Choosing the right car insurance policy compels drivers to evaluate several factors to be able to choose one insurance policy over another. As you may expect, every state, including Lehi UT, has a minimum legal requirement as regards car insurance. Hence, driving a car in any state without insurance puts the driver at the risk of legal consequences.
Driving a car requires a driver to get car insurance, but drivers do find it difficult to choose the right insurance policy due to the so many options on the market. Getting car insurance is quite expensive, so you must make it as cheap as possible. To do this, you need to consider several price offerings from various auto insurance companies in Lehi, UT.
Auto insurance companies in Lehi, UT, provide quality auto insurance coverage and a wide variety of insurance policy options, incentives, and discounts that cut across various budgets. However, the price of these auto insurance coverage depends on so many factors such as the coverage limit, type of policy needed, preferred company, area where the vehicle is driven and registered, model of vehicle, and so on. Some models and makes of vehicles do have their own auto insurance rate structure, so the insurance provider may not be able to modify such rate structure.
The Best Cheap Car Insurance Companies In Lehi UT
In your search for the best auto insurance companies in Lehi, UT, you have to make sure you are purchasing from a reputable car insurance company and, most importantly, that you’re not overpaying for such coverage. The best way to go about this is to make a price comparison among the best car insurance companies in Lehi, UT.
Some insurance companies are known to offer better insurance rates than others due to one factor or another. So to get the best rate, you must make various price comparisons. However, to know if a car insurance company must provide great customer service, be experienced, various discounts, a wide variety of insurance coverage, and solid financials to disburse claims. Based on some research carried out, the USSA is considered to have the cheapest car insurance in Lehi, UT.
Asides from USSA, other insurance companies, are cheap and can as well serve Lehi, UT drivers adequately. The top best and cheapest car insurance in Lehi, UT include;
| Rank | Company | Annual Payment |
| 1 | USAA | $861 |
| 2 | Geico | $972 |
| 3 | American Family | $1,386 |
| 4 | State Farm | $1,471 |
| 5 | Progressive | $1,689 |
| 6 | Safeco | $1,892 |
| 7 | Auto-Owners | $2,154 |
| 8 | Travelers | $2,275 |
| 9 | Allstate | $2,389 |
| 10 | Nationwide | $2,461 |
| 11 | MetLife | $2,538 |
| 12 | Farm Bureau | $2,671 |
| 13 | Liberty Mutual | $2,789 |
| 14 | CSAA | $2,846 |
Personal situations do change over time, so be sure to always request personalized quotes so you can know when you qualify for some specific savings or discounts so you can adequately meet your personal needs. In your quest to find the cheapest auto insurance company in Lehi, UT, you put into consideration not only the insurance rates but also customer service reviews and financial strength scores.
By evaluating the biggest car insurance companies in terms of market share in Lehi, UT, you are on track to getting the cheapest car insurance. To shop for a better rate and policy, ensure you visit their quotes and take advantage of all incentives and discounts offered. The rates shown above are based on the study of the biggest auto insurance companies in Lehi, UT, using the profiles of specific drivers. Your rate is definitely going to differ.
Average Cost Of Car Insurance In Lehi UT
The average cost of car insurance coverage in Lehi, UT, is about $1,439 every year. That’s less expensive than the national average of $2,548 but more expensive than Utah’s average of $1,361.
Lehi Auto Insurance Requirements
Like most states in the United States, Utah has a minimum legal requirement for car insurance. To register and drive a vehicle legally on the roads of Lehi, UT, some liability coverages must be put in place, and these include;
- $25,000 per individual for bodily injury
- $15,000 for damage to property
- $65,000 for two or more individuals for bodily injury
- $80,000 single limit for damage to property and bodily injury
- $3,000 PIP
It’s always tempting to go for the minimum available coverage so you can earn the cheapest rates, but you could also benefit from high liability rates. When it comes to insurance, the more coverage you have, the less the likelihood of having to self insure in the event of an accident. In the case where you have a leased or financed vehicle, choosing full coverage insurance may be a requirement by your lender.
Who Offers The Cheap Car Insurance Rates In Lehi UT For Married Couples?
