Auto Insurance Coverage
Many people don’t understand the importance of having good auto insurance coverage. Proper Auto Insurance helps you pay for any damages you cause to other people and their vehicles. There can also be coverage for your own vehicle if it is damaged. With the rising costs of health care, you can easily see how low liability limits like 25,000, 65,000, or even 100,000 per person limits might not be enough.
Everyone deserves the benefits of having good vehicle insurance. Plus, being uninsured can get you in legal trouble. Driving without coverage can result in hefty fines in most states and the loss of your driver’s license.
Buying the wrong Auto insurance coverage can be expensive. Get the Inside Advantage with Inside Insurance. We’re here to help. As a broker contracted with multiple insurance carriers, we do all of the difficult searching for you. We’ll let you know what insurance carrier will provide you with the best value for your unique situation.
Just let us know a little bit about you and your goals and we’ll help you get started. Request a coverage review online with us today so you can find the auto insurance coverage policy that works for you and your lifestyle.
Questions about Auto Insurance
There are 3 ways you can add a new car to your auto insurance policy.
- Complete the Policy Change Request form on our website at https://insideinsuranceagency.com/service. Choose “Make a Change” and select “Add a Vehicle” or “Replace a Vehicle” and provide the details requested.
- Call our office during regular business hours, we’re happy to help. 801-505-4300
- Call your insurance carrier directly to add the vehicle. Their contact information can be found at https://insideinsuranceagency.com/insurance-companies
At Inside Insurance, we want to make sure you’re being well taken care of and that you have the ability to request changes to your policy in a convenient manner.
The standard answer is Yes… with some limitations. Your Utah Auto Insurance Policy allows for the permissive use of your vehicle (you gave them permission to drive it)
That means if you let someone borrow your car to run an errand, or use it temporarily, then your auto policy will cover them while they drive it.
The key here is the intent. If you give permission for them to use it on a one-off or temporary situation, there is coverage. If you are providing your vehicle to someone for regular or prolonged use, then you need to have that person added to your auto insurance policy.
Remember, coverage is limited to the actual coverage you have on your vehicle.
Your unique insurance needs change every year. So do carrier rates and pricing.
The best way to ensure you’re getting the best value for your insurance dollar is to work with an Independent Insurance Agency (like ours). As an Independent Agency, we have multiple carriers we can shop with to find the right fit for you.
Keep in mind, that although the price is important, having the proper coverage to protect what you’ve worked hard to earn has the highest priority.
Our process to provide you the best value includes
- Understanding your insurance needs.
- Recommending coverage options to protect you
- Shop with multiple carriers to find you the best value
- Re-visit your insurance needs every year
Remember, getting a good deal on insurance includes more than price. I’ve never talked to anyone after being involved in an accident and had them upset with me for recommending proper coverage. Protecting you properly as the best value is our primary focus.
There is no quick answer to this question that applies to everyone across the board. Each individual or family may have different circumstances that affect their insurance rates.
Here are 5 of the most common reasons we see your insurance rate increase.
1. Tickets & Accidents – Your driving record has the single biggest effect on the cost of your insurance. In fact, most carriers are now considering tickets and accidents for the past 5 years (some still only look 3 years back). When you get a ticket or are responsible for an accident, you will see an increase in your insurance rates.
2. Location – Insurance companies take into consideration many factors about where you live. Population, crime rates, housing density and other demographics will affect the cost of your insurance. Generally speaking, rural areas tend to be less expensive than metro areas.
3. Household & Vehicle changes – Adding or removing drivers and/or vehicles will change the cost of your insurance.
4. Carrier Changes – Insurance carriers re-visit their pricing model often to make sure they remain both profitable as well as competitive.
5. Discounts – Most carriers offer a variety of discounts based on household size, types of policies with that carrier, and how long you’ve been with the carrier. Some discounts, such as a new customer discount, will fall off after a few years.
We encourage all clients to view their policies every year with their agent to ensure they have the coverage they need and are getting the best value for it.
Getting your driver’s license is a fun and exciting time for many people.
When your child gets their learner’s permit, along with teaching them to drive, we encourage you to teach them about insurance. Insurance for a new driver can often be expensive. Most people are surprised by the increase, and most kids have no clue as to the costs. We welcome the opportunity to sit down with your new driver and explain the ins and outs of auto insurance and what they can do to minimize the cost.
For new drivers, you DO NOT need to list them on your auto policy while they have a learner’s permit; however, once they get their actual license, you need to have them added to your policy.
Making changes to your auto policy can be done online at our Client Service Portal. And of course, you’re always welcome to reach out by phone or email.
We all are budget conscious, especially when it comes to our daily living. Every prudent person should look for ways to save money on their everyday items.
There are several hundred factors that determine the rate you pay on your auto insurance. Some you can control, some you can’t.
Here are a few things you can do to save on your auto insurance:
- Maximise your policy discounts
- Maintain a clean driving record
- Pay your insurance bill on time
- Set up automatic payments (you often get a discount for this)
- Bundle your home and auto insurance with the same carrier
- Meet with your agent annually to review your needs – don’t pay for what you don’t need
Saving money is important. One thing you should never consider as a cost-saving method is reducing your coverage amounts. It may be tempting to take a lower liability limit on your policy to save a few bucks. But we’ve seen it time and time again where having a lower liability limit ends up costing you more in the long run.
Make sure you work closely with your Insurance Advisor to determine your coverage needs and put a plan in place to make sure those needs are met at the best available price.
Insurance companies determine the rates they charge on hundreds of factors. Age and value of a vehicle will affect the cost of insurance.
Generally, the value of a car diminishes as it gets older. This, in turn, diminishes the risk an insurance company has covering that vehicle, and hence you get a lower rate on an older car.
But that’s not always the case.
There are other factors besides age and value that determine the rate you pay and these changes can often offset the savings you see with an older vehicle.
This is one of our most often asked questions. In fact, we wrote a whole blog post all about it.
Rental car coverage can be a bit tricky, but the simple answer is the coverages you have on your own car will transfer to the rental car. With some exceptions.
So, if you have comprehensive and collision coverage on your personal auto, then you will have comp and collision coverage for the rental car.
There is never coverage for “loss of use” for the rental company. Meaning, if you wreck one of their cars, they won’t be able to rent it out while it’s being fixed. The rental car company will want to pass that loss on to you.
Also, if you are renting a car for business, there are additional limitations on coverage.
When in doubt, purchase the insurance from the rental car company. Then there will be no questions as to what is covered and what isn’t.
For additional information, check out our blog post or schedule a time to chat with your Agent.
Who is Inside Insurance?
Inside Insurance is a firm made up of independent auto insurance agents. Our team members aren’t loyal to a single auto insurance company; we scour the market in search of the perfect auto insurance plan that fits your needs.
While we do seek out the best deal for you and your family, we don’t just try to enroll you in the plan with the cheapest auto insurance quote. Many of these cookie-cutter plans don’t fit every person or family’s unique needs.
When we work with you, we get to know you. This helps us find a plan that fits your requirements.
Don’t settle for a captive insurance agent in Utah who works for a single company. These agents will try to sell you a company’s specific plan, even if it’s not what’s best for you.
Inside Insurance is the solution to auto insurance companies who have an ulterior motive: to sell cheap and incomplete policies quickly. Our only focus is finding you the perfectly-priced plan with the best coverages that meets your requirements.