Bingham, UT Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Bingham, UT, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Three Ways to Avail Discounts on Car Insurance in Bingham, UT
Whether you own a new or used car, you have to purchase insurance to protect your investment. Car insurance costs differ from driver to driver. Therefore, it is important to understand the policy in order to choose the right car insurance plan for yourself. The average cost of car insurance in Bingham, UT, is $1,284. There are specific alternatives that allow car drivers to reduce their car insurance rates in Bingham, UT.
Here are a few cost-saving tips to help you save money on car insurance in Bingham, UT.
a. By obeying driving regulations
The major factors determining your car insurance rate in Bingham, UT, are your driving history and how you use your vehicle. You can maintain the insurance cost down by obeying driving regulations, such as not speeding, not texting while driving, and not running red lights or stop signs. If you have a clean driving record, you’ll be able to get cheaper car insurance.
For instance, car drivers punished for driving without headlights or using a phone while driving have to pay +$56 and +$294 extra on the total cost insurance.
Refer to the graph below to understand the car insurance rates per driving violation.
b. By opting for a high deductible
Car drivers in Bingham, UT, can opt for higher deductibles to reduce their auto insurance premiums. A deductible is a sum of money you are responsible for before an insurance company starts to pay any of your claims. The higher the deductible, the lower the auto insurance. Auto drivers in Bingham who opt for a low deductible of 500 pay $1,577, whereas those who opt for a higher deductible of 1000 pay $1,332. Here, by paying a higher deductible, you can save up to $245.
c. By availing of multi-car discounts
Multi-car discount is one of the best ways to save money on your car insurance in Bingham, UT. Adding more vehicles to your policy with the same insurance provider can get you a multi-car discount. It means policyholders can save a few dollars on car insurance in Bingham, UT.
Generally, in Bingham, UT, car owners pay $2,183 on two vehicles and $3,274 on three cars. They can save up to $385 and $578 on car insurance rates.
Factors that can influence the cost of car insurance in Bingham, UT are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Bingham, UT Auto Insurance Rates
- Bingham, UT Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Bingham, UT
- Multi Vehicle Insurance Savings in Bingham, UT
- How Credit Score Affects Car Insurance Rates in Bingham, UT
- How DUI Affects Auto Insurance Premiums in Bingham, UT
- Top Auto Insurance Agents Near Bingham, UT
- How Driving Violations Affect Auto Insurance Rates in Bingham, UT
- Bingham, UT Auto Insurance Discounts on Anti Theft Feature
Bingham, UT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Bingham, UT with that of other cities in and around Bingham.
| Bingham | Riverton | Bluffdale | West Jordan | Kearns | South Jordan | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,284 | $1,265 | $1,350 | $1,254 | $1,212 | $1,303 |
Bingham, UT Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Bingham, UT based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Bingham | $1,577 | $1,332 |
| Herriman | $1,032 | $872 |
| Copperton | $1,079 | $912 |
| South Jordan | $1,651 | $1,395 |
| Riverton | $998 | $843 |
| West Jordan | $1,387 | $1,172 |
| Bluffdale | $1,949 | $1,646 |
| Kearns | $1,112 | $940 |
Bingham, UT Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Bingham, UT usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,166 |
| 20 Years | $1,650 |
| 30 Years | $1,271 |
| 40 Years | $1,223 |
| 50 Years | $1,132 |
| 60 Years | $1,148 |
| 70 Years | $1,336 |
Bingham, UT Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Bingham, UT can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,183 | $385 |
| 3 Vehicles | $3,274 | $578 |
| 4 Vehicles | $4,366 | $770 |
Savings on 2 Vehicles bundle:$385
Savings on 3 Vehicles bundle:$578
Savings on 4 Vehicles bundle:$770
Bingham, UT Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Bingham, UT.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Bingham | $1,284 | $1,953 |
| Herriman | $1,300 | $1,977 |
| Copperton | $1,565 | $2,380 |
| South Jordan | $1,303 | $1,982 |
| Riverton | $1,265 | $1,924 |
| West Jordan | $1,254 | $1,907 |
| Bluffdale | $1,350 | $2,053 |
| Kearns | $1,212 | $1,843 |
Bingham, UT Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,102 |
| Excellent (740-799) | $1,258 |
| Good (670-739) | $1,338 |
| Average (580-669) | $1,746 |
| Poor (300-579) | $2,094 |
Bingham, UT Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Banasky Insurance Inc | Travelers | 12401 S 450 E UNIT D1, DRAPER, 84020 | 801-748-1009 |
| Dan Rodriguez | State Farm | 2120 W 12600 S Ste A2, Riverton, 84065-7131 | 801-254-4441 |
| Trudy Fegel | Allstate | 191 E 12300 S Ste M3, Draper, 84020 | (801) 256-6556 |
| Tj Olson | State Farm | 5524 W 13400 S, Herriman, 84096-6919 | 801-302-7902 |
| Paul Arguello | State Farm | 3544 W 6200 S Ste 102, Taylorsville, 84129-3206 | 801-531-6700 |
| Carlos Cabarcas | State Farm | 4922 W 6200 S, Salt Lake Cty, 84118-6703 | 801-982-9000 |
| G Ware | Liberty Mutual | 12427 South Pasture Road Suite 100, Riverton, 84096 | 1-801-253-3958 |
| Baker Insurance Services Inc | Travelers | 9235B SOUTH REDWOOD RD, WEST JORDAN, 84088 | 801-566-8040 |
| Universal Business Ins Inc | Travelers | 9980 S 300 W STE 320, SANDY, 84070 | 801-984-6100 |
Bingham, UT Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$56 | $1,340 |
| Driver's Failure In Showing Documents | +$125 | $1,409 |
| Driving With An Expired Registration | +$132 | $1,416 |
| Driving At A Considerably Slow Pace | +$279 | $1,563 |
| Using A Cellphone While Driving | +$294 | $1,578 |
| Running A Red Light | +$299 | $1,583 |
| Speeding | +$315 | $1,599 |
| Driving A Vehicle Without The Required Permission | +$399 | $1,683 |
| Driving With An Expired/Suspended License | +$865 | $2,149 |
Bingham, UT Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,233 |
| Active Disabling Device | $1,233 |
| Tracking Device | $1,207 |
| Passive Disabling Device | $1,194 |