Among the largest auto insurance companies in Lehi, UT, Geico offers the cheapest auto insurance option for married couples residing in Lehi, UT. The table displayed below shows the average car insurance rates for married couples with two cars. The rates below are not constant and should only be used for proximate purposes. Your rate will vary.
| Company | Married couple rates |
| Allstate Insurance | $1,754 |
| Progressive | $1,892 |
| Travelers | $2,265 |
| Auto-Owners Insurance Co | $2,371 |
| Nationwide | $2,482 |
| Geico | $2,561 |
| American Family | $2,684 |
| State Farm Insurance Company | $2,769 |
Lehi UT Cheap Car Insurance Quotes For Young Drivers
As a young driver (driver in his/her 20s), getting cheap car insurance is quite difficult as insurance companies classify young drivers as high-risk drivers. Therefore, young drivers have to pay above the average for auto insurance. But with more experience on the road, the insurance rates tend to reduce with time.
To have a chance at getting cheap insurance as a young driver, you will need to check through a lot of quotes from various insurance companies. Some insurance companies have a better insurance rate for young drivers than others, and you just have to find such companies.
| Company | Annual Payment |
| Geico | $2,187 |
| Esurance | $2,361 |
| Travelers | $2,489 |
| Safeco | $2,562 |
| Progressive | $2,683 |
| State Farm | $2,785 |
| Nationwide | $2,892 |
| American Family | $3,176 |
Other strategies young drivers can employ, asides from shopping around to find the best insurance rate, include asking insurers for incentives or discounts or staying on parent’s policy to lessen their premiums. A student-away-from-home or good student discount can help to reduce young drivers’ premiums. Below is an estimate of the average insurance rate for young drivers
Lehi UT Car Insurance For Drivers With A Good Record
Having a clean driving record is one of the best things you can do for yourself. If you hold a clean driving record, you get to enjoy the lowest auto insurance rates in Lehi, UT. A clean record portrays you as being responsible on the road. No DUIs, no traffic infractions, or other violations tell insurance companies that they can trust you, hence a lower premium.
Full coverage is collision coverage, comprehensive coverage, and state minimum coverage combined. In comparison, comprehensive coverage reimburses drivers if their automobile is wrecked by a non-accident threat. General examples are burglaries, natural disasters, and fires.
| Insurance Company | Full Coverage |
| Amica Mutual | $2,165 |
| Homesite | $2,251 |
| Progressive | $2,289 |
| State Farm | $2,361 |
| Travelers | $2,432 |
| Acuity | $2,487 |
| Bear River Mutual | $2,563 |
| Horace Mann | $2,679 |
As mentioned above, a clean driving record will get you the lowest insurance rate possible. However, in the case where you have one or two minor violations, you can ask for the Accident Forgiveness discounts if your insurer offers one. This is a new type of discount, so many drivers might not be aware of it. If you apply for Full coverage, you might get to enjoy additional benefits such as ride-share coverage, full replacement cost, or roadside assistance. Also, the average insurance rates shown above is an estimate; yours will differ.
Cheapest Minimum Coverage For Young Good Drivers In Lehi UT
For minimum coverage in Lehi UT, the following companies had the lowest average rates for drivers with clean driving records at age 20:
| Company | Annual Payment |
| Geico | $869 |
| Allstate | $1,145 |
| Progressive | $1,194 |
| Travelers | $1,236 |
| Auto-Owners | $1,289 |
| Esurance | $1,371 |
| Nationwide | $1,438 |
| Farm Bureau Financial Services | $1,481 |
Many auto insurers offer discounts that cater to young drivers, including good student discounts, Discounts for young drivers who take a defensive driving course, Student away-from-home discount (if you are on a parent’s policy), Multi-policy discounts if you have renters or homeowners insurance. Shop around and Take advantage of discounts. Rates for young drivers may be more than most other age groups, but it’s still possible to find ways to save. Thus, the rates and averages shown above are only used as an estimate.
