It’s easy to find the right Salt Lake City, UT car insurance provider is easy if you know what to look for. There is no single policy that is perfect for every driver as various personal facts dictate what type of policy you qualify for, and how much you’ll pay for it. Things such as your age, sex, the type of work you do, and the type, size and age of your car all influence your insurance policy. The following information is written with one goal in mind – to help you find the best policy with the right provider of Salt Lake City, UT car insurance.
What Influences the Cost of Car Insurance in Salt Lake City, UT?
The value of your car plays a big role in determining which policy will provide you with the best value. If your car is valued at $2,000 or less, you may only qualify for third party auto insurance in Salt Lake City, UT. Third party insurance only provides coverage of accidents, particularly compensation for any third parties (other drivers, passengers, pedestrians) who are involved. This particular kind of auto insurance also covers you in the event your auto is stolen or receives fire damage. Automobiles valued below $1,000 are not insured as the annual payments exceed the value of the car.
Age is also an important factor when it comes to car insurance in Salt Lake City, UT. If you are a young person with little driving experience, you will have to pay more. This is because driving history plays a big role in determining insurance rates, and if you have no history, insurance companies assume the worst. Unfair maybe, but that’s the way it is.
Although the majority of providers consider the clean histories of older drivers, they still believe they are more likely to file a claim, and consequently can be charged higher rates. The up side to a long, clean driving record is that you may be entitled to better coverage with your Salt Lake City, UT car insurance policy.
Adding Additional Drivers to Your Salt Lake City, UT Car Insurance Policy
Adding additional drivers to your car insurance in Salt Lake City, UT will influence the cost of your policy. This is especially true if they are young drivers, or drivers with bad records. If you can avoid adding extra drivers you will save yourself a good deal of money. If someone only uses your car occasionally, like children during school holidays, or for instance if someone will use your car while house-sitting for you, you can take out a temporary policy to cover that period. There is an upside to adding experienced drivers, though it takes time to reap the rewards.
If you or any of the drivers you add to your policy file no claims for 5 years or more, your costs will come down. This is because insurance providers calculate that the longer you go without filing a claim, the less your chances of doing so in the future. Some providers of auto insurance in Salt Lake City, UT may not allow the records of added drivers to influence a no-claims bonus, so look for one who does.
Elizabeth Eisenhower recommends ASA Insurance in Salt Lake City Utah. ASA Insurance is the largest dealer of Progressive Insurance policies in the state of Utah and they are a leading provider of auto insurance salt lake city. ASA Insurance can be contacted directly at 801-486-7463.