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Bountiful Car Insurance

Bountiful Car Insurance is required for all car owners in Bountiful, Utah. Drivers in this Davis County town need to have auto insurance in keeping with Utah state law mandating protection for all cars on the road. Each driver can choose to take on a policy with only the minimum levels of required protection, or add to their plans to protect themselves even more. Whether you choose just a simple plan or a more comprehensive policy with optional added elements, you can save big money on Bountiful car insurance by searching online and comparing prices among competing companies.

Requirements for Bountiful Utah Drivers

The state of Utah requires all drivers in the state and anyone whose vehicle is in state for more than 90 days during a calendar year to conform to state regulations for auto insurance. Utah is a no fault state, meaning it requires insurers to pay out damages on injury claims quickly and without regard to fault in the accident. To help expedite this process, each driver in the state must include no fault or personal injury protection in their auto policy.

In addition to PIP or no fault plans, Bountiful drivers are also required to include liability protection on their car insurance plans. The state uses the split form liability system, dividing coverage and deductibles into three areas. The requirement for per accident bodily injury is at least $25,000. The minimum for per accident bodily injury liability is $65,000. Each driver has to include at least $15,000 in property damage. All of this is in addition to the minimum of $3,000 in PIP coverage required on each Bountiful, UT policy [1].

While liability and PIP or no fault plans are required for every driver in the city and all throughout the state, there are plenty of Bountiful auto insurance options available for area drivers as well. Deciding whether to add some or all of these options to your plan will hinge on the particulars of your situation. The car you drive, the way you use it and of course your budget are all important factors you must keep in mind when you investigate your options for Bountiful auto insurance.

UT Car Insurance Options

Before you get into elective options for your car, you should first address the mandatory portions of your policy and assess whether the state mandated minimum levels of protection are sufficient to protect you as a cover policy holder. Take the time to look at the cost of these parts of your Bountiful car insurance policy as well as the coverage they offer. If you feel like you are well protected enough from liability with the minimum only, go on to the other options you have for your automobile. If, on the other hand, you budget allows for exploring increased protection and you feel like you want to take a look at that possibility, you can do so by soliciting quotes from Bountiful automobile insurance providers reflecting these different elective options. There is no harm in looking even if you are just curious. A well informed customer is an empowered customer, in car policies as in every other investment.

When you have addressed your liability and no fault needs, it is time to move forward with your Bountiful automobile insurance examination. Beyond what is required for all state drivers, there may be additional requirements based upon the specifics of your ownership situation. If you finance or lease your car, you will be compelled to carry collision and comprehensive insurance as part of your Bountiful car insurance plan. This is to satisfy the needs of lien holders who have a considerable financial stake in the car you are paying for. Of course, your investment is equally important, and in adding these areas of coverage to your policy you are protecting yourself as well.

Collision coverage protects UT drivers from the cost of dealing with repairs in the wake of an accident. Unlike liability coverage on a car policy that only goes into action when an accident is your fault, collision is unconcerned with fault or liability. It is only concerned with protecting your car. Collision gives you protection up to the current market value of your vehicle, less deductible. In cases where the potential repair costs will exceed the value of the insured vehicle, Bountiful vehicle insurance collision protection will opt for totaling the automobile and write you a check for the loss rather than repair it.
As a Bountiful driver, you should understand the way your collision insurance works so that you can get a sense of whether to include it in your Bountiful auto policy. Bountiful vehicle insurance protection has a lot of value for you as a driver, but there are times when it is more appropriate to limit your coverage. This rule of thumb applies to both collision and comprehensive parts of your car insurance policy.

Coverage Decisions based on Situation

Comprehensive Bountiful car insurance takes care of all covered non collision damage claims to the insured vehicle. As a Bountiful car owner, you have to evaluate the value of this type of coverage the same way you do collision. Again, if your car is leased or financed, you will be required to include comprehensive in your Bountiful car insurance plan. Comprehensive coverage includes protection for a wide variety of situations including auto theft and vandalism. There are a number of other included event types as well, including storm damage. Check the details of specific policies that you get quotes on from Bountiful car insurance providers for a full listing of coverage and limitations.

Every situation is different, just as every Bountiful car owner is different. The specifics of your situation as an auto owner and a driver will inform the choices you make for Bountiful car insurance protection. If you do a lot of driving and you count on your vehicle to help you to make a living, chances are you might choose to carry more comprehensive coverage to shield your vehicle from the risk of harm. But your insurance needs might not be as extensive if you only drive once in a while, if you make shorter trips, or if you only drive for certain special tasks from time to time. No matter what your driving habits might be, they need to be included in a thorough examination of your need for coverage as a Bountiful driver and auto owner.

Every driver across the state has to have auto coverage according to state law. But beyond the basic requirements, there are many options and choices to be made in the design of any car policy. Take the time to assess your insurance situation to come up a plan that not only fits your budget, but is also appropriate to your actual needs. You need an auto plan to get out on the road legally, but you do have the right to design a policy that fits your needs and makes sense given your budget and driving habits. Do not give up that right to informed design. Get online and put together a Bountiful car insurance plan that maximizes protection and value.

[1] Retrieved 2010-02-14.


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