Best Coverage For Multiple Cars In Lehi UT Car Insurance
Discounts are often made available to car owners who insure multiple vehicles with the same insurance company. The average savings to be earned are listed below;
| Number of Cars | Insurance Cost |
| 2 Vehicles | $2,285 |
| 3 Vehicles | $3,492 |
| 4 Vehicles | $4,647 |
Once you’ve carried out proper research, compared various insurance rates, and evaluated various discounts, you can now purchase the cheapest and best insurance in Legi, UT. You should know that the cost displayed above is an estimate and does not reflect your actual rate.
Cheap Auto Insurance Quotes In Lehi UT By Age
Young drivers(teenagers and young adults) generally pay insurance rates that are much higher compared to adults as they are considered high-risk drivers and less responsible behind the wheel. In the case of middle-aged drivers, they pay lesser insurance premiums compared to teenagers but also have access to the cheapest insurance policy in Lehi UT provided they have a clean driving record.
| Age of Driver | Insurance Cost |
| 17-19 | $4,080 |
| 20s | $1,638 |
| 30s | $1,270 |
| 40s | $1,223 |
| 50s | $1,137 |
| 60s | $1,151 |
| 70s | $1,334 |
Teenage drivers in Lehi, UT, pay the highest insurance premiums, but as soon as they hit the age of 20, the insurance rate reduces drastically. Young drivers generally get into more automobile accidents than older drivers. Therefore purchasing comprehensive insurance coverage is far less expensive than paying out-of-pocket for the cost of repairs. Since car insurance rates are calculated based on personal factors, the rates shown above are only just an estimate.
Cheap Car Insurance In Lehi UT After A Car Accident
Drivers with an at-fault accident on their driving records in Lehi, UT, can get the cheapest insurance rates from insurance companies like State Farm, Progressive, and Farm Bureau. The average rate for at-fault drivers in Lehi, UT, is approximately $4,140 each year. But with the insurance companies mentioned above, at-fault drivers in Lehi, UT, get to pay as low as $3,186 each year — a difference of $954.
Insurance rates in Lehi, UT, tend to go up immediately after an at-fault accident by an average of 53% (from $2,715 each year to $4,140 each year). With an increased premium (almost doubled) after an accident, the need to compare quotes becomes important so you can get the best deal possible.
| Company | Average Rate |
| State Farm | $3,186 |
| Progressive | $3,257 |
| Farm Bureau | $3,293 |
| MetLife | $3,461 |
| Travelers | $3,572 |
| Nationwide | $3,671 |
| American Family | $4,189 |
| Allstate | $4,365 |
Lehi, UT is a “no-fault” state which implies that insurance firms do not consider who is responsible for the accident when making payouts. If you’ve previously had an at-fault accident in another state, your insurance company can make use of such information when determining your insurance rate. Please note that the cheapest insurer before an accident might not necessarily be the cheapest insurer after an accident. There are cases where drivers who enjoy the cheapest insurance rates need to change their insurance company to keep on enjoying similar rates once they get into an accident.
Cheap Car Insurance In Lehi UT After A Speeding Ticket
Usually, you get a speeding ticket when you drive above the speed limit; however, in some cases, you can also get a speeding ticket for driving way below the specified speeding limit. Whatever the case may be, speed violations are minor infractions.
Your insurance rates tend to increase after getting a speeding ticket, however, not as much as at an at-fault accident. While a speeding ticket causes an increase in insurance rate by $538, an at-fault accident causes an average increase in insurance rate by $1,437. For Lehi UT drivers with a speeding ticket shopping for cheap auto insurance, you can start by receiving quotes from Farm Bureau.
The research found out that the Farm Bureau insurance company charges 36% less than the city’s average seeing policyholders pay $2,096 each year for full coverage. Lehi, UT drivers who have been issued a speeding ticket can find the cheapest auto insurance below;
| Company | Annual Payment |
| Farm Bureau | $2,189 |
| Progressive | $2,361 |
| State Farm | $2,486 |
| MetLife | $2,671 |
| Travelers | $2,785 |
| Auto-Owners | $2,873 |
| Allstate | $2,962 |
| Nationwide | $3,284 |
Geico’s insurance rates for drivers with speeding tickets seem to be a lot cheaper when compared to other auto insurance companies. This vast difference is proof of why drivers must always compare insurance rates after getting—speeding ticket.
