Auto Insurance for North Ogden, UT
The correct auto insurance policy helps get you back in your vehicle fast if your car becomes damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy could also provide protection in the case of medical and legal expenses that result in loss of life, injury, or property damage created by an accident that involves your vehicle.
An auto insurance policy is a contract between you and your insurance company. In return for the vehicle owner paying a premium, the insurance company promises to pay for particular vehicle-related monetary losses while the policy is active. Wayne Peart Insurance Agencies can help you choose the best coverage for your needs.
How much auto insurance do you need?
Our team of insurance professionals understands the North Ogden car insurance needs of our customers. To finance a car, it is most often mandatory to have insurance, which covers destruction to your vehicle. This includes:
- Collision Insurance: Collision covers destruction caused to your car in an automobile accident. Standard collision coverage pays for any repairs up to your car’s fair market value. Collision coverage typically comes with an insurance deductible, or, what you pay toward repairs before your collision insurance kicks in. You will pay less collision coverage if you can have a higher deductible.
- Comprehensive Insurance: Comprehensive insurance pays for destruction done to your car in a means other than a collision. Cases of this include if the car got stolen, vandalized, or damaged by a flood, hurricane, fire, or other weather instance. Damage to your windshield can also be covered by comprehensive car insurance. Similar to
collision, comprehensive will pay up to the fair market value of your car (after taking out your insurance deductible). Even though it isn’t legally required by any state, you will most likely need it if you have a financed vehicle.
Contact Wayne Peart Insurance Agencies Today
Each case is different– contact us to find out how to get the best price and value on North Ogden, UT car insurance. Call us today at 801-779-2886 to receive a quote.