Utah car insurance is a necessary part of being a responsible motorist, but drivers should understand the requirements and how to get the best car insurance for their budget. Whether you plan on buying full coverage car insurance or discount auto insurance, you must have coverage before operating a motor vehicle. In addition, your auto insurance must meet the minimum obligations. Before getting car insurance, motorists should compare plans and rates. Premiums vary depending on what your plan offers, your vehicle’s specifications, your personal information and your driving record. You can compare auto insurance rates here if you are not satisfied with your vehicle insurance choices after shopping around. Below you will find all the information you need to buy auto insurance in UT and what happens if you neglect to carry vehicle insurance.
Utah Car Insurance Requirements
Before you purchase auto insurance, it is important to know the minimum liability requirements that your plan must contain. Utah car insurance plans must provide the following.
- $25,000 per person for bodily injury liability
- $65,000 for two or more persons for bodily injury liability
- $15,000 for property damage liability
The auto insurance industry often refers to this obligation as 25/65/15, and that is how it may appear on your insurance card. Whether you are purchasing full coverage or discount auto insurance, this requirement is necessary. Additionally, because Utah is a no-fault state, all car insurance policies must also have $3,000 for personal injury protection. Remember that these values represent the minimum. If you are leasing or financing a vehicle, you will be required to get car insurance that is more extensive. The salesperson or lending institution will notify you of these insurance requirements. Furthermore, if you feel safer having more comprehensive auto insurance in UT, you can purchase a plan that offers more than the minimum requirements. To see all your options, start by comparing auto insurance costs.
Auto Insurance Rates in Utah
You may be wondering, “How much is car insurance in Utah?” if you are shopping for a plan. Car insurance prices differ depending on your driving record, credit history, demographic information and geographic location. Other items that affect your car insurance cost are the make and model of your vehicle as well as its features. If you decide to purchase bargain vehicle insurance, you may ask, “What is the cheapest car insurance?” You can save money by comparing auto insurance quotes when you research plans, and most vehicle insurance companies will provide quotes for you upon request. Motorists can also get car insurance quotes online here.
Penalties for Not Having Utah Auto Insurance
Motorists seeking Utah car insurance should be aware of the Financial Responsibility Law, which states that all drivers must be financially responsible in the event of an accident. The policy also allows law enforcement and other state officials to verify your vehicle insurance through a database. However, you should still carry proof of your car insurance when driving because law enforcement officers will ask to see it if you commit a traffic violation. In addition, if it cannot verify your car insurance, the Driver’s License Division will not permit you to renew your license or registration. Failing to have auto insurance could result in a fine, and amounts increase for second and subsequent offenses. If you are convicted for neglecting to insure a vehicle, your license will be suspended. To reinstate your license, you will have to prove you have auto insurance in UT and pay a fee.
Another reason to have auto insurance is to protect yourself from substantial out-of-pocket expenses if you are involved in a collision. Your UT car insurance will support you financially in the event of an accident or if your vehicle needs to be towed. The costs of vehicle accidents can add up quickly, especially if there are property or roadway damages, or if someone suffers injuries as a result of a collision. If you do not have car insurance, you could face all the penalties mentioned above, plus end up paying considerable fees.
If car insurance costs deter you from purchasing a plan, consider getting cheap car insurance quotes. There are many cheap auto insurance plans available to motorists who cannot afford a more extensive policy. Even the cheapest auto insurance plans have to meet the minimum requirements and will protect you in the event of an accident. Save money by comparing online car insurance quotes here.