Tips on Buying Auto Insurance in Salt Lake City

Every driver has to have auto insurance, but new drivers especially may be overwhelmed by the plethora of options there are. Then there is the lingo; legal and technical terms that not everyone might understand. Never fear, ASA Insurance is here, and we're going to help you with some friendly advice, tips, and facts that will help take some of the sting out of purchasing auto insurance in Salt Lake City.

How much coverage do you need?

In Utah, the minimum amount of car insurance required by law is: Bodily Injury Liability - $25,000 per person and $65,000 per accident, Property Damage Liability - $15,000 per accident, and Personal Injury Protection - $3,000 per accident. Beyond this minimum your needs may vary depending on your financial status and how much risk you are willing to shoulder. It is wise to include comprehensive insurance, especially if you drive a lot, own an expensive vehicle, or live somewhere with high crime rates or frequent severe weather.

What exactly does car insurance cover?

Exactly what is covered by a car insurance policy varies largely, depending on the type of policy. The most prevalent kinds of policy include bodily injury liability insurance, personal injury protection, property damage liability, comprehensive coverage, and uninsured or underinsured motorist coverage. The first htree types of coverage are required by law, the others optional but highly recommended.

Are you covered when driving someone else's car?

If someone else has a wreck when driving your car, or vice versa, whether the insurance company will honor the policy depends on the provider and the contract you have. Most companies will pay for damages according to the rules of the policy, but regardless, either the policy holder or the driver at fault will have to pay fir damages not covered under the terms. If there is someone who drives your car often you may want to consider adding them to your policy, and if you often borrow or rent a vehicle, a non-owner policy that will cover the difference may be a good option.

How is the price of auto insurance in Salt Lake City determined?

Insurance firms set the price of any policy depending on the particular individual's risk. Risk is determined by a number of factors, and can include driving history, vehicle type, personal attributes, geographical location, age, and even more, depending on the company. Thus, the same policy for twio different drivers can have two different prices. Types of coverage also determine the cost of your policy, though skimping on car insurance by only purchasing the minimum can come back to haunt you if something goes wrong on the road!

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities. Affordable rates and superior service for all home, auto and business/commercial insurance needs.

Asa Insurance provides excellent coverage for auto insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities. Affordable rates and superior service for all home, auto and business/commercial insurance needs.