Taylorsville Car Insurance

Everything You Need to Know About Car Insurance in Taylorsville, UT

Learn everything you need to know about getting the best auto coverage and find multiple quotes for Taylorsville, UT car insurance.

Taylorsville is a city in Utah’s Salt Lake County. The roadways in Taylorsville, UT can sometimes be rather busy, and this can increase your chances of being involved in a collision. Whether you are merging onto Interstate 215 on your way to Salt Lake City, caught up in congestion on 4700 South while out running errands, or driving down S. Redwood Road on your way to cheer on the Warriors at Taylorville High School, you are at risk of being in an accident every time you get behind the wheel. That is why it is to your benefit to carry a suitable Taylorsville auto insurance policy, which can shield you from large financial losses in the wake of a collision.

Finding great coverage at an affordable price is easy when you work with an Independent Insurance Agent. They can take the time to learn your coverage needs and can then provide you with an assortment of customized Taylorsville car insurance quotes from a variety of reputable insurers. That way, you can compare rates and choose the policy that offers you the best value for your money. Find an agent in or near Taylorsville to get started.

  • National average cost per year: $1,311
  • Utah average cost per year: $1,059
  • 40th most expensive auto premium in U.S.

Overall, auto insurance rates in the state of Utah are considerably lower than the national average. Of course, these rates can only give you a general idea of what your actual price for coverage might be. Rates vary significantly from one person to the next because they are based on a number of considerations. When calculating the cost of your Taylorsville car insurance premiums, insurance companies will look at such things as the following:

  • The make, model, year and other information about the vehicle(s) you wish to insure, as indicated by the vehicle identification number (VIN)
  • Your ZIP code
  • The age, sex, marital status, and driving record of all licensed drivers in your household unless you are specifically excluding them from your coverage
  • Your claims history
  • The amount of liability coverage you wish to purchase
  • The amount of your deductible
  • The optional coverages you are purchasing, such as uninsured motorist or comprehensive coverage
  • Your eligibility for any offered policy discounts

Every insurance company has its own way of assessing risk and calculating rates, so every quote you receive is likely to be different. Comparison shopping puts you at an advantage by allowing you to choose the policy that offers the best price for your coverage.

Utah Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): required
  • Uninsured motorist coverage: not required
  • Minimum liability limits: 25/65/15: Coverage up to $65,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $15,000 coverage for property damage

The state of Utah requires drivers to carry auto insurance coverage that meets or exceeds these state-mandated minimums. Serious accidents that involve significant injuries and property damage can easily exceed these coverage limits, so you may want to purchase higher liability limits in order to protect your assets, like your home and savings.

Driving without insurance in this state is a Class B misdemeanor and it has significant consequences. If you are caught operating an uninsured vehicle, you face a fine of no less than $400 for your first offense and no less than $1,000 for future offenses that occur within three years of the previous. Furthermore, your license can be suspended, which will require you to provide proof of insurance and pay a reinstatement fee to get it back.

Number of Uninsured Motorists in Utah

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Utah drivers: 5.8%

If an uninsured or hit-and-run driver is responsible for a collision that causes you or your passengers to suffer injuries or property damage, that driver is legally obligated to cover your expenses. Unless you have the optional uninsured motorist coverage included in your Taylorsville auto insurance policy, you may have to sue to for these funds, and collecting can sometimes be very difficult or even impossible. When you have uninsured motorist coverage, however, your insurance company provides the necessary compensation and then attempts to collect reimbursement from the offending driver on its own behalf. Your agent can help you review the cost of adding this coverage to your policy.

Number of Auto Thefts in Utah

  • National number of thefts per 1,000 vehicles: 2.94
  • Utah number of thefts per 1,000 vehicles: 3.13

The rate of car theft in the state of Utah is lower than the national average, though it is a bit higher in Taylorville. You can reduce your risk of auto theft by keeping your vehicle locked when you are away from it and by using an anti-theft device, such as a car alarm or "The Club." If your car is stolen or vandalized, your insurance company provides you with compensation only if your policy includes comprehensive insurance. 

This optional insurance, which is also referred to as “other than collision” insurance, covers loss and damage caused by such things as theft, vandalism, flying debris, falling objects, fires, floods, earthquakes and other noncollision-related events. If you are still paying for your vehicle, you likely carry comprehensive insurance already because most lenders require that you have it until your loan is paid in full.

Find the Best Taylorsville Auto Insurance Policy

You shouldn’t pay more than you need to for your car insurance. If you are looking for an affordable Taylorsville auto insurance policy that will provide the right coverage for you and your family, a local agent can help you find it. These agents can contact several different insurance companies on your behalf in order to collect a variety of customized policies and quotes for you to compare. There are several agents located throughout the state of Utah, and some have offices in and near the City of Taylorsville. 

Find an agent near you to learn more about your coverage options, and discover how easy it can be to save money on your premiums by comparing Taylorsville car insurance quotes before making a selection.

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