Frequently Asked Insurance Questions
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.
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.
The simple answer is YES!
The easy answer is, even if you’re not required to have it, I’d highly recommend you have it.
In fact, I can’t think of any reason why you wouldn’t want to have home insurance.
Back to the beginning. If you have a mortgage on your home, your lender will require you to have homeowner’s insurance.
When you reach that amazing point in life when you no longer have a mortgage on your home, you no longer have a requirement to have homeowner’s insurance; however, you should really place this requirement on yourself.
Here’s why. Your home is one of your largest investments and is worth hundreds of thousands of dollars. For a few hundred dollars per year, you can protect that investment from fire, vandalism, theft, and so much more.
So, even if it’s not a requirement from your lender, it is the very best thing you can do to protect your home and lifestyle.
Having to file a claim is never a fun event. This usually means something tragic, or at least, “not a good thing” has happened in your life.
This is exactly why you have insurance.
When determining whether or not you should file a claim, you should consider the following:
- What is the cause of the incident
- What is the severity of the incident
- How much time & money will it take to fix this
- What is my deductible
Once you know these 4 things, you can determine if filing a claim will be a benefit for you.
I always recommend consulting your Insurance Advisor anytime you are considering filing a claim. They will be able to walk you through these steps and help you determine if you should file the claim. If you do, they will also be there to walk you through the entire claims process.
Your ATV insurance policy will cover injury to other people and their property through the liability coverage on your policy. If you have comprehensive and/or collision coverage, you will also have coverage to fix your own ATV.
The cost of ATV insurance will vary depending on the year, make, and model of the ATV.
The cost of ATV insurance depends on several factors, similar to auto insurance. The price you pay will be determined by the year, make, and model of the ATV you want to insure. Your own driving record, credit score, and garaging address will also affect the price of your ATV insurance.
ATV Insurance typically offers liability coverage as well as coverage for the ATV. Liability coverage protects other people if you are at fault for causing harm to other people or other property. Coverage for the ATV itself includes comprehensive and collision coverage. These are typically subject to a deductible.
The cost of hazard insurance or homeowners insurance for a condo in Utah will vary depending on the coverages selected and the amount of insurance purchased. The endorsements you select to enhance your condo home insurance will also play a role in determining the price you will pay.
On average, we see clients paying close to $20 per month for their HO-6 condo insurance policy.
We always recommend purchasing enough dwelling coverage to meet or exceed your condo HOA’s master policy deductible. In Utah, this is typically $10,000 but can vary from one condominium association to another.
We also recommend that you include the Loss Assessment endorsement on your Condo HO-6 insurance policy. This will provide you coverage for losses assessed by the homeowners association.
Condo Insurance In Utah can be purchased for as low as $10 per month for lower personal property and liability coverage and can be as high as $50 per month, or higher, depending on the amount of coverage selected.
Because each individual or family, and each condo association is different, we advise working with an insurance professional to help you determine the amount of dwelling coverage, personal property coverage, and liability coverage needed for your specific needs.
Inside Insurance
 801-505-4300
You can file a claim with Encompass Insurance by calling 800-588-7400 or start a claim online at https://encompassinsurance.com/claims.aspx
You can file a claim with Foremost Insurance by calling 800-527-3907 or start a claim online at https://foremost.com/claims/
You can file a claim with GainsCo Insurance by calling 866-424-6726 or start a claim online at https://www.gainsco.com/customers/report-a-claim/
You can file a claim with Kemper Insurance by calling 888-252-2799 or start a claim online at https://www.kemper.com/wps/portal/KemperPreferred/Home/ClaimsCenter/ReportClaim/
You can file a claim with MetLife Insurance by calling 800-854-6011 or start a claim online at https://www.metlife.com/insurance/life-insurance/service-and-claims/
You can file a claim with Nationwide Insurance by calling 800-421-3535 or start a claim online at https://www.nationwide.com/insurance-claims/
You can file a claim with Progressive Insurance by calling 800-274-4499 or start a claim online at https://account.progressive.com/access/login?fd=AuthKeyClaimService&cntgrp=A
You can file a claim with Progressive Home by calling 800-776-4737 or start a claim online at https://account.progressive.com/access/login?fd=AuthKeyClaimService&cntgrp=A
You can file a claim with SafeCo Insurance by calling 800-332-3226 or start a claim online at https://fileaclaim.safeco.com/
You can file a claim with StateAuto Insurance by calling 800-766-1853 or start a claim online at https://www.stateauto.com/Claims
You can file a claim with Stillwater Insurance by calling 800-849-6140 or start a claim online at https://stillwaterinsurance.com/main/claims
You can file a claim with Sublimity Insurance by calling 800-424-2491 or start a claim online at https://www.sublimityins.com/index.php?r=site%2Fclaimlanding
You can file a claim with Travelers Insurance by calling 800-252-4633 or start a claim online at https://www.travelers.com/claims/report-claim/index
You can file a claim with United Insurance Group by calling 801-226-2662 or start a claim online at https://www.uuinsurance.com/NewClaim.php
You can get a copy of your auto insurance cards directly from Mutual of Enumclaw at https://mp.mutualofenumclaw.com/Account/Login?ReturnUrl=%2f.
You can also reach out to your local insurance advisor during office hours to get a copy of your auto id cards.
