Car Insurance

Salt Lake City, UT Car Insurance

What Every Driver Should Know About Salt Lake City, UT Car Insurance

Finding the right Salt Lake City, UT car insurance provider is easy if you do some homework. No one policy is suitable for every driver, as each individual has different needs and a different track record. Car sizes are different, and so are budgets. A competent insurance provider will work with their client to find them the best policy for them. A smart shopper doesn’t rely on the competence or integrity of their salesman however; they take matters into their own hands. This article is written with one purpose in mind – to show you how to take control so that you find the best provider of Salt Lake City, UT car insurance.

What Influences the Cost of Auto Insurance in Salt Lake City, UT?

The rate you are charged will depend on several factors. The size of your car and its engine is one contributing factor, as is its value. If your car is only worth $2,000 or less, you may not even qualify for a policy. If you do, it may only be for third party coverage. If that is the case, at least you will be able to cover the cost of any third parties who are involved. The down side is that your vehicle and you ate not covered. Third party does protect you in the case of theft, but your car won’t be insured for more than it’s worth.

Your driving record will also influence how much you pay for car insurance in Salt Lake City, UT. Not just the cleanness of your record, but the length of your driving history as well. Young drivers with little or no track record will pay more simply because they are an unknown quantity. There is no way an insurer can assess their risk from their record, so they err on the side of caution and designate them as a high risk.

Older drivers get some credit for their clean records (no claims), but that works against them as well. Insurance companies figure that the longer a person goes without making a claim, the more likely they will be to do so at some point in the future. It’s a no win situation for drivers, but at least some credit is given for a clean record.

Additional Drivers

If you want to add additional drivers to your car insurance in Salt Lake City, UT the cost of your policy will rise accordingly, especially if they are young drivers, or adult drivers who have previously filed claims. If there is someone who uses your car only on the odd occasion, such as a daughter or son who takes it out on weekends, you can take out a policy that covers just those times. It is much cheaper, although it is restrictive as the other driver can only drive during the period covered.

If there are no claims filed on your policy for five years or longer, the cost will decrease. Some companies selling auto insurance in Salt Lake City, UT may not allow the records of additional drivers to influence a no-claims bonus, so search around for one who does.