Car Insurance in Sandy
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Driving in Sandy, Utah
Sandy, Utah, is a beautiful city featuring gorgeous mountain backdrops and providing proximity to beautiful attractions such as Big Cottonwood Canyon. The local history of South Towne Center draws in history buffs and those looking for food and entertainment are sure to find them.
With so many amazing places to check out, having a car is vital if you live in Sandy. Although the city has access to public transportation via the Utah Transit Authority, nearly 78% of the city's population uses their own car. They typically have a one-way commute time of 22.3 minutes. which is just under the national average of 26.4 minutes.
People who drive their own cars need to have car insurance in Sandy, Utah. Utah state law requires residents to have minimum liability coverage of $25,000 per person (at least $65,000 total per accident) and $15,000 in property damage per accident. You are also required to carry $3,000 in personal injury protection. The average driver in Sandy pays $1,547 per year, which is about $500 less than the national average of $2,008 per year.
Benefits of Auto Insurance in Sandy, Utah
The biggest benefit of purchasing car insurance in Sandy is that you'll be driving within the law and won't get fined or lose your license if you're pulled over for speeding or if you get into an accident.
Financial protection is important as well. Fixing your car or paying medical bills after an accident could leave you thousands of dollars in the hole. With insurance to help you cover some or all of those costs, you can feel better about the money you're keeping in your bank account.
Choosing the Right Type of Car Insurance
Utah state law requires you to have a certain amount of liability insurance and personal injury protection, but that probably isn't all you need. Consider purchasing higher amounts of liability and PIP protection to ensure you have enough money to cover any accident situation.
There are other types of insurance to choose from as well. Uninsured motorist and underinsured motorist coverage protects you if someone is at fault in an accident but doesn't have enough coverage to repair your car or pay for your injuries. Collision coverage pays for damages to your vehicle regardless of who was at fault.
Comprehensive coverage protects you in case your car is stolen or damaged by something such as a falling tree or hitting an animal. Other types of insurance to consider include rental reimbursement and roadside assistance protection.
Finding the Right Insurance Provider
Choosing the right insurance provider to meet your needs is vital. Before you choose one, consider your unique needs. Maybe you're a good defensive driver. If so, consider a provider with a telematics program that tracks your driving and discounts your insurance when you drive safely. Do you have a teen driver in your household? If so, seek out a provider that has programs or discounts for young adults.
Consider the type of insurance providers as well. National insurance companies are larger and may provide more policy options and customer service 24/7. Smaller insurance companies are usually regional and may offer more personalized service. Determine what you want out of a provider before signing up with one.
Check third-party reviews as well. These ratings help you determine whether the insurance provider takes care of its customers, is responsive to negative feedback and can make changes as necessary.
Shopping for car insurance in Sandy doesn't need to be a time-consuming task. VIU by HUB provides quotes from multiple insurance agencies in a matter of seconds. Simply share a few details about your car and your lifestyle to get started.
This information is intended for general informational purposes only and is not intended to constitute legal advice.