Despite what many people think, "full coverage" is not a box your insurers can check. There is no set amount of coverage that's considered full coverage. Full coverage simply refers to having the most amount of coverage you can place on your vehicle. In Utah, you must carry no-fault insurance including a minimum amount of liability insurance and personal insurance protection (PIP). Coverages that carriers working with ISU-Wiseman Insurance cover may include:

• Liability
• Uninsured Motorist
• No-fault Comprehensive
• Collision
• Accident Forgiveness
• Rental Reimbursement
• Towing & Labor
• OEM Parts

There are several instances when an insurance company may refuse to cover a claim. If the cost of the damage reaches beyond the amount of coverage your car has, you may have to pay the difference. This also concerns not having the right coverage. For example, you likely won't be covered for an accident with another vehicle if you don’t have collision coverage.

In general, insurance companies may look as far back as five years on your driving record. They view traffic violations, tickets, fines and other violations that may prove you as a safe driver or a high-risk driver.

Auto insurance rates change frequently due to several factors, some of which are out of your control. Insurance companies not only consider your driving record and age but also your location, the number of accidents in your area and similar factors. Your car insurance generally goes down the older you get until you near your 70s, but your rate can go up if you move to high-risk areas with a lot of traffic and expensive vehicles.

There are a few ways you can lower your insurance rates. Driving cheaper cars (especially avoiding sportscars) can make a drastic difference on the amount you pay. You can also shop for discounts such as good driver discounts, good student discounts and more. Call ISU-Wiseman Insurance at (801) 377-3060 or fill out an online quote form today.