Auto Insurance Information
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When looking for an auto insurance policy to protect your car, there are a lot of factors to take into consideration—such as how much coverage you need and how much you want to pay. Unfortunately, not all auto insurance policies are created equal.
The agents from Advance Insurance are dedicated to helping drivers find the right car insurance policy for their vehicle and coverage needs. We want to ensure that you can drive safely knowing you’re covered without paying too much for your policy.
What Does Auto Insurance Cover?
A full coverage auto insurance policy is generally recommended and refers to the highest amount of auto insurance you can have on a single vehicle. Full coverage auto insurance policies offered through Advance Insurance may include: .
Comprehensive Coverage: Comprehensive coverage provides compensation for damages to your vehicle caused by fire, wind, hail, lightning, smoke, theft, vandalism and more.
Collision Coverage: Collision coverage provides compensation for damages to your vehicle caused by a collision with another vehicle or object.
Liability: Liability insurance covers bodily injury and property damage you may cause someone else while operating the insured vehicle.
Personal Injury Protection: Personal injury protection (PIP) covers medical bills you and your passengers may face after an accident, no matter who is at fault.
Uninsured/Underinsured Motorist: This insurance covers expenses related to an accident involving another driver who is not carrying insurance.
Roadside Assistance: Roadside assistance covers trip interruption expenses such as running out of gas or needing to be towed.
Speak with an insurance agent about additional coverage and different limits to suit your vehicle.
How Much Auto Insurance Do I Need?
Each state in the U.S. has its own requirements when it comes to auto insurance. In Utah, all drivers must legally carry at least:
$25,000 in bodily injury liability per person
$65,000 in bodily injury liability per accident
$15,000 in property damage liability
$3,000 in personal injury protection
Minimum requirements are only required to drive legally, however, and does not amount to the highest amount of coverage you need. You should typically carry enough auto insurance to cover the total value of your vehicle.
Get Insured Today
Don’t wait to find the policy tailored for your insurance needs. Speak with a dedicated insurance agent from Advance Insurance at
or fill out a quote form
to get started.
Common Auto Insurance Questions
How Far Does Auto Insurance Look Back?
In general, most auto insurance providers look back on your record three to five years. Keep in mind that different accidents and violations can remain on your record for varying periods of time. For example, a single at fault accident may only last on your record for three years while a DUI could stick around for ten years.
How Many Auto Claims Can You Have Per Year?
There is no set number of claims you can make on your auto insurance record, although more than one auto insurance claim in a single year can cause your insurer to see red flags. Make sure you can reach your deductible before filing a claim.
How Much Does Auto Insurance Cost?
The cost of auto insurance varies depending on a variety of factors, including your age, location, gender, driving record, credit score and more. Fill out a
to find out how much you can save on auto insurance today.
Why is Auto Insurance Important?
Aside from legal requirements, auto insurance is crucial for protecting you and everyone else on the road. Without coverage, you could face expensive repairs and medical bills as well as possible lawsuits after an accident.
What are the types of insurance options that you can get for a car?
The car insurance types are auto liability coverage, uninsured and underinsured motorist coverage, comprehensive coverage, collision coverage, medical payments coverage and personal injury protection.
What is the cheapest car insurance type?
State-minimum liability coverage is the cheapest type of car insurance. Liability-only insurance is $1,333 cheaper on average than a full-coverage policy.
If I don't drive too often, would I pay less for auto insurance?
Yes, this is called usage-based insurance. It's also called low-mileage or pay-per-mile insurance. Usage-based insurance offers lower premiums to people who don't drive very much.
We provide car insurance to drivers near Orem, Salt Lake City, Provo, Las Vegas, Draper, and Hesperia, Utah