Cheap Car Insurance Companies In Lehi UT For Drivers With Bad Credit Score
| Company | Annual Payment |
| USAA | $1,359 |
| GEICO | $1,481 |
| Travelers | $1,672 |
| Allstate | $1,895 |
| Progressive | $1,972 |
| Nationwide | $2,187 |
| Esurance | $2,285 |
| Farmers | $2,367 |
Utah maintains the 16th position in the United States for the highest credit score, with residents having an average credit score of 716, according to Experian. This implies that many Lehi UT drivers have above the average credit score, but a low credit score could still increase your insurance rates. To get the best out of insurance quotes, ensure you always reexamine your insurance rates once your credit score is improved. Below are estimates of insurance rates for drivers with bad credit scores in Lehi, UT.
Cheap Auto Insurance Quotes In Lehi UT For Minimum Coverage
Minimum courage is usually not recommended because it does not cover all the costs incurred from a resulting car accident. However, it’s better than not having insurance at all, particularly if you can’t afford full or comprehensive coverage. To get the best auto insurance in Lehi, UT, you will need to compare insurance quotes from several auto insurance companies.
| Company | Annual Payment |
| Geico | $641 |
| Nationwide | $692 |
| Auto-Owners | $736 |
| Travelers | $785 |
| Allstate | $842 |
| American Family | $895 |
| Progressive | $938 |
| MetLife | $984 |
Depending on the insurance company you choose, type of policy, coverage amount, and a variety of other factors, your insurance premium will vary significantly. Remember to compare insurance quotes from various auto insurance companies to get the best option available.
Cheapest Car Insurance Companies In Lehi UT For Seniors
| Company | Annual Payment |
| USAA | $982 |
| GEICO | $1,289 |
| Progressive | $1,365 |
| MetLife | $1,471 |
| Auto-Owners | $1,563 |
| Esurance | $1,671 |
| Allstate | $1,782 |
| Nationwide | $1,896 |
As a senior driver looking to get the best auto insurance in Lehi, UT, you need to first get an appointment with your doctor to discuss your limitations and capability behind the wheel. After that, you can now search for various insurance companies and compare their quotes to make sure you’re getting the best rates. Seniors can also ask for discounts and incentives from their insurers to further beat down insurance rates.
Cheap Auto Insurance Quotes In Lehi UT After A DUI
Driving under the influence (DUI) is a serious traffic violation, and drivers who have such violations on their driving record pay higher insurance rates in Lehi, UT. Drivers with DUI violations pay an average insurance cost of $1,782 annually meanwhile drivers without DUI pay around $1,179 annually. In Lehi, UT, USAA offers the cheapest insurance rates to drivers with or without a DUI. On the other hand, Geico offers the cheapest insurance rate for Lehi, UT drivers with a clean driving record, while State Farm offers the cheapest insurance rates for drivers with a DUI.
The insurance companies below offer the cheapest car insurance rates for full coverage to drivers with a DUI in Lehi, UT.
| Company | Annual Payment |
| USAA | $1,349 |
| State Farm | $1,675 |
| Auto-Owners | $1,789 |
| Nationwide | $1,863 |
| American Family | $2,287 |
| Travelers | $2,361 |
| Allstate | $2,483 |
| Progressive | $2,674 |
DUI is a serious traffic violation, and the real cost can be far-reaching. In fact, some insurance companies do not insure drivers with a DUI. If you find yourself in a situation like this, you can consider seeking state-sponsored car insurance programs. Programs like these were established to ensure high-risk drivers while the risk is shared among several insurers. With a DUI violation, you may still be denied insurance coverage even with the insurance companies listed above. In case you get insured, note that the rates shown above are just an estimate. Yours will differ.
How To Get Cheapest Car Insurance Quotes In Lehi UT?
