West Jordan Car Insurance
We understand that car insurance can seem overly-complicated. Our simple West Jordan car insurance guide helps simplify things.
Written by
Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to TrustedChoice.com.
Many people who work and do business in Salt Lake City have made the suburban city of West Jordan, UT their home. Because this is a large city within the suburbs of yet another large city, the traffic on the roadways, particularly on State Route 154, can become quite congested at times. This results in an increased risk of collisions. As a driver in this city, it is therefore to your benefit to carry an appropriate West Jordan auto insurance policy.
Car insurance is required of vehicle owners in Utah, but overpaying for it is not. Independent Insurance Agents in our network can help you compare a selection of affordable West Jordan car insurance quotes for policies that have been customized to fit your coverage and budgetary needs. Find an agent with an office near you to learn more so you can soon start comparing rates from variety of competing insurers.
- National average cost per year: $1,311
- Utah average cost per year: $1,059
- 40th most expensive auto premium in U.S.
The good news for those looking to buy a West Jordan auto insurance policy is that car insurance costs less in Utah than it does throughout most of the country. This is due in part to the low number of fatal collisions in this state. Of course, your actual quoted rates are likely to be different from the numbers shown above because your rates will be calculated according to several different and unique factors. These may include the following:
- Your ZIP code, i.e., where you live and park your car
- The make, model, year and safety features of the car(s) you are insuring
- The age, sex, marital status and driving records of all drivers in your household
- The number of miles your car or cars are driven on average per year
- Your claims history and credit score
- Your requested coverage limits
- Your requested deductible
Because so many different factors are used to calculate your West Jordan auto insurance rates, you are likely to get a different quote from each insurance company you contact. That is why comparison shopping can help you get your policy at the best price.
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
In the state of Utah, failure to carry auto insurance that meets or exceeds the mandated minimums is a Class B misdemeanor. If you are caught driving without coverage, you can face a fine of no less than $400 for your first offense and no less than $1,000 for future offenses if they occur within three years of the previous offense. Additionally, you will have your license suspended and you will not be able to get it back unless you provide proof of insurance and pay a reinstatement fee.
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Number of Uninsured Motorists in Utah
- Number of uninsured U.S. drivers: 12.6%
- Number of uninsured Utah drivers: 5.80%
If an uninsured driver is at fault for a collision with your vehicle, that driver is required to cover your property damage and medical treatment, if needed. Unfortunately, these funds can often be very difficult to collect. Fortunately, if you add uninsured motorist coverage to your West Jordan auto insurance policy, you will be able to collect this compensation easily. This is because your insurance company covers your losses and then goes after the uninsured driver on its own. Uninsured motorist insurance also covers collisions with hit-and-run drivers.
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 Utah is higher than the national average, and in West Jordan, the rate is even higher. In recent years, there were 324 auto thefts reported in this city. That equates to about 3.35 thefts per 1,000 vehicles. It is therefore important that you take precautionary measures, such as keeping your vehicle locked, never leaving your keys in the car and parking in well-lit or attended lots.
When your West Jordan car insurance policy includes comprehensive, or “other than collision,” insurance, you are protected against the financial hardships associated with car theft. Comprehensive coverage provides compensation if your car is stolen or vandalized. It also provides coverage if your car is damaged by most other noncollision-related catastrophes, such as floods, noncollision fires, and falling objects.
Find a Great West Jordan Car Insurance Policy
When you are shopping for West Jordan auto insurance, you will want to be sure that you are not only purchasing your coverage from a responsive insurance company but that you are getting your policy at a reasonable rate. Comparison shopping can help you find the most affordable policy, which can be a tiresome and frustrating chore when you go about it on your own.
That is why it is beneficial to enlist the help of an independent insurance agent in our network. These agents make gathering and comparing rates and policies easy. They have relationships with a number of reputable insurance companies so they can provide you with a selection of suitable West Jordan auto insurance quotes for policies that have been customized to meet your needs.
Find an agent with an office in or near West Jordan to get started.