Utah Car Insurance Company
A list of licensed Utah Car Insurance Companies can be found in the directory maintained by the Utah State Department of Insurance. Over 800 property and casualty insurers are licensed by the Utah State Department of Insurance. The Department is their regulatory agency and deals with complaints from customers and enforces insurance legislations.
Utah Car Insurance Company
Minimum Policy Requirements
The laws in the State of Utah expect insurance companies to adhere strictly to the terms of the policy and clearly state in simple language the limits of liability under the car insurance policy issued by them. All Utah insurance companies must cover a minimum sum of $25,000 for bodily injury per person, $50,000 per accident and $15,000 for property damage.
In addition, a $3,000 (PIP) Personal Injury Protection Payment must be made immediately by the insurance company because Utah is a no fault liability state. Uninsured coverage for $25,000 per person and $50,000 per accident is also required in the State of Utah and underinsured cover for $10,000 per person and $20,000 per accident is also legally mandated.
Insurance companies are required to give the department details of all car insurance policies issued and all car insurance policies renewed and the department maintains a database of insured vehicles to detect offences by uninsured drivers. Insurance companies are allowed to check the credit background of their customer to ascertain whether the customer is a high risk payment defaulter. All rates charged by the insurance companies and the basis on which the rates are charged should be deposited with the Department of Insurance.
Top Utah Car
Insurance Companies
The most popular car insurance companies operating in Utah are, All State, American family, Progressive, GEICO,USAA, Metropolitan, Mid Century, American National Property and Casualty Insurance Co, Western United Insurance Co and Safeco.
Utah Mutual Insurance
Companies
There are many mutual insurance companies that carry on the business of car insurance. State Farm Mutual, Liberty Mutual and Bear River Mutual are well known mutual car insurance companies that are licensed in Utah. These companies treat their policy holders as share holders and distribute a portion of their surplus profit as dividend. The payments are not contingent on the renewal.
Utah Car Insurance
Company Rates and Discounts
Insurance companies are given the freedom of charging different rates based on their actuarial experiences. They are allowed to give discounts on the counts of loyalty, the safety rating of the make of the car, the regulated low risk conduct of the customer, the place of residence of the customer, the security and anti theft features installed in the car, and the usage of the car. Some insurance companies have "pay as you use" rebates. Loyalty rewards also vary from insurance company to insurance company.
Compare Utah Car Insurance
Companies Side By Side!
Our Free car insurance quote tool is designed to choose from an array of licensed company quotes, based on the information entered in the accompanying form. The form asks questions to ascertain all the discounts rewards and requirements for reducing your car insurance premium.
Let us help you find the Utah car insurance company that is right for you. Compare multiple quotes from top Utah car insurance companies side by side to help you choose the policy you need.
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