Getting the best and cheapest car insurance in Lehi, UT, is very feasible. There are several procedures and steps to follow that could assist you in finding the insurance coverage that matches your budget. It’s common for insurers to provide discounts and incentives for drivers who combine one or two policies. What this implies is that drivers in Lehi, UT, can enjoy amazing discounts if they can combine two policies, for example, their automobile policy and renter’s insurance policy with the same insurer. Student discounts are also made available to teenage drivers. Teenage drivers who can maintain an average of B will get to enjoy these teenage discounts.
To get the best auto insurance in Lehi, UT, the first step is to collect quotes from various insurance companies. By doing that, you’re able to compare various insurance coverage, premiums, and discounts. Every insurer has its rating procedures, so the best auto insurance differs from one person to the next. For instance, a driver with a clean driving record will get different quotes compared to a driver with multiple violations on his/her driving record. Collecting quotes from various insurance companies helps to easily determine which insured is best for you.
To keep your insurance rates low, ensure you maintain a clean driving record, increase your deductible and improve your credit score. Ensure to have all these conversations with your insurance agent before making any alterations to your insurance policy.
The best way to keep your insurance rates low is to keep and have a clean driving record. Accident history, a speeding ticket, or a DUI conviction on driving records are indications to a high-risk driver, so insurance companies are bound to charge high premiums. Accidents mean claims, and to cover the cost of such claims, insurance companies raise the premium of such drivers. Another way to reduce costs and get the best car insurance is through shopping. By checking out and researching many insurance companies, you can evaluate their quotes and compare them with one another to get the best coverage that matches your budget.
What Are The Different Types Of Lehi UT Auto Insurance Coverage?
Asides from knowing how car insurance works, it is also important that you know the different types of car insurance. In knowing the different types of car insurance, you will be able to adequately choose a coverage policy that is best for you and match your budget. Below are some of the basic types of car insurance, including their coverage and workings.
Original Parts Replacement
The original parts replacement insurance coverage guarantees that original car parts manufactured specifically by the manufacturer will be used to repair damaged vehicle parts from a covered accident.
In the case where original parts from the manufacturer are not available or no longer in production, your insurer will offer you an estimate that includes reconditioned or comparable parts.
Major Parts Replacement Coverage
This coverage helps to replace crucial parts such as brakes, batteries, and tires irrespective of the depreciation value of the vehicle at the time of the accident or wear and tear.
Personal injury protection insurance (PIP)
This insurance coverage helps to pay for loss of income and specific medical costs incurred from an accident. Personal injury protection insurance may cover up to 80% of medical and various expenses incurred from a covered accident, depending on the policy threshold.
Personal Injury Protection insurance is quite different from bodily injury liability insurance. The primary difference between the two is that while bodily injury liability insurance offers coverage for medical expenses of passengers and drivers in other cars for an at-fault accident, PIP offers coverage for your own expenses for an at-fault accident.
It is important to know that Personal injury protection insurance also offers some similar coverage as the Medical Payments policy. However, PIP only covers car-related injuries, which are sometimes excluded from health insurance policies,
Gap insurance
The value of a car depreciates quickly. In fact, a car starts to lose its value immediately after it leaves the dealership. The value of most cars appreciates by 20% within its first year. With this high rate of depreciation, an auto insurance settlement usually isn’t enough to cover all the expenses. However, by purchasing gap insurance, drivers get specific assistance to cover the payment of a car loan after an accident or theft.
Classic car insurance
Classic car insurance offers specialized insurance coverage to pay for the special and distinct needs of classic and vintage car collectors. Classic car insurance also offers coverage to other high-value cars like vintage military vehicles, hot rods, muscle cars, luxury, and exotic cars.
Classic car insurance encompasses coverages closely related to standard auto insurance like comprehensive, collision, bodily injury, property damage liability. However, different from the conventional car which insurance is based on their actual cash value, classic car insurance offers coverage for the car for a price that is agreed up by the insurance company and driver.
Comprehensive insurance
Comprehensive insurance offers additional coverage to drivers in the event of an accident affecting another automobile. It provides insurance coverage for car damage as a result of any events aside from collisions, such as accidents with animals, vandalism, and specific weather occurrences.
It is required on leased vehicles and on vehicles that are currently being paid for by a loan. Comprehensive auto insurance is supplementary, meaning it’s an optional coverage that can be added to an insurance policy.