At Inside Insurance, you can access your auto insurance id cards anytime by visiting our Client Center.
You can file a claim with Dairyland Insurance by calling 800-334-0090Â or start a claim online at https://my.dairylandinsurance.com/web/login.
If you own a condo and live there as your primary residence, you need to have an individual condo insurance policy. This is similar to a homeowner’s insurance policy but is specifically designed for Condo Owners.
An individual condo insurance policy is known as an HO-6 policy, or HO6 condo policy.
The Homeowners Association (HOA) will carry a master insurance policy that will cover the dwelling structure of the condo units. Your HO-6 policy will offer some dwelling coverage, but will primarily provide coverage for your personal property as well as liability coverage. There are additional coverages that should be added to all condo insurance policies, such as loss assessment coverage.
If you own a condo that is used as an investment property (rented to others), you will need a landlord condo insurance policy.
You can file a claim with United Heritage Insurance by calling 800-877-8862 or start a claim online at https://www.unitedheritagepc.com/index.php?r=site%2Fclaimlanding
You can file a claim with Chubb by calling 866-324-8222 or start a claim online at https://www.chubb.com/us-en/claims/
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.
There are 2 ways you can file a claim with Inside Insurance.
- Â File the claim directly with the insurance carrier. Their contact info is available at https://insideinsuranceagency.com/claims. Most carriers are available 24 hours a day. Call them whenever it is convenient for you.
- Our Team at Inside Insurance can assist you with filing the claim. That’s what we’re here for. Either give us a call at 801-505-4300 or fill out the form at https://insideinsuranceagency.com/claims and we’ll get your claim submitted for you.
Once the claim is filed, an adjuster will be assigned and they’ll be in touch to work out the details.
You can contact Inside Insurance on our website at https://insideinsuranceagency.com
Our office phone number is 801-505-4300
Our office SMS Text number is 385-355-6543
Our fax number is 801-505-4301
You can email our Service Department at [email protected]
You can reach an Insurance Advisor at [email protected]
There are 2 ways you can pay your insurance policy with Inside Insurance.
- Call your insurance carrier directly, their contact info is available at https://insideinsuranceagency.com/billing. They are generally available 24 hours a day for your convenience.
- Our Team at Inside Insurance can assist you with your payment during office hours. That’s what we’re here for. Give us a call at 801-505-4300 and let us know how we can help.
The phone number for Inside Insurance is 801-505-4300
Having as much information as possible at the time you file your claim can help make the process go smoother.
Here are the basic questions that will be asked when you file a claim.
- Your name, address, email address, and telephone number(s)
- Your policy number
- Date and time of the incident/loss
- A brief description of the incident/loss
- Contact information from anyone else involved in the incident
You will be given a claim number and your claim will be assigned to a claim adjuster who will guide you through the process.
Yes, Mutual of Enumclaw does offer roadside service as a part of their Member’s Best auto policy. It is also an available coverage option on their standard auto insurance policy.
You can reach the billing department of Mutual of Enumclaw at 800-366-5551 or you can pay your bill online at https://pqp.mutualofenumclaw.com/Step1.aspx
You can file a claim with Mutual of Enumclaw by calling 877-425-2580 or start a claim online at https://mp.mutualofenumclaw.com/Account/Login?ReturnUrl=%2f
You can also report a claim by texting NEW CLAIM to 360-234-4100 (message and data rates may apply)
Your ATV insurance policy will cover injury to other people and their property through the liability coverage on your policy. If you have comprehensive and/or collision coverage, you will also have coverage to fix your own ATV.
The cost of ATV insurance will vary depending on the year, make, and model of the ATV.
The cost of ATV insurance depends on several factors, similar to auto insurance. The price you pay will be determined by the year, make, and model of the ATV you want to insure. Your own driving record, credit score, and garaging address will also affect the price of your ATV insurance.
ATV Insurance typically offers liability coverage as well as coverage for the ATV. Liability coverage protects other people if you are at fault for causing harm to other people or other property. Coverage for the ATV itself includes comprehensive and collision coverage. These are typically subject to a deductible.
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.
The simple answer is YES!
The easy answer is, even if you’re not required to have it, I’d highly recommend you have it.
In fact, I can’t think of any reason why you wouldn’t want to have home insurance.
Back to the beginning. If you have a mortgage on your home, your lender will require you to have homeowner’s insurance.
When you reach that amazing point in life when you no longer have a mortgage on your home, you no longer have a requirement to have homeowner’s insurance; however, you should really place this requirement on yourself.
Here’s why. Your home is one of your largest investments and is worth hundreds of thousands of dollars. For a few hundred dollars per year, you can protect that investment from fire, vandalism, theft, and so much more.
So, even if it’s not a requirement from your lender, it is the very best thing you can do to protect your home and lifestyle.
Having to file a claim is never a fun event. This usually means something tragic, or at least, “not a good thing” has happened in your life.
This is exactly why you have insurance.
When determining whether or not you should file a claim, you should consider the following:
- What is the cause of the incident
- What is the severity of the incident
- How much time & money will it take to fix this
- What is my deductible
Once you know these 4 things, you can determine if filing a claim will be a benefit for you.
I always recommend consulting your Insurance Advisor anytime you are considering filing a claim. They will be able to walk you through these steps and help you determine if you should file the claim. If you do, they will also be there to walk you through the entire claims process.
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.