Clearfield Car Insurance

Your Complete Guide to Clearfield, UT, Car Insurance

How to connect with a trusted adviser in town

Clearfield Utah car insurance

Clearfield, UT, is known for its manufacturing, distribution, and warehouses. This industrial city is home to the Hill Air Force Base, making it a well-rounded place to live.

If you drive the streets of this thriving town, you'll need proper protection. An independent insurance agent can help find coverage for a low price. Connect with a local expert to start saving today.

Why You Might Not Have All the Coverage You Think in Clearfield, UT

Your auto policy will include liability insurance and the rest you'll need to add. If you want coverage for your vehicles and other perks, contact an agent to go over your choices. Check out some options you can discuss with an adviser:

  • Gap coverage: This pays for the difference in your car loan's remaining balance and the market value when a total loss occurs.
  • Tow coverage: This will pay for a tow truck to tow a covered auto due to a loss.
  • Comprehensive coverage: This will pay for property damage to your vehicle that is hit by an unavoidable object.
  • Collision coverage: This pays for property damage to your car in the event of a crash.
  • Uninsured/underinsured motorists or UM/UIM: This coverage will pay for your expenses arising from an accident with an uninsured at-fault driver. 
  • Rental car coverage: This will provide reimbursement for a rental car when your covered auto is damaged. 

The national percentage of uninsured drivers is 13.0%. Utah shares 8.2% of those motorists. When you need coverage to protect you and your family, an adviser can help. Contact a Clearfield independent agent to find the policy that fits your needs.

Minimum Required Auto Insurance in Clearfield, UT, Isn't Enough

Like workers' compensation insurance, auto coverage is mandatory. Clearfield, UT, requires that you carry the minimum limits set by the state. While you don't legally have to obtain higher coverage limits, an adviser will likely suggest it. Check out the required auto insurance for Clearfield, UT:

  • A minimum liability of $25,000 per person/$65,000 per accident/ $15,000 property damage.  

Another policy you may want to consider is umbrella insurance. An umbrella policy will provide additional coverage for a substantial loss. When your underlying auto policy limits have been exhausted, umbrella coverage will apply. Connect with a Clearfield independent agent to get the right liability insurance for your car policy. 

Theft Rates Affect Your Clearfield, UT, Insurance Premiums

The local theft rate will cause your car insurance premiums to increase. Fortunately, an independent agent can help you cut costs in other areas. Let's take a peek at the theft rates per 100,000 people:

  • National average: 228.9
  • Utah average: 244.5

Utah's theft rate is higher than the national average, which means Clearfield's may not be too far away. Whether you own an RV or a sports car, everyone's premiums are impacted by crime. Speak with a Clearfield independent agent to see how local theft will affect you. 

How to Save Money on Your Clearfield, UT, Car Insurance

The price of your car insurance is personalized and dependent upon your specifications. Since no two insureds are the same, neither are two premiums. The best way to find out your exact pricing is to contact an independent agent. Some rating factors the insurance companies use are:

  • Catastrophes reported
  • Your claims history
  • Your insurance score
  • The coverages you choose 
  • Local crime rates 
  • Policy discounts that may apply 
  • Your motor vehicle record (MVR)

While you can't control some outside variables, others you can improve to lower your rates. Ask your adviser about bundling your home and auto insurance. When you have coverage through the same carrier, you save big. Discuss more money-saving options with a Clearfield independent agent.

Will Your Clearfield, UT, Auto Policy Cover Uber Services?

Personal vehicle insurance will exclude livery-for-hire or rideshare services. When you drive for Uber or Lyft, you may not have coverage. Ask these questions when speaking to your independent agent about your insurance:

  • Does my current auto policy provide coverage when transporting people or parcels?
  • Does my current auto policy provide coverage when I am off the clock?

An adviser will recommend a commercial auto policy to cover your business exposure. When you drive for a rideshare service, you are operating as a business and need coverage for that risk. Speak with a Clearfield independent agent about your commercial policies. 

Why You Need an Independent Insurance Agent in Clearfield, UT

If you're searching for the best price and policy on your own, you may be wasting your time. Work with an independent insurance agent for free. They have coverage and price options to fit your needs.

When you use an independent agent, they can access several carriers at once, doing the shopping for you. Go to TrustedChoice.com to connect with a local expert in minutes.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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