How Much are Car Insurance Quotes for Handicapped Drivers in Utah?

The vehicle on the policy is one of the main factors that determines whether or not you find cheap car insurance for handicapped drivers in Utah. Vehicles with limited top-end speed, modern passenger safety features, or a positive history of liability claims will cost much less to insure than adrenaline junky models. The table below shows insurance prices for a number of the cheapest vehicles to buy coverage for.

Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Utah minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Information does not factor in Utah location which can change prices noticeably.

Looking at the rates, we can tell that vehicles like the Honda CR-V, Ford Escape, Ford F-150, and Honda Odyssey are the most economical vehicles to insure for drivers with handicaps.

Finding decent, low-cost auto insurance is confusing at best, and deciding which companies have the cheapest insurance rates for handicapped drivers calls for even more shopping around.

Each insurance company uses a little different formula for setting rates, so let’s take a look at the most affordable insurance companies in Utah. It’s important that you understand Utah insurance rates are influenced by many factors that will increase or decrease your annual premium. Things like having a birthday, having a teen driver, or having an at-fault accident can trigger rate changes that can now make some companies more expensive than competitors.

Cheapest Insurance Rates in Utah

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Bear River normally has some of the best car insurance rates in Utah at around $566 a year. USAA, Auto-Owners, American Family, and Allied would also be considered some of the most economical Utah insurance companies.

In the above rates, if you have coverage with Allied and switched to USAA, you could earn an annual premium reduction of in the neighborhood of $215. Policyholders with GEICO could save as much as $251 a year, and Safeco insureds might realize rate reductions of up to $267 a year.

Remember that these policy rates are averaged across all types of drivers and the different vehicles they drive and do not take into consideration a price discount for handicapped drivers. So the company that is best for you may not even be included in the list above. That affirms the importance of why you need to compare prices as often as possible using your own individual information.

Safe drivers Utah pay cheaper rates

The easiest method to maintain cheap car insurance for handicapped drivers in Utah is to be a safe driver and not have accidents or get tickets. The chart below highlights how traffic violations and at-fault collisions can drive up insurance rates for each different age group. The price estimates are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

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The data above shows the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,756. Factor in one speeding ticket and the average cost surges to $2,017, an increase of $260 each year. Then add in one accident along with the one speeding ticket and the yearly cost of insurance for handicapped drivers jumps again to an average of $2,761. That’s an increase of $1,005, or $84 per month, just for not maintaining a clean driving record!

Utah insurance companies ranked

Choosing the top insurance company can be difficult considering how many companies sell insurance in Utah. The rank data in the lists below could help you analyze which providers you want to consider when shopping your coverage around.

These rankings are for companies with a national presence, so companies that have a smaller presence are not taken into consideration for these rankings. If you wish to compare prices from these and other companies in Utah, just click here.

Top 10 Major Car Insurance Companies in Utah Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Progressive
5. GEICO
6. Liberty Mutual
7. Allstate
8. The Hartford
9. The General
10. 21st Century

How to find economical insurance for handicapped drivers

It’s not impossible to find cheaper rates, and here are some of the recommended thrifty suggestions that can help drivers locate more affordable coverage.

• Maintain a clean driving record
• Higher deductibles save money
• Drive attentively and avoid accidents
• Good credit scores may make rates cheaper
• The safer your car, the less it costs to insure
• Drop full coverage on older vehicles
• Compare rates regularly and switch companies to save money

That last idea is especially significant, as was stressed in this article. Prices charged by car insurance companies adjust often, so drivers shouldn’t hesitate to change to a new company if a lower-cost policy is available. Many consumers stick with the same company and that’s fine, but it isn’t a good idea if it’s costing you money that could be going to better use. It takes less than five minutes to compare rates to find cheaper insurance for handicapped drivers.