Car Insurance in Orem
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The Need for Effective Car Insurance in Orem
Welcome home to Orem, Utah. The 98,624 current residents call it "The Family City," partly because of its variety of family-friendly neighborhoods to choose from. Orem also features more than a dozen parks your children will enjoy and schools that offer college preparatory classes.
Some of the top employers in Orem, which lies about 45 miles south of Salt Lake City, include global communications, retail and even major aerospace and engineering companies. As a resident of Orem, you will likely drive to your job alone instead of carpooling.
The average commute time for employees in the city is about 20 minutes ; however, road conditions in the area may degrade in the wintertime. Some motorists choose to take the city's public transportation when bad weather hits, such as the rail system Frontrunner. or use local buses.
While the rainfall averages in the city rank far below the nation's average, snowfall eclipses it. This area gets 42 inches of snow on average, which can cause a variety of adverse driving conditions. This is just one of the factors that may affect your choices when you compare policies for car insurance.
Car Insurance Requirements in Orem, Utah
The state of Utah requires that you carry certain types of auto insurance coverage because of its no-fault liability laws. You must carry $3,000 in Personal Injury Protection that covers the cost of your medical bills, no matter who caused the accident. Other requirements apply to other Utah drivers and include:
- Bodily injury
- Liability damage
- Property damage
The minimum you can carry as a Utah motorist is $25,000/$65,000/$15,000. plus the PIP coverage. Using VIU by HUB can help you make more informed decisions about car insurance as you shop for car insurance, no matter your driving habits or transportation needs.
Possible Consequences of Orem Car Insurance Gaps
As an Orem motorist, you must carry and present proof of your car insurance when asked. Utah also keeps track of insurance policies connected to any Utah motorist and sends owners of non-insured vehicles letters that let them know they must provide proof of coverage required by the state.
If you have insurance gaps that do not meet state requirements, the Utah State Department of Motor Vehicles may suspend your driver's license. After the first offense, you may pay as much as a $400 fine. Since the cost of such fines only rises, finding affordable car insurance in Orem with VIU by HUB as soon as possible can ease the financial burden of insufficient coverage.
The Cost of Orem Car Insurance
Car insurance costs can vary depending on a variety of factors, but most Orem drivers pay $1,551 annually for full coverage. Covering only the minimum you need for car insurance in Orem satisfies driving laws in Utah, but carrying too little could cost you more money later on when it does not meet the risks and issues you face as a motorist in Orem.
Car Insurance Risks in Orem
The amount of snowfall and freezing rain Orem receives is only one risk you might face as a driver in Orem. The city's crime index for auto theft is 1.49 per 1,000 residents. and while this rate stands lower than the state's crime rates overall, buying theft protection can protect you against loss and paying for a vehicle that is stolen and destroyed.
Buying car insurance in Orem may seem puzzling when you begin to compare different providers and rates, but when you use VIU by HUB's easy online comparison tool, you can feel better informed about choosing a policy that suits your individual needs. Having the coverage you want makes traveling in this family-friendly city a pleasure.
This information is intended for general informational purposes only and is not intended to constitute legal advice.