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Utah’s Minimum Auto Insurance Requirements

To drive legally in Utah, you need at least:

• $25,000 for bodily injury per person
• $65,000 for bodily injury per accident
• $15,000 for property damage

Policies that meet these minimums will often be the cheapest, but they might not provide enough coverage in case of a serious accident. Liability-only coverage is the most affordable option but doesn’t cover your vehicle for damages caused by accidents, theft, or weather.

Which Companies Offer the Cheapest Auto Insurance?

Insurance companies like Branch, Root, National General, and Nationwide are known for offering competitive rates without sacrificing essential coverage. By working with a variety of providers, The Endeavor Agency can help you compare options and find the most affordable plan for your needs.

Is Cheap Insurance Right for You?

While saving money is great, keep in mind that the cheapest policy might leave gaps in your coverage. You should weigh the pros and cons based on your driving habits, vehicle value, and personal needs. At The Endeavor Agency, we’ll shop all of these carriers for you with just one application, making it easy to find the most affordable and comprehensive coverage. Request a quote today to start saving!

The post What is the Cheapest Auto Insurance in Utah? first appeared on Endeavor Insurance Group.

So, what should you look for when seeking the best auto insurance?

1. Comprehensive Coverage
   This protects your vehicle from non-collision-related incidents such as theft, vandalism, or weather damage.
2. Collision Coverage
   Whether you’re at fault or not, this covers the cost of repairs to your vehicle if you’re in an accident.
3. Liability Insurance
   Utah requires drivers to carry a minimum of $25,000 per person and $65,000 per accident in bodily injury liability, along with $15,000 for property damage. The best auto insurance will offer more than just the minimum to protect your financial assets.
4. Uninsured/Underinsured Motorist Protection
   This coverage ensures you’re protected if you’re hit by a driver without sufficient insurance.

In Utah, Nationwide, Branch, National General, and Root are among the top-rated insurance providers. These carriers offer not only strong coverage options but also perks like roadside assistance, rental car reimbursement, and hassle-free claims processes. The best policy is one that offers both protection and peace of mind—coverage you can count on when it matters most.

Which Policy is Best for You?

The best auto insurance fits your personal driving history, vehicle value, and how much protection you need. The Endeavor Agency will shop all of these carriers for you with one application, making it easier than ever to choose the best option for your needs. Contact us today for a customized quote!

The post What Auto Insurance is the Best in Utah? first appeared on Endeavor Insurance Group.

The post Life Insurance: Essential Protection for LGBTQ Families first appeared on Endeavor Insurance Group.

1. Liability Coverage

Liability coverage is the foundation of any auto insurance policy. It’s also required by law in most states. This coverage is divided into two parts:

• Bodily Injury Liability: Covers medical expenses, lost wages, and legal fees if you’re at fault in an accident that injures someone else.
• Property Damage Liability: Covers the cost of repairs or replacement if you damage another person’s property, such as their vehicle or a structure.

How much should you have?
It’s crucial to carry enough liability coverage to protect your assets in case of a severe accident. Most experts recommend a minimum of $100,000 per person and $300,000 per accident for bodily injury liability, along with at least $100,000 for property damage liability.

2. Collision Coverage

Collision coverage pays for repairs to your vehicle if you’re involved in an accident, regardless of who is at fault. This coverage is especially important if you’re driving a newer or more valuable car.

How much should you have?
If your vehicle is financed or leased, your lender may require collision coverage. Even if it’s not required, it’s a wise investment to ensure your car is protected. The amount of coverage you need should at least equal the value of your car.

3. Comprehensive Coverage

Comprehensive coverage protects your car against non-collision-related incidents such as theft, vandalism, fire, and natural disasters. It also covers damage from animals, like hitting a deer.

How much should you have?
Like collision coverage, comprehensive coverage is typically required by lenders for financed or leased vehicles. If you own your car outright, consider whether the value of your car justifies the cost of comprehensive coverage.

4. Uninsured/Underinsured Motorist Coverage

Unfortunately, not everyone on the road carries adequate insurance. Uninsured/underinsured motorist coverage steps in to protect you if you’re involved in an accident with a driver who has little or no insurance.

How much should you have?
This coverage is vital, as it ensures you won’t be left footing the bill for an accident caused by an uninsured or underinsured driver. Coverage limits should align with your liability limits to offer maximum protection.

5. Personal Injury Protection (PIP) or Medical Payments Coverage

Personal Injury Protection (PIP) or Medical Payments coverage helps pay for medical expenses for you and your passengers after an accident, regardless of who is at fault. PIP may also cover lost wages and other related costs.

