an independent agent like ASA Insurance. We have access to multiple carriers that provide coverage in the area. We will provide you with multiple quotes rather than trying to steer you to one company. The staff will also ask the right questions to help you find the most affordable option for coverage. You can discuss deductibles and the amount of liability and comprehensive/collision coverage you need along with other types of coverage to ensure you not only have premiums to fit your budget, but that you have the right amount of insurance if you should ever need to use it.

    We’re Not That Far Away!

    For all of your commercial property insurance needs, ASA Insurance in Salt Lake City is just a phone call away! We’ve been finding commercial and personal insurance policies for our clients across Utah since 1949, and we look forward to doing the same for you.