Liability coverage
Liability insurance coverage is a basic legal prerequisite to drive a vehicle in most states in the US. Liability insurance offers insurance coverage to property damages and bodily injuries to others from an at-fault accident which you are legally responsible for.
Liability insurance comprises two types of auto coverage; Bodily injury liability protection and Property damage liability protection.
Uninsured motorist insurance
Underinsured motorist coverage is an extension to auto insurance coverage. It offers protection to both the driver and the vehicle against accidents and uninsured drivers. This insurance coverage is usually combined with underinsured auto coverage.
Underinsured motorist insurance
A lot of drivers opt-in for the minimum insurance coverage so they can save money. However, this coverage does not offer enough insurance. In the case of a collision with a motorist with minimum insurance coverage, the underinsured motorist insurance covers all expenses.
Medical payments coverage
The medical cost incurred after an accident is usually on the high side. The medical payments insurance may help cover those costs irrespective of who is at fault.
Medical payment coverage is optional car insurance, and it offers coverage for the policyholder, passenger, and any family member behind the wheel. This insurance coverage applies regardless of who’s at fault.
Roadside Assistance
Purchase either of the basic or premium Roadside Assistance insurance to earn an extended flat tire, towing services, and many more.
Collision insurance
Collision insurance offers coverage for damage to your vehicle following an accident that involves another vehicle. The insurance may also help to replace or repair a covered car.
In the situation where you are leasing your vehicle, collision coverage is usually needed by the lender, but if your vehicle is paid off, collision coverage becomes important.
Towing and labor insurance
Towing and labor coverage basically protect drivers against some hassles and expenses associated with usual roadside breakdowns such as flat tires, dead batteries, or embarrassing lockout.
The towing and labor coverage comes with comprehensive car insurance coverage. This insurance pays for low labor expenses to refurbish your car. Towing and labor insurance is optional insurance coverage.
Rental reimbursement insurance
The rental reimbursement insurance helps drivers move about in the aftermath of an accident. This insurance coverage pays for a rental car, provided your automobile is damaged and cannot be driven following an accident.
Rental reimbursement insurance is insurance coverage that is quite cheap and is a worthy investment for most drivers.
New Car Replacement
New car replacement insurance is not available in all states in the United States. In fact, the biggest auto insurance companies such as Geico, State Farm, Progressive, and USAA do not offer this insurance.
The new car replacement coverage reimburses the value of a brand-new automobile of the same model and make. However, it does not pay for the deductible in the situation where your car is affirmed as a complete loss.
Is Lehi UT Auto Insurance A No-Fault?
There are several cities, including Lehi, UT, in the state of Utah that obey and follow the “no-fault” system of car insurance. Under this system, your care insurance coverage (“personal injury protection” coverage in the case of Lehi, UT) pays for the medical cost and various out-of-pocket expenses incurred by any individual insured under this policy irrespective of who’s at fault for the accident. However, with no-fault coverage, you won’t be compensated for non-monetary damages and “pain and suffering” that stems from such an accident.
To be able to operate outside the no-fault system of car insurance and file a third-party lawsuit or insurance claim against the at-fault driver (so you can get compensated for non-economic losses and “pain and suffering”), your injuries or damages must reach a certain limit set by Utah’s State law.
Lehi, UT compels a minimum of $3,000 in no-fault coverage (also known as “PIP” or “personal injury projection”). As declared by the Utah Division of Motor Vehicles, all passenger’s vehicles must constantly maintain no-fault insurance for the entire registration period of the vehicle if;
- The owner/operator of the vehicle is a resident of Lehi, UT.
- the owner/operator of the vehicle is a non-resident who operates a car that has been physically present in Lehi, UT, for three months in the last 12 months. ( in a situation like this, the non-resident owner must uphold the no-fault insurance while the car operates with the state)
Please note that the no-fault system of car insurance in Lehi, UT applied only to bodily injuries caused by car accidents and not damages to the vehicle. A claim for vehicle damage can be filed against the at-fault driver with no limitations in Lehi, UT.