How much should you have?
The amount of PIP or Medical Payments coverage you need depends on your health insurance plan and whether you want extra protection for medical costs that might arise from an accident.

6. Gap Insurance

If you’re financing or leasing a new car, gap insurance is worth considering. It covers the difference between what you owe on your car loan and the car’s actual cash value if your vehicle is totaled or stolen.

How much should you have?
Gap insurance is particularly important for new cars that depreciate quickly. If you owe more on your car loan than the car’s current value, this coverage could save you thousands of dollars.

7. Roadside Assistance

Roadside assistance can be a lifesaver if you’re stranded due to a breakdown, flat tire, or other roadside emergencies. It typically covers towing, fuel delivery, lockout service, and more.

How much should you have?
Consider this coverage if you frequently travel long distances or drive an older vehicle. The peace of mind it provides is often well worth the modest cost.

Conclusion: Tailoring Your Coverage

The ideal auto insurance coverage depends on several factors, including your state’s requirements, the value of your vehicle, your driving habits, and your financial situation. It’s important to review your policy regularly and adjust your coverage as your needs change.

Ready to review your auto insurance and ensure you have the right coverage in place? At The Endeavor Agency, we can help you find the best policy to protect you on the road. Get an instant quote today and see how much you could save!

For personalized assistance or if you have any questions, don’t hesitate to reach out. We’re here to help you navigate your auto insurance needs with confidence.

Contact us today for a free quote and take the first step towards better protection on the road!

The post What Auto Insurance Coverage Should I Have? first appeared on Endeavor Insurance Group.

Utah’s State Minimums: 26/65/15 Deciphered

• Bodily Injury Liability (BI): $26,000 per person / $65,000 per accident:
  • This means your insurance will cover up to $26,000 in medical expenses for an individual injured in an accident.
  • The $65,000 per accident limit ensures coverage for the total medical expenses of all individuals injured in the same accident, but no single person can receive more than $26,000.
• Property Damage Liability (PD): $15,000:
  • This covers the cost of repairing or replacing the other party’s vehicle or property if you’re at fault in an accident.

These minimums serve as a baseline, and while they fulfill legal requirements, they might not provide sufficient coverage in more severe accidents. It’s crucial to assess your individual risk factors and consider higher coverage limits for better protection.

Deductibles: The Cost Sharing Factor

Now, let’s talk deductibles. A deductible is the amount you agree to pay out of pocket before your insurance kicks in. The two primary types are:

1. Collision Deductible:
   • Applies when your vehicle collides with another vehicle or object.
   • Example: If you have a $500 collision deductible and the repair cost is $2,000, you pay $500, and the insurance covers the remaining $1,500.
2. Comprehensive Deductible:
   • Applies to non-collision incidents like theft, vandalism, or natural disasters.
   • Example: With a $250 comprehensive deductible and a $1,000 repair bill for hail damage, you pay $250, and the insurance covers the remaining $750.

Choosing deductibles involves a trade-off. Higher deductibles often result in lower premiums but mean you’ll pay more out of pocket in the event of a claim. Lower deductibles provide more immediate coverage but may lead to higher premium costs.

Conclusion

Navigating auto insurance limits and deductibles in Utah is about finding the right balance for your unique needs. While meeting state minimums is essential, considering higher limits and deductible options provides a personalized safety net tailored to your financial circumstances and risk tolerance.

For a comprehensive review of your auto insurance needs and a personalized quote, connect with The Endeavor Agency. Call or text us at 801-876-1150 or visit endeavoragy.com. Let’s ensure your journey on Utah’s roads is not only legal but well-protected.

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Before you hit the road (or let someone else hit the road in your car), make sure you have the right car insurance coverage. Get a fast, free quote at endeavoragy..com and see how much you could save!

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Road trips are all about adventure, but having an itinerary will ensure that you don’t wander so much that you’re burnt out on driving. Use Google Maps to research your trip well before departure, and make sure to download your route for offline use in areas where phone service may be limited.

…with plenty of stops along the way to keep things interesting

Even if your road trip is only a few hours long, it’s still nice to get out and stretch your legs every once in a while. Search along your route for rest stops, fun roadside attractions, and other activities that can offer a short break from the monotony of driving.

Get your car checked out by a mechanic before heading out

Before heading out on your trip, make sure that your car is in traveling condition. Check the oil, tires, and headlights, and ensure that everything is in proper working order.

