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 [...]
Your unique insurance needs change every year. So do auto insurance 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 [...]
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 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 [...]
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 [...]
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 [...]
Getting your driver's license is a fun an 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 [...]
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 [...]
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 coverage you have on your own car will transfer to the rental car. With some exceptions. So, if you have comprehensive [...]