Ways To Reduced Rates In Lehi UT Car Insurance
Change your Auto Insurance Provider
Every car insurance company makes use of different metrics and approaches when determining insurance rates, and this is why quotes from one insurer differ from the next. In the long run, an insurer that provides the cheapest auto insurance for a specific situation may later go on to become expensive.
It’s always less stressful and so very tempting to stick with one insurance company, but that won’t do you any good over time. So consider receiving quotes from other insurers before you renew. You should definitely consider changing your auto insurance provider once you notice a significant increase in your insurance rate after a DUI conviction or accident.
Make inquiries about discounts.
Insurance companies offer an array of discounts that could significantly lower your premiums. Discounts are often made available for drivers who;
- Combine one or two other policies with car insurance. For example, homeowners insurance.
- Insure multiple vehicles with just one policy
- Possess a clean driving record.
- Subscribe to get documents online
- Make payment for a six-month or annual premium at once
- Have a vehicle with specific safety and anti-theft features
- Being too specific affiliate groups it professional organizations
There are so many discounts to enjoy with insurance companies. Just make sure you ask your agent if you qualify for any discount the insurance company is offering.
Keep a Clean Driving Record For a Couple of Successive Years
Having a clean driving record is the best thing you can do for yourself if you want to get the cheapest insurance in Lehi, UT. If you have a DUI conviction, are involved in an accident, or have a traffic infringement, insurance companies consider you as a high-risk and greater liability. This automatically translates to higher insurance rates.
Here are some tips to assist you in maintaining a clean driving record:
- Obey all traffic rules
- Always maintain and service your car to reduce the risk of accidents.
- Do not drive under the influence of alcohol or drugs.
- Reduce time spent behind the wheel. Spending less time driving reduces your chance of having an accident or violating any traffic laws.
Go For Less Car Insurance Coverage
Purchasing less auto insurance coverage would reduce your insurance rate. However, you must do so with caution. When you opt for less insurance coverage, then there’s a need to be extra careful behind the wheel. A moment of distraction could cause an accident, and if you’re at fault (or if the at-fault driver is uninsured), you might end up paying the huge debt since the less auto insurance won’t cover all damages.
To play safe, you can also purchase liability insurance coverage that is above Lehi, UT minimum limits to cover for some of the damages incurred in the event of an accident. You can also add the uninsured motorist coverage to meet the threshold of your liability coverage. These tips might only save you some dollars on auto insurance every month. However, with time, those small reductions could add up to a significant saving.
Improve Your Deductibles
When shopping for auto insurance, you have the chance to choose a deductible. A deductible is the amount of money you need to pay upfront in the event of a theft or accident before the insurer comes to save the day. Deductibles usually range between $250 – $1000, depending on your insurance policy.
The catch is, the lower your deductible, the higher your annual premium. Contrarily, the higher your deductible, the lower your annual premium. So make sure you make inquiries from your agent on how much effect an increase in your deductible will have on your premium. Increasing your deductible usually reduces your annual premium by some percentage, helping you save and put money back in your pocket.
Decrease Your Annual Mileage
Insurance companies generally do ask about annual mileage when purchasing insurance. This is to evaluate the average time you spend behind the wheel. Spending more time driving increases your chance of crashing. This means insurance companies consider drivers with high mileage a greater liability. Hence, they charge high insurance premiums. To this end, you need to reduce your mileage by spending less time behind the of you want to enjoy cheap insurance rates.
Buy a Car That Is Cheap To Insure
The model, make, and year of a car are all considered by insurance companies when calculating your premium. Hence, they have a significant impact on your car insurance rates.
Every car has different rates of theft and accident, which implies that a car can pose more liability than another. The cheapest vehicles to insure are those with low horsepower since the chances of them being involved in a speed-related accident are low. So try to buy a car with less horsepower and is rarely involved in an accident.
