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Sandy, UT 84070

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Auto Insurance in utah

A well-structured auto insurance policy will protect your vehicles, your family, and your finances. Get your car repaired/replaced, your family cared for, and avoid any lawsuit that may arise after an accident. Don’t wait until you have a claim to find out whether or not your policy is tailored to your specific circumstances. To learn more, click the helpful links below and call the professionals at Wasatch Preferred for an honest coverage review and competitive rates.

$100,000/300,000 This part of your policy pays for the other party's medical expenses (per person/per accident), but it's also designed to protect your net worth (assets - debt =net worth) in a lawsuit, so the first dollar amount shown, in this case $100,000, should be equal to or greater than your net worth. If your net worth is substantial, consider adding a Personal Umbrella Policy of $1,000,000 to $10,000,000, depending on your need,that will extend the policy limits on all your underlying policies-auto, home, boat, etc.

$100,000 This pays for the other party's property-their car, fence, sign... With a clean driving record, the cost difference for $50,000 vs. $100,000 in coverage can be as little as $6 a year. Be sure you are getting the most for your insurance dollar.

$100,000/300,000 This coverage pays for your medical expenses if you are injured by someone who does not have any auto insurance. Nationally, 1 in 8 drivers are not insured, that's about 12% of all cars on the road; and many more don't carry enough insurance.

$100,000/300,000 This coverage pays for your medical expenses if you are injured by someone who does not have enough insurance to pay for your injuries. Because some drivers don't purchase all the coverage needed to fully pay for injuries they cause to another driver, it's wise to keep your own UM/UIM coverages equal to your Liability Limits.

$3,000 PIP is medical coverage for you when you are "In, On, Around, Loading, Unloading, or Maintaining" your vehicle. PIP or Medical coverage is required by law in most states and can be increased up to $25,000 or more, if needed.

$500 A Collision loss is damage to your vehicle when you hit another vehicle or a fixed object. The deductible is the amount you pay before the insurance company pays their portion. The lower the deductible the higher the premium and vise versa. If you can afford a larger amount out-of-pocket at the time of an accident, you'll save on your premium by increasing your deductible.

$100 A Comprehensive loss is damage to your vehicle for nearly everything that isn't Collision. (It doesn't cover neglect, lack of maintenance, or intentional damage). Examples of a Comprehensive loss would be: hitting a deer, broken windshield, vandalism, theft of the vehicle, etc. Unlike Collision, if you raise or lower your Comprehensive deductible there usually isn't much of a change to your premium. Because of that, many drivers choose to have a Comprehensive deductible that's lower than their Collision deductible to better protect their vehicle at minimal cost.

$40/$1200 This coverage gives you money in your policy to rent a car when yours is being repaired for a covered loss, with a maximum daily amount (in this example, $40) and a maximum amount per claim. A covered loss is a Collision or Comprehensive loss as described above. Rental Car coverage, sometimes called Extended Transportation, Substitute Transportation or other similar description, is different than coverage you may need if you were traveling and wanted to rent a vehicle.

When renting a car while traveling, the coverage you have on your personal vehicles transfers to any private passenger vehicle you may rent, so if you carry the coverage above, including Collision and Comprehensive coverage (usually called "Full Coverage") on at least one vehicle you own, you may have enough insurance to satisfy the rental car company without purchasing insurance from the rental car company. Beware, however, that if you cause damage to a rented vehicle, the rental company may require you to pay for "Loss of Use" for the number of days they were not able to rent the vehicle to someone else. Most insurance companies' policies will not cover the Loss of Use for a rented vehicle; however, there are ways of avoiding Loss of Use charges, so call us at 801-676-7101 if you have questions about any insurance coverages.

Electric Monitoring

Utah's Department of Motor Vehicles electronically monitors the status of your insurance coverage. Therefore, it is important to stay current on your policy. An insurance agent at Wasatch Preferred in Sandy, Utah is ready to help you find the right policy. Call today!

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