Auto Insurance in Salt Lake City, UT
Better Car Insurance, Better Price
We are a local, family owned, independent agency. We compare your coverage across a wide range of companies and present the best option, providing Better Coverage at a Better Price.
- Quotes compared across multiple top-rated carriers
- Serving Salt Lake City & all of Utah
Local Utah Agents
Right here in Salt Lake City, on Redwood Road.
01 Why It Matters
Why Adequate Car Insurance Limits Matter in Utah
We always advise: it is you, and the people in your car, that more often than not benefit from higher limits in the event of an auto accident. Call or click and let us discuss how high limits benefit you most.
A properly built auto policy protects:
- Your own vehicle
- Other people's vehicles and property
- Medical bills you are responsible for
- Your injuries when the other driver has no coverage
- Legal defense if you are sued
- Your savings, your home, your future income
Higher limits often cost far less than people expect. Let us show you the difference.
Find Out What You Should Be Paying
One conversation, quotes from multiple carriers, no obligation.
02 Coverage Explained
The Coverages That Actually Matter
When you read your policy you may wonder what each coverage does and why it is there. Here are the important ones, in plain English.
Collision Coverage
Covers your own car when damaged in an accident with another vehicle, a fixed object, a curb, a guard rail or a house.
Get a quoteYour Car
Comprehensive Coverage
Also covers your car, but for everything that is not a collision: theft, a rock that cracks your windshield, hail, or an animal you may hit.
Get a quoteTheft & Weather
Property Damage
Covers damage to other cars and fixed objects, including guard rails or a fence. Did You Know? It costs a few dollars every six months to raise your Property Damage limit from $50,000 to $100,000. Consider even higher limits, a luxury car you may damage can easily be worth over $100,000.
Get a quoteTheir Property
Bodily Injury Liability
Pays medical bills along with pain & suffering for anyone you injure in an accident. Did You Know? The passengers in your car can claim against an at-fault driver and benefit from this coverage. Again, it is you and the passengers in your car that most often benefit from high bodily injury limits.
Get a quoteTheir Injuries
Uninsured Motorist
Pays for your medical bills (the driver's and passengers') along with pain & suffering from an accident with an uninsured vehicle. Did You Know? Uninsured Motorist coverage also covers you as a passenger in another vehicle.
Get a quoteYour Protection
Underinsured Motorist
Covers your medical bills and pain & suffering when you are in an accident with a driver whose limits are not enough to cover your loss. Did You Know? If you are injured as a pedestrian or on your bicycle, you can file a claim under your uninsured/underinsured motorist coverage. Again, it is you and the passengers in your car that benefit from higher uninsured/underinsured limits.
Get a quoteYour Protection
03 The Real Risk
What Being Underinsured Actually Costs
Utah's state minimum liability limits are $30,000 per person / $65,000 per accident for bodily injury and $25,000 for property damage, far lower than what a serious accident costs. When your limits run out, you become responsible for the expenses. These are the costs an at-fault driver can be personally responsible for:
Check My Current Limits- 01 Emergency care and hospital bills
- 02 Long-term treatment and rehabilitation
- 03 Lost wages you have to reimburse
- 04 Legal defense and settlements
- 05 The cost of the Porsche or Range Rover you just totaled, over your $25,000, $50,000 or $100,000 property damage limit. (Ask about higher limits.)
Stop Overpaying for the Wrong Coverage
We read the fine print so you do not have to. Compare your policy today.
04 What You Get
What Working With an Independent Agency Gets You
A local person to call when you have a claim
We compare your coverage with many companies
There is no additional cost to work with a knowledgeable, independent agent
We help you avoid hidden gaps and exclusions from some carriers
Bundling discounts when insuring your home or condo
05 Pricing
What Actually Determines Your Rate
Carriers price the same driver very differently, which is exactly why comparing matters. These are the factors that move your premium the most.
