How Vernal, UT drivers can save money on car insurance

Whether you spend most of your drive time commuting to work or taking advantage of the beautiful Utah scenic byways, you have the same obligation to carry insurance as all the other drivers in the state. At Perry Insurance Agency, we try to at least help out by finding ways to help our customers save money on their policies.

To help you save money, the first thing we do is make sure you have the right coverage. You may be paying for something extra you don’t really need, or there may be an added protection you didn’t know about. By tailoring your policy to you, we can help you make sure you’re not paying more than you need to.

Then we can go through and find discounts that will help you out. You will be surprised when you see all the discounts offered by different insurance companies:

  • Multiple policy discount — Most insurance companies would love to have all your business, so they offer discounts if you carry multiple policies, like for homeowners and auto.
  • Good driver discount — If you’ve gone two years without getting into an accident or getting a moving violation, you may be able to save money with a good driver discount.
  • New vehicle — Newer vehicles are less likely to have the kinds of failures that result in accidents, and your new car may earn you a lower rate.
  • Lump sum premium payment — A lot of insurance companies will offer a reduced premium if you pay an entire year at once.
  • Passive restraint/security system — Does your car have extra airbags? A security system to deter theft? You may be able to get a discount for either or both.

These reasons and more can earn you a discount on your auto insurance in Vernal, UT. If you have any questions or want to find out how you can save money, please feel free to call Perry Insurance Agency today.

Why You Should Want Auto Insurance

Driving a car is a necessity for many people. You have a car in the Vernal, UT area, you need to make sure that you have proper auto insurance at all times. While most people know that it is required by law to carry at least a minimum level of liability auto insurance, there are also many other reasons why you should want to have coverage.

Gives Liability Protection

One reason why you should want to have auto insurance is that it will provide you with necessary liability protection. Driving a car is a big responsibility and comes with a lot of risks. Since being at fault in an auto accident is always a potential situation, you need to make sure that you are protected against this risk. Having auto insurance in place will do just that. 

Protects Your Asset

Another reason why you will want to have auto insurance is that it will protect your very valuable asset. Buying a car is the most significant purchase most people will ever make, after purchasing their home. Due to the significance of this purchase, it is important to make sure that your asset is properly covered by insurance. When you get a full collision and comprehensive insurance policy, you will receive coverage against a wide variety of different types of losses.

There are many reasons why you should want to have auto insurance. For those that are in the Vernal, UT area, speaking with the Perry Insurance Agency about their auto insurance options is a great choice. The team at the Perry Insurance Agency can help you to properly assess your auto insurance options and make sure that you get into a policy that provides you with the right level of coverage. 

Car Insurance Laws in Utah

Like every other state in the USA, Utah has its own specific laws and regulations for car insurance. Drivers need to be aware of the local laws to avoid fines, traffic tickets, or liability from lawsuits. The Utah Insurance Department’s official site has provided some crucial information about getting auto insurance. 

No-Fault Insurance

Every vehicle is registered in the state of Utah is required to carry no-fault insurance and proof of insurance must be presented to any law enforcement officer if requested. This essentially means that every driver within the state needs to have some kind of coverage.

Automatic Verification

The state also maintains a database of registered drivers that is checked against insurance policies. When a registered vehicle is discovered without an insurance policy, a letter is automatically sent to the holder of the registration to inform them of the lapse in insurance. 

Penalties

The state has harsh penalties for drivers who are caught without insurance, which can include suspension registration or driver’s license, fines, court appearances, and even jail time for repeat offenders. Because of these severe sanctions, it is important to stay aware of your insurance status and be absolutely certain you can provide proof of insurance if you are going to drive. Car insurance is a necessity to use the state’s roads and maintain a valid vehicle registration.

For any other questions or concerns about car insurance in the Vernal, UT area, please contact Perry Insurance Agency. Representatives with knowledge of these state laws and local regulations in Vernal UT are available to assist you. Don’t hesitate to give Perry Insurance Agency a call today.   ,

Mistakes to Avoid When Filing an Auto Insurance Claim

Accidents occur every single day, leaving people injured and cars damaged. Having auto insurance with Perry Insurance Agency is an ideal way to get protection from unforeseen circumstances. If you already have insurance, you are entitled to financial compensation from your auto insurance provider in case of covered losses. In the event of an accident, you need to make a claim with your insurance company.

However, you need to avoid some of these common mistakes when filing an auto insurance claim in Vernal, UT:

Giving false information

When a claim is made, the insurance company does its own investigation. Lying or omitting information in your favor could lead to your claim being denied. In some cases, your premiums can be raised or your policy terminated. Plus, giving false information to your insurance provider is a federal offence that is punishable by jail time.

Taking long to file the claim

Filing an auto insurance claim should be done as quickly as possible after the accident. This makes sure that you give fresh and factual information about the accident without forgetting any important details that could help your case.

Filing a claim that you shouldn’t

In case of minor injuries or damages, it could be wise to cover the costs yourself, especially if the cost of repairs is less than the insurance deductibles. Before filing a claim, go through your policy to make sure your losses are actually covered or if there is any exclusion.

Giving too much information          

Avoid too much talk when speaking to the insurance representatives. Claim handlers are highly trained to memorize everything you say, so avoid oversharing; only give factual information.

At Perry Insurance Agency, we provide affordable and reliable auto insurance policies for the residents of Vernal, UT and several other states. Contact us today for a peaceful driving experience.

Important questions to ask your agent before purchasing auto insurance.

A car is a significant financial investment and a valuable asset to get one to work and other necessary activities. It is important for drivers to ask the right questions when purchasing an auto policy to be confident that their auto insurance coverage is adequate.

Do I have enough liability coverage?

This is a critical question to ask your insurance agent. Each state has different requirements for the amount of liability you must carry. However, just because there is a legal limit in place does not mean it is enough protection in the event of a claim. Speak with your agent at Perry Insurance Agency about required limits in the Vernal, UT area to determine an appropriate limit.

Does the policy provide collision coverage for your car?

Many car owners assume that an auto insurance policy will pay for the cost of their vehicle being repaired in the event of an accident. Many policies only pay to fix the other party’s car. If you want to have coverage for your vehicle, speak with your agent about collision coverage.

What happens if I am in an accident with an uninsured motorist?

Unfortunately, there are just too many drivers out there who drive with no insurance or a policy that has less than adequate limits. It is critical to find out how your policy would respond in the event you are in an accident with an uninsured motorist. Ask your agent about an underinsured/uninsured auto policy.

What is the claims process?

In the event of an accident, the last thing you need to be dealing with is trying to navigate a complicated claims process. You will want to make sure your insurer has a convenient way to file a claim. Also, you will want to understand the level of support being provided such as a 24-hour customer service support line.

If you would like to learn more about auto insurance, please reach out to us at Perry Insurance Agency. We proudly serve the Vernal, UT area and over 24 other states.