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need Utah auto insurance? Here is how to build a cheap car insurance rate Utah with a reliable company.

Utah Minimum Auto Insurance Requirements

To keep your car in the state of Utah, you need the following insurance:

* The value of $ 25,000 bodily injury per person for injuries you cause to others.

* The value of $ 50,000 for all bodily injuries you cause.

* The value of $ 15,000 property damage coverage for damage caused to the other person's car and property.

* PIP (personal injury protection) coverage to pay for your medical bills and lost wages, no matter who was guilty, if you are in an accident.

This is insurance that you need to get themselves onto the road. You can also order the following insurance coverages to your policy:

Optional Auto Insurance Coverages

* Collision coverage pays for repairs to your car if you are in an accident no matter who was to blame.

* Comprehensive coverage pays for repairs to your vehicle caused by vandalism, theft, fire or storm.

* Not insured motorist coverage pays for you and your family medical bills and repairs to your vehicle and property by an uninsured, underinsured or hit-and-run driver.

How to Get Cheap Car Insurance Utah

Since car insurance prices can vary greatly from one company to the next, the first thing you need to do to get a cheap rate is to compare prices from different companies.

If you go online to an insurance comparison site is it only takes a few minutes to sentence quoted from a number of companies. The best of these sites even have these experts on call to answer all your insurance questions. (See link below.)

For the cheapest fare to your deductible (the amount you pay toward a claim before your insurer pays) to the highest amount you can afford. The increase of $ 200 to $ 1,000 you can have up to half the insurance premium.

So, ask the insurer about the discounts for you and paste it into your policy. Some of these discounts are:

* Safe driver discounts for accident free for three or more years.

* Discounts for safety with an alarm, anti-theft device, anti-lock brakes and airbags.

* Senior discount for drivers over 55 years.

* Multiple policy discounts for your homeowners and auto insurance with the same company.

Visit http://www.LowerRateQuotes.com or click on the following link to Utah auto rate quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your questions from an insurance expert with their online chat service.

The author, Brian Stevens, is a former insurance agent and financial consultant, has a series of articles on how to Utah insurance rate quotes.