Good Drivers Car Insurance Discounts In Lehi UT
Auto insurance companies do reward good driving behaviors. So, if it’s been a long time (few years) since you committed a traffic violation or had an accident, you get to qualify for special discounts on your car insurance. Contact your agent and make inquiries on eligibility status and another discount available for good drivers to help lower your insurance premium. Some of these discounts are;
- Multi-Policy
- Hybrid/Alternative Fuel
- Advanced Shopping
- Passive Restraint
- New Car
- Anti-Theft Recovery Device
- Good Student
- Loyalty
- Distant Student
- Defensive Driving Course
- SMART Driver
- Accident-Free
- Home Ownership
- Anti-Lock Brake
- Full Pay
- Vehicle Safety
- Resident Student
- Utility Discount
Car Insurance Lehi UT Questions And Answered
How are premium rates calculated by insurance companies?
Insurance companies have a list of factors they consider to determine the insurance rates of drivers. These include age, residential area, driving records, credit score, driving frequency, the gap in insurance coverage, where you park.
What is Liability Insurance Coverage?
The liability insurance coverage pays for the cost incurred to others in the event of an at-fault accident. These costs range from medical expenses to repair costs of damaged vehicles. Liability insurance coverage features three important numbers; coverage for entire injury per accident, property damage coverage for every accident, and bodily injury coverage for each person.
Every state has specific regulations for minimums on car insurance. For instance, an insurance policy that offers coverage for 15/30/25 implies a maximum of $15,000 for each injured person, a maximum of $30,000 for every individual who sustains bodily injuries from the covered accident, and a maximum of $25,000 coverage for property damage.
Does Auto Insurance Cover Theft?
In the situation where your vehicle is stolen, there are several things to be done before you get reimbursed for your loss. You first need to file a police report and wait to see if the attempt at recovery is successful. If your vehicle is not found, you can then file a claim to your insurer, provided you have comprehensive insurance.
Due to many fraudulent claims witnessed by insurance companies, you will be required to fill and submit some paperwork to back your claim. And if you have the complete documentation for the stolen car, your insurance company will reimburse you for the value of your car to the comprehensive coverage limit.
Does my insurance cover me when I drive someone else’s car?
Ideally, the car owner’s insurance will cover other drivers unless their coverage insurance has expired or has been exhausted. In that case, your insurance policy (known as secondary coverage) will take effect. Note that auto insurance follows the car and not the driver. So before borrowing a friend’s automobile, make sure you ask if his/her car insurance is still valid.
How does car insurance work in Lehi, UT?
Auto insurance primary reimburses for damages caused by the driver. It covers medical expenses, repairs, and the replacement of damaged vehicles. There are lists of situations drivers get insured for, and insurance companies offer coverage if these situations transpire. There are various types of auto insurance for motorists in various states; this insurance coverage comes in different levels. In the United States, auto insurance is compulsory in 48 states, but the cost and requirement vary from one state to the next.
Do insurance companies offer driver improvement courses in Lehi, UT?
It has consistently been proven that drivers who partake in defensive driving courses have fewer driving arrests and collisions compared to drivers who don’t take the courses. To this end, insurance companies in Lehi, UT, offer discounts to drivers who take one or more of these courses. Contact your agent to get more information on how to reduce your insurance rate by participating in a driver improvement class.
Is buying Uninsured Motorist coverage important?
Many states do not compel drivers to have Uninsured or underinsured motorist coverage. However, if you’re not purchasing it, it means you are trusting every other driver to carry insurance, and that’s never the case. In a situation where an uninsured driver causes an accident, they become responsible for your damages, and if they can’t afford to purchase insurance, it’s less likely they can afford to pay for your damages. So Yes, buying Uninsured motorist coverage is important.
What ensues if my coverage expires?
You can’t afford your insurance coverage expiring in Lehi, UT. If you’re caught driving without insurance, your car registration and license may get suspended, and you’ll need to pay a huge reinstatement fee to get back your license. Being convicted of driving without a license is a class B misdemeanor in Legi, UT, and attracts a minimum fine of $400 and $1000 for the first and subsequent offense respectively within the first three years of the last conviction.
Can I combine my car insurance with another policy?
If you’re looking to get some discounts on your car insurance, bundling your car insurance with another policy is an excellent idea. However, don’t just assume that you’re getting a discount and saving money cause the quotes are reduced. You should make sure that you’re not foregoing other covers when bundling.
