Buying More than the Minimum Auto Insurance: Protecting Your Entire Lifestyle

Whether you’re buying a brand new car or one that is new-to-you, in Sandy, UT the law only requires that your auto insurance meets minimum liability standards. It might be an affordable means to get your ride on the road, but should you have an accident, that insurance provides little protection for your savings account and lifestyle. Wasatch Preferred doesn’t want you to be uneducated when it comes to your auto insurance and what coverage is best for you.

Minimums Cover Just the Basics

If you are at fault in a fender bender, the minimum coverage will pay for repairs to the other vehicle and even an emergency room visit for the other driver’s bumped elbow. This doesn’t do anything for your vehicle. Even a minor repair will set you back a couple thousand dollars. If the other guy is driving a luxury sedan, it’s possible that your insurance won’t even take care of the fix to their car.

Comprehensive and Collision Help You Stay in the Game

When you add collision and comprehensive coverage to your policy, damages to your vehicle can be fixed when you pay a minimal deductible. When you have an unfortunate incident, which happens to everyone at some point, you won’t have to empty out your savings account to get your car back on the road.

Increase Your Liability Coverage and Leave Worry Behind

Medical bills have a way of skyrocketing when somebody gets seriously injured. When you raise your liability coverage, your insurance is able to cover the costs of surgery and expenses, instead of passing those costs along to you. Your children’s college funds or the family vacation savings can stay intact. It certainly removes some of the stress involved when you are in a major traffic incident.

Talk to our agents at Wasatch Preferred about all the options for your Sandy, UT auto insurance coverage today. You can also visit our website to try our online rating tool for all your auto insurance quote needs.

Is It Okay to Freeze Your Auto Insurance?

One of the worst things you can do when it comes to auto insurance is to not have it. Yes, you read that right. It is better to keep a policy with a minimum coverage amount than to not have one at all. Now, this simply isn’t possible because you may not have a vehicle to insure, but if you can, you should keep a policy on one for as long as possible. Wasatch Preferred in Sandy, UT has some commonly asked questions when it comes to not having insurance for your car that we are here to answer:

What happens when you don’t have insurance on a car? 

When you don’t have an auto insurance policy on a car in Utah, this reflects poorly on your quotes. The longer you have gone without insurance, the higher your premium will likely be. Shopping for quotes means you will have to answer several questions, with one of them being if you already have an existing auto insurance policy. You want to be able to answer ‘yes’ to this question. 

Is there a way to freeze auto insurance?

Yes, there is a way to freeze auto insurance in Utah. This means you are able to keep the policy on a car without it being active. What does this mean? It means you will not drive the car, nor will you have any type of coverage on it if you do decide to drive it and get involved in an accident. Freezing the policy, however, means that you will not have a lapse in coverage, which reflects well on you. Freezing a policy will help ensure your rates don’t go up if you have to go through a period of time in which you don’t actually need insurance. 

To learn more about freezing your auto insurance, contact Wasatch Preferred serving the Sandy, UT area. Also, try our online rating tool to find quotes from home on your auto insurance.