See What I Should Be PayingCommon car insurance rating factors in Utah:
- Age 01
- Credit 02
- Vehicle 03
- Driving history 04
- Household 05
06 Why Anderson
Why Drivers Choose Anderson Insurance
We are a 100% independent, locally owned agency on Redwood Road in Salt Lake City. We review your current coverage, compare it across a wide range of providers, and make sure there are no hidden gaps, so you can stop trying to decode legal jargon on your own. We represent many carriers, which gives you options.
- We compare, we do not sell one carrier
- Our service costs you nothing extra
- We read the exclusions and conditions for you
- Local agents you can actually reach
- We keep checking the market as your life changes
07 Our Clients
Utah Drivers We Look After
Real customers, real cars, photographed at our office and around the valley.
08 More Coverage
Additional Auto Insurance Coverages
Many carriers offer additional coverages you can add to your policy for very little cost. These are the most common:
GAP Insurance
When you buy a new car without a large down payment, you can owe more than it is worth if it is totaled. GAP insurance pays the difference between what the insurance company pays and your loan balance, so you do not have to. If you have equity in your car (you owe less than it is worth), you do not need it, and adding it to your auto policy usually costs far less than buying it from the dealer.
Diminished Value Coverage
When a vehicle has been in an accident and the damage shows on the Carfax, its value typically drops. Diminished Value (DV) coverage helps cover that depreciation. In Utah, companies typically pay 15% of the damage to the car ($10,000 in damage = $1,500 in DV benefit). You must carry collision or comprehensive and claim it on your own auto policy.
Purchase Price Guarantee / New Vehicle Replacement
Purchase Price Guarantee provides the original purchase price of the insured vehicle in the event of a total loss. It normally applies for the first two years you own the car and can only be added when you are the original owner.
OEM Parts Coverage
OEM (Original Equipment Manufacturer) parts coverage replaces damaged parts with new, original-manufacturer parts. It may be limited depending on the age of your car and your carrier's terms, see your policy or agent for details. It may not apply to glass.
Limited Transportation Network Coverage
If you use your car for Uber, Lyft, Uber Eats, DoorDash or any rideshare or delivery service, contact your agent to discuss the cost and exactly when this coverage does and does not apply, it can get complicated.
$0 Glass Deductible
Many carriers offer full glass coverage so you pay nothing to replace your windshield. While we generally recommend higher deductibles and paying for windshields out of pocket, this can be a nice benefit.
09 More Benefits
Additional Auto Insurance Benefits
Accident Forgiveness
If you are in an at-fault accident, your premium will not go up as a result. Eligibility is based on your driving record, and forgiveness can be immediate or earned after a set period of accident-free driving.
Deductible Credits
Deductible credits are normally $100 for each accident-free year of driving, usually capping at $500. For example, with a $500 deductible and this benefit on your policy, after 5 renewals you would have earned $500 in credit and pay nothing to repair your car.
Get Your Salt Lake City Car Insurance Quote
Ready to save time, aggravation and money? Answer a few questions and we will do the comparison. We look forward to meeting you.
Free & Fast Quote
Request Your Proposal
Two short pages. The vehicle details are what let us price it accurately.
FAQ
Frequently Asked Questions
The questions Utah drivers ask us most.
Does using an independent agent cost me more?
No. It does not cost you a penny more. We are compensated by the insurance carriers directly, and we work on your behalf, comparing providers, covering your real exposures and making sure there are no hidden gaps in your policy.
How much car insurance do I actually need in Utah?
More than the state minimum, in almost every case. Minimum limits were set a long time ago and medical costs have moved a long way since. If you are found at fault and your limits run out, the rest comes out of your own pocket. We will walk you through what the right limits look like for your situation.
Why did my car insurance rate go up when nothing changed?
Rates move for reasons that have nothing to do with you, carriers refile pricing, repair and medical costs rise, and claim patterns shift across a whole area. That is exactly when comparing pays off: the carrier that was cheapest for you three years ago often is not the cheapest today.
Can I bundle my auto and home insurance?
Yes, and it is usually worth checking. Bundling auto with homeowners often lowers both premiums. Because we work with many carriers, we can compare bundled and separate options side by side and tell you which actually comes out ahead.