Oakley, UT Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Oakley, 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.
Affordable Car Insurance Rates in Oakley, UT
The average cost of car insurance in Oakley, UT, is $1,279. According to the requirements laid by Utah state, all drivers have to carry a minimum level of auto insurance in Oakley. If you fail to carry the appropriate insurance policy, you may be at risk of incurring stiff penalties and fines as a result. As such, all drivers in Oakley must compare and analyze their options before signing up for an insurance plan. This article will give you some major insights that will lead to cheap auto insurance in Oakley, UT.
a. Choose a high deductible
There are a lot of variables to consider when choosing insurance coverage that fits your needs. The first factor to consider is the deductible amount. A deductible is an amount the policyholder pays before their insurance provider kicks in. Higher deductibles lead to lower car insurance rates, but only choose this option if you're capable of paying the deductible out of your pocket.
For instance, car owners who opted for a high deductible of 1000 pay a premium of $1,188, whereas car owners who opted for a deductible of 500 pay $1,406.
b. Maintain a high credit score
Do you know that your good credit can save you money on your car insurance in Oakley, UT? According to Zimlon's research, people who have maintained a stable credit score can cut their insurance costs. Paying your bills on time, not borrowing more than you need, and keeping debts under control are some ways to keep your credit score high. Check your credit report annually and make sure it is accurate so that you continue to get the best car insurance rates in Oakley, UT. For instance, car owners with exceptional credit scores have to pay $1,097, whereas car owners with poor credit scores have to pay $2,086.
c. Avoid Driving under the influence (DUI)
Insurance companies monitor your driving patterns, including your driving history. Therefore, avoid breaking the driving rules as it can get you substantial discounts on auto insurance rates in Oakley, UT. For instance, the average cost of auto insurance in Oakley, UT, is $1,279. Car owners with a history of Driving under the influence (DUI) pay a premium of $1,945 post-DUI. Therefore, the cost of insurance increases post-DUI.
Factors that can influence the cost of car insurance in Oakley, 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.
- Oakley, UT Auto Insurance Rates
- Oakley, UT Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Oakley, UT
- Multi Vehicle Insurance Savings in Oakley, UT
- How Credit Score Affects Car Insurance Rates in Oakley, UT
- How DUI Affects Auto Insurance Premiums in Oakley, UT
- Top Auto Insurance Agents Near Oakley, UT
- How Driving Violations Affect Auto Insurance Rates in Oakley, UT
- Oakley, UT Auto Insurance Discounts on Anti Theft Feature
Oakley, UT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Oakley, UT with that of other cities in and around Oakley.
|Average Insurance Rates||$1,279||$1,293||$1,305||$2,115||$1,495||$1,274|
Oakley, 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 Oakley, 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)|
Oakley, UT Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Oakley, 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|
Oakley, UT Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Oakley, 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|
Savings on 2 Vehicles bundle:$307
Savings on 3 Vehicles bundle:$460
Savings on 4 Vehicles bundle:$614
Oakley, 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 Oakley, UT.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Oakley, 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|
Oakley, 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|
|[||'||L, , r||o|
|Bryan Daybell||State Farm||1960 Sidewinder Dr Ste 105, Park City, 84060-7361||435-649-9161|
|Garve Walker||Allstate||6531 N Landmark Dr Ste B, Park City, 84098||(435) 214-4789|
|Craig Cooper||Allstate||505 Main St, Park City, 84060||(435) 647-9898|
|Justin Englebright Cpcu, Clu, Chfc||State Farm||1887 Gold Dust Lane Suite 102, Park City, 84060-7290||435-649-3332|
|Troy Martinez||State Farm||7044 S State St, Midvale, 84047-1556||801-432-2090|
|Leavitt Grp. Heber||Allstate||190 N Main PO Box 129, Heber City, 84032||(435) 654-0572|
|Paul Dubbs||State Farm||1270 E 8600 S Suite 8, Sandy, 84094-1298||801-566-5111|
|[||'||K, e, n||e|
|[||'||K, e, n||e|
Oakley, 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||$1,335|
|Driver's Failure In Showing Documents||+$124||$1,403|
|Driving With An Expired Registration||+$132||$1,411|
|Driving At A Considerably Slow Pace||+$278||$1,557|
|Using A Cellphone While Driving||+$293||$1,572|
|Running A Red Light||+$298||$1,577|
|Driving A Vehicle Without The Required Permission||+$398||$1,677|
|Driving With An Expired/Suspended License||+$862||$2,141|
Oakley, 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|
|Active Disabling Device||$1,228|
|Passive Disabling Device||$1,189|