Auto Insurance in Lehi, UT

Auto insurance is crucial as it can provide financial protection in case of accidents, theft or other unforeseen events. It can help you avoid significant out-of-pocket costs and stay compliant with state laws. That’s why it’s important to understand your options and obligations.

When You May Need Coverage

In Utah, auto insurance is generally mandatory for all registered vehicles. Drivers must have at least bodily injury, property damage liability and personal injury protection (PIP) coverage. Other optional coverages, such as comprehensive and collision insurance, may be beneficial depending on your needs and circumstances; lenders may require these coverages if you have a loan or lease.

Policy Cost Factors

Different factors can influence the cost of auto insurance in Utah. Your driving record, including any traffic violations or accidents, plays a significant role. The type of vehicle you drive, its age and its safety features can also impact your premium. Additionally, personal factors such as age, gender, marital status, claims history and where you live may affect your insurance rates. Insurance companies may offer discounts for safe driving, bundling policies, or installing anti-theft devices in your vehicle.

Common Auto Insurance Coverages

• Liability coverage may cover bodily injury and property damage to others if you are at fault in an accident.
• Collision coverage may pay for damage to your vehicle resulting from a collision with another car or object.
• Comprehensive coverage may cover non-collision-related damage to your vehicle, such as theft, vandalism or natural disasters.
• PIP may cover medical expenses and lost wages for you and your passengers, regardless of fault.
• Uninsured/underinsured motorist coverage may cover your losses if you are involved in an accident with an at-fault driver with insufficient or no insurance.

How to Find a Policy

Bergen Insurance Agency, LLC is standing by to help address all your auto insurance questions. Contact us today to secure a quality policy at an affordable rate.