Hooper, UT Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Hooper, 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.
Low Cost Car Insurance in Hooper, Utah
The average cost of car insurance in Hooper, UT, is $1,278. It is no secret that auto insurance is mandatory in most states. After all, a car accident that results in damages and injuries can cause severe financial issues for the responsible party. Still, car insurance companies offer various car insurance policies depending on the driver's requirements. The prices and coverages associated with these policies vary tremendously from one company to another. If you are interested in finding the most affordable car insurance in Hooper, UT, follow the tips mentioned below.
a. Choose a high deductible
A deductible is the money a car owner has to pay out before their insurance coverage kicks in. For instance, if you have an auto accident that costs $8,000 to repair and your insurance has a $1000 deductible, you will pay the first $1000, and your insurer will cover the rest. Generally, the higher your deductible, the lower your auto insurance rates in Hooper, UT.
For instance, car owners who opted for a high deductible of 1000 pay a premium of $1,083, whereas car owners who opted for a deductible of 500 pay $1,282.
b. Maintain a high credit score
Your credit score can affect your auto insurance rates in Hooper, UT. For instance, car owners with exceptional credit scores have to pay $1,097, whereas car owners with poor or low credit scores have to pay $2,085 in Hooper, UT. Therefore, car owners must maintain a good credit score to avail discounts on car insurance rates in Hooper, UT.
c. Avoid Driving under the influence (DUI)
Insurance providers go through your driving history to determine how you drive and how likely you would get into an accident. If convicted of Driving under the influence, your car insurance rates would be higher.
For instance, the average cost of auto insurance in Hooper, UT, is $1,278. Car owners with a history of Driving under the influence (DUI) pay a premium of $1,944 post-DUI. Therefore, the cost of insurance increases post-DUI.
Factors that can influence the cost of car insurance in Hooper, 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.
- Hooper, UT Auto Insurance Rates
- Hooper, UT Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Hooper, UT
- Multi Vehicle Insurance Savings in Hooper, UT
- How Credit Score Affects Car Insurance Rates in Hooper, UT
- How DUI Affects Auto Insurance Premiums in Hooper, UT
- How Driving Violations Affect Auto Insurance Rates in Hooper, UT
- Hooper, UT Auto Insurance Discounts on Anti Theft Feature
Hooper, UT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Hooper, UT with that of other cities in and around Hooper.
| Hooper | West Haven | Northwest Weber | West Point | Clinton | Davis County | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,278 | $1,267 | $1,326 | $1,603 | $1,234 | $1,255 |
Hooper, 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 Hooper, 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) |
|---|---|---|
| Hooper | $1,282 | $1,083 |
| Northwest Weber | $1,869 | $1,579 |
| North Davis | $971 | $820 |
| Davis County | $1,483 | $1,253 |
| West Point | $1,328 | $1,121 |
| Clinton | $1,450 | $1,225 |
| Syracuse | $2,347 | $1,983 |
| West Haven | $1,879 | $1,587 |
Hooper, UT Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Hooper, 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 | $4,147 |
| 20 Years | $1,642 |
| 30 Years | $1,265 |
| 40 Years | $1,217 |
| 50 Years | $1,127 |
| 60 Years | $1,143 |
| 70 Years | $1,330 |
Hooper, UT Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Hooper, 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 | $2,198 | $358 |
| 3 Vehicles | $3,297 | $537 |
| 4 Vehicles | $4,396 | $716 |
Savings on 2 Vehicles bundle:$358
Savings on 3 Vehicles bundle:$537
Savings on 4 Vehicles bundle:$716
Hooper, 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 Hooper, UT.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Hooper | $1,278 | $1,944 |
| Northwest Weber | $1,326 | $2,017 |
| North Davis | $1,609 | $2,447 |
| Davis County | $1,255 | $1,909 |
| West Point | $1,603 | $2,438 |
| Clinton | $1,234 | $1,877 |
| Syracuse | $1,268 | $1,928 |
| West Haven | $1,267 | $1,927 |
Hooper, 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) | $1,097 |
| Excellent (740-799) | $1,252 |
| Good (670-739) | $1,332 |
| Average (580-669) | $1,737 |
| Poor (300-579) | $2,085 |
Hooper, 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 | $1,334 |
| Driver's Failure In Showing Documents | +$124 | $1,402 |
| Driving With An Expired Registration | +$132 | $1,410 |
| Driving At A Considerably Slow Pace | +$277 | $1,555 |
| Using A Cellphone While Driving | +$293 | $1,571 |
| Running A Red Light | +$298 | $1,576 |
| Speeding | +$313 | $1,591 |
| Driving A Vehicle Without The Required Permission | +$397 | $1,675 |
| Driving With An Expired/Suspended License | +$861 | $2,139 |
Hooper, 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 | $1,227 |
| Active Disabling Device | $1,227 |
| Tracking Device | $1,201 |
| Passive Disabling Device | $1,189 |