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Sunday, April 12, 2009

New Drivers and Utah Auto Insurance

By Steve Turner

To legally driver on state roads all drivers must have Utah Auto Insurance coverage. It is a criminal offense to not have the required level of insurance coverage and drive in the state of Utah.

The age of the drivers on your auto insurance policy affects your rate and possibly even your coverage limits. If you have a teenager that is going to be driving soon you may have questions on how adding them to your policy will affect it.

Teen drivers are always more expensive to insure than drivers that have had a lot of experience. Part of the reason for this is that they have a higher risk of being in an accident because of their lack of experience.

Utah state law regulates the minimum amount of auto insurance coverage that all drivers must have. Do some research so that you know what these requirements are and ensure that you have them on your policy. It is also punishable by law to not have proof of insurance in your vehicle at all times.

There are some teen drivers that are not allowed by their parents to have the same insurance policy as they do. Since the teen's coverage is going to be expensive some parents can be hesitant to do this. However, parents will be financially responsible if the teenager is at fault in an accident and has insufficient insurance coverage.

Look at the options of adding your teen to your policy or helping them to acquire their own with sufficient coverage. In the long run what you can afford is going to help you to decide what is best for you.

To find the cheapest premium for the coverage you are looking for get quotes of coverage from at least three different insurance providers. This can be done by either visiting an insurance comparison website or by contacting each provider yourself. - 21392

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