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West Valley City is the second largest city in the state of Utah, and also a suburb of Salt Lake City. The first century of West Valley was marked with a significant amount of agricultural activity. The land area which is now known as the City of West Valley was actually four separate communities which merged in 1980 when the city finally incorporated itself. In recent years, city officials have announced a plan to construct a downtown area for the city while it continues to grow.
Driving legally in West Valley City requires:
Coverage | Requirements | Most Common |
Liability Bodily Injury | 25,000/65,000 | 100,000/300,000 |
Liability Property Damage | 15,000 | 50,000 |
Bodily Injury - Motorist Uninsured | Not required | 10,000/20,000 |
Personal Injury Protection | Not required | Utah basic plan/ $3,000 medical |
Collision | Not required | 500 deductible |
Comprehensive | Not required | 1000 deductible |
Keep in mind that these state minimums rarely ever provide sufficient coverage when it comes to your average driver. This is because most motorists are driving relatively younger vehicles, are still making loan payments, or may even be leasing their vehicle. And in most of those cases, you’re going to need a comprehensive policy in order to protect your investment.
There are some drivers riding around in Utah right now with payments as high as $99 per month, which is the reported state average. However, there are deals going on right now in West Valley city which make it possible to get good coverage for as low as $49/mo* – and we can prove it to you if you let us help you compare rates today.
Unigard and Allied are all on the cheaper side of the Automobile insurance spectrum right now, if you happen to be the average driver. However, a poor credit score or multiple DUIs on your record might make it impossible to get low rates from any company, regardless of who you ask.
Those who offer auto insurance plans contemplate many elements while calculating insurance rates, especially driving experience, where you live, your credit history, miles driven each year, and current insurance coverage and limits. Furthermore, premiums differ from carrier to carrier. To make sure you are still getting the best price, look at cheap Utah auto insurance quotes online.
There are lots of ways in which your car insurance rate might be estimated. But not all of it is out of your control; there are steps you can take to be able to impact which discounts you are eligible to acquire. Listed below are a few of these components in greater detail:
In many cases, the least expensive auto insurance is generally present in towns with a lesser population density. Because there are a lesser number of vehicles traveling the road, you will find a lesser number of possibilities to get involved in a significant auto accident with another motorist. The populace of West Valley City is 133,579 plus the average family earnings are $51,027.
For having such a large population, accident rates in West Valley City are thankfully quite low, especially when compared to other Utah cities of a similar size. And this is also great news because it makes it very likely that your insurance carrier is automatically lowering premiums in your area.
Obtaining low-cost auto insurance can be tough should you be vulnerable to auto theft. Certain trendy vehicle models usually are appealing to thieves, in addition to cars or trucks that are parked often in huge metropolitan areas. The full quantity of stolen motor vehicles in West Valley City was 613 in 2010, with an average of 5 cars stolen per 1,000 people. But just because auto theft is unlikely in your town doesn’t mean you shouldn’t at least think about adding Comprehensive coverage to your policy.
If you’re a driver with poor credit in West Valley City, most providers will immensely increase the cost of your monthly premium compared to other drivers. Some companies may even come close to doubling or tripling it.
If you’re trying to find cheap insurance for a student or a teenage driver, you’re going to have a confusing time. Yes, Good Student and Driver’s Ed discounts will help, but at the end of the day they will still have to pay much more expensive rates than adults or seniors.
significant driving violations can send your premiums through the roof, or may even get your coverage dropped completely. But for the lesser violation(s) on your record, you might want to ask about an Accident Forgiveness discount. This lowers your rate by making sure at least one of those minor violations aren’t calculated in the overall cost of your premium.
With car insurance, you’re essentially wasting money and leaving yourself vulnerable to economic hardship if you don’t purchase enough coverage for your vehicle. For older, cheaper vehicles, sometimes the state minimum is enough. But for a luxury vehicle, you’re going to want to purchase multiple types of coverage, and in very high amounts, just in case the worst happens.
Also, don’t forget to consider these elements:
Have you and your spouse started bundling your policies together? Well, you should! It’s a great way to reduce your household bills. And single people can bundle too, especially if they have renter’s or motorcycle insurance with the same company.
In truth, there’s really no significant difference between how women and men drive. And because of this, most companies don’t even charge different rates based on gender anymore. Some still do, but the overcharged gender varies from one company to the other.
Commute times in West Valley City aren’t bad, and most drivers can expect to spend anywhere from 15 to 20 minutes driving to or from work each day. About 76% of those who drive do so alone with their own motor vehicle, while around 19% will likely be carpooling.
Did you know that slashing your annual mileage by 5,000 miles each year will only get you a 4-6% discount on your premium? That means you’ll have to give up driving at least 14 miles each day. Most people are only on the road when they have to be to start with, so 14 miles a day is a pretty big sacrifice for such a small discount.
Raising your deductible is a great way to lower your monthly premium. But make sure you protect yourself financially by setting aside at least the cost of that deductible into a savings account, and don’t touch it unless it’s an absolute emergency. After all, how devastating would it be if your car was stuck in the shop, and you didn’t have the money to file a claim and get it repaired?
While just over 31% of West Valley City residents have finished their high school education, another 21% of the population has not yet made it through all four years of their secondary schooling. For many, this lack of higher education may cost them more than a better job opportunity – it could also yield them a higher rate on their car insurance policy.
While many West Valley City residents may prefer to commute to nearby Salt Lake City for their higher education, there are a few possibilities within the city limits worth considering. Everest College helps prepare students for rewarding careers in the medical, business, and technological industries. Also, aspiring aestheticians can always enroll at the Premier Hair Academy.
You shouldn’t allow an unsatisfactory car insurance agency persuade you into purchasing an auto insurance policy that is not right for you. Yes, the sum of related information needed in order to calculate your individual risk profile might be mind-boggling, but comparison web sites similar to this may also help make things a lot easier. Simply just enter in a couple of specifics below, and then let us do the rest.
Sources:
Utah Department of Financial Institutions
Department of Highway Safety and Motor Vehicles
Begin comparing rates today. It will only take a couple of minutes, and you could save a lot of money!