It is very important to compare vehicle insurance quotes in Utah before making the choice of which company to use. Insurance can be tricky and difficult to understand because the state is one of the few with true no fault coverage. There are compulsory first party benefits that kick in when accidents occur and there are monetary thresholds on lawsuits. Understanding what this means to your insurance is important to grasp before you even begin to shop around.

Compare Vehicle Insurance Quotes in Utah: Required Coverage

In the state of Utah, the only required coverage is liability insurance. The law states that all vehicle owners must carry no less than $25,000 bodily injury per person; $65,000 bodily injury per accident; and $15,000 property damage per accident. You may opt for a single limit policy instead of the different policy limits. An even better option is to carry the levels of coverage that financial specialists recommend: $100,000 bodily injury per person; $300,000 bodily injury per accident; and $100,000 property damage per accident.

Personal injury protection or PIP is the other form of coverage that is required for drivers to carry in Utah. Essentially it protects them if they are hurt in an auto accident regardless of who is at fault. This is important because the delays that could arise during contention of fault can cause problems with medical expenses.

Compare Vehicle Insurance Quotes in Utah: Recommended Coverage

Recommended coverage goes far beyond the state requirements for minimum coverage. Since the state only requires liability coverage and PIP, it is in your best interest to learn about and invest in other types of coverage also in order to protect your assets.

Uninsured motorist coverage is very important for drivers to carry in case they are involved in an accident with someone who does not carry car insurance. While Utah is amongst the 10 lowest states for uninsured drivers, with only 8.2% without coverage, the risk is still enough to encourage drivers to carry UM insurance.

Personal property damage coverage should also be considered by car owners. In fact, if a car is still financed, such coverage is mandatory, according to the lender. Collision coverage is the form of personal property damage that covers at-fault moving accidents. Comprehensive coverage is the form of personal property damage that covers losses caused by named risks like theft, fire, vandalism and storm damage. A vehicle that is not financed does not need to carry such forms of insurance but if the value is high, it is recommended.

Other forms of insurance worth considering are towing and labor cost and rental car reimbursement. Both are very useful when you have a car that is unusable.

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