Give your car a good deep-cleaning

No one wants to travel in a dirty car. Take yours in for an inexpensive detail job, or DIY it by vacuuming all your surfaces, removing any trash and junk from your backseat, and wiping down cup holders.

Pack lots of snacks

Sure, there will be plenty of gas stations along your route, but they don’t always have the best (or healthiest) snacks. Shelf-stable snacks like peanut butter, crackers, beef jerky, and trail mix are excellent for road trips.

Create good playlists

If you’ve got a long drive ahead, preventing boredom is essential. Load up your phone with music you love, and make sure you’ve got plenty of up-tempo tunes to help keep you awake during those late-night stretches. Streaming platforms like Spotify and Apple Music offer tons of playlists perfect for road trips across a variety of musical genres.

…or download some compelling audiobooks or podcasts

If you’re tired of listening to music, switch to something more narrative. Download a serial podcast or audiobook, and spend your drive absorbing new knowledge instead of just watching the scenery pass by.

Use a maps app to avoid traffic on the fly

Traffic and accidents can be hard to predict on a road trip. That’s where apps like Waze and Google Maps come into play. Thanks to user-generated reports, these apps can tell you about upcoming slowdowns, accidents, and even debris on the road to help make your trip even safer.

Create a kit of road trip essentials in the car

When you’re road-tripping, it’s important to make sure that your car is stocked up with the essentials. Make sure that you’ve got jumper cables, a first aid kit, and a couple of extra gallons of water in the trunk just in case anything goes awry. Back-up phone battery packs and tools for changing a tire or making quick repairs can also be handy.

Skip junk food in favor of healthier snacks

As tempting as it might be to snack on chips and candy, choosing healthier snacks will make sure that you don’t feel terrible at the end of your road trip. Choose protein-heavy options like jerky, hard-boiled eggs, and cheese if you’ve brought a cooler, or bring along some high-protein nutritional bars to keep satiated during the drive.

Bring a cooler to keep drinks and snacks cold

Even if it’s just a tiny cooler, having chilled drinks and a space to store snacks that aren’t shelf-stable can be invaluable on a road trip. Tuck it behind the front seat, or store it in the trunk to encourage the occasional pit stop.

Bring a refillable water bottle

Skip the plastic, single-use bottles of water and bring your own reusable aluminum or glass bottle. Rest areas, gas stations, and even some restaurants and coffee shops will offer to fill up your bottle for free, and you’ll stay hydrated.

Schedule rest stop breaks every few hours

As tempting as it is to try to make it to your destination in the shortest time possible, it’s important to take a break every few hours. Plan a few pit stops along your route, either at gas stations or rest stops, and spend a few minutes stretching and walking around to get the blood flowing and help energize you for the rest of the drive.

Plan your departure and arrival times around rush hour traffic

If you’re traveling to a city, it’s important to know when the traffic will be worst. Try to plan your departure and arrival times around rush hour, even if that means leaving a little earlier (or arriving a bit later) than you might have hoped.

Consider a scenic detour

The United States is absolutely replete with gorgeous scenic byways and hidden gem highways offering some truly stunning views. Search for scenic byways along your route, and consider taking a detour to take in some natural beauty before making it to your destination.

Switch out driving duties with your fellow travelers

If you’re driving with other adults who have driver’s licenses, make sure that you’re splitting up the time fairly. Driving while extremely tired can be dangerous, and it will just make the trip more enjoyable if everyone capable is sharing the load.

Save room to stretch by not overpacking

There’s only so much room in a car, and considering all the supplies you’ll need, overpacking is a definite no-no. If you do find that you’ve got too much stuff, consider lightening your pack or renting a larger vehicle to accommodate everything you’ll need.

Consider investing in a dash camera for a cool souvenir from your trip

Dash cameras are an inexpensive and fun way to bring home a totally unique souvenir from your road trip. Just mount the camera to your dash, and start driving. Once you get back from the trip, you can review the footage and see the sights in a whole new way.

Play classic road trip games to keep things interesting during long drives

Sometimes, long drives just get boring, and there’s nothing better than old-school car games to keep things interesting. Try “I Spy,” or the license plate game, and see how quickly everyone in the car gets excited to play.

Don’t overdo it or drive tired

As tempting as it is to drive 10+ hours a day, that’s also a really great way to burn yourself out in a hurry. Stick to a daily driving schedule, maybe 6-8 hours per day, and still make sure that you’re planning a few stops along the way.

The post 20 Essential Tips for a Successful Road Trip first appeared on Endeavor Insurance Group.

Use this checklist before embarking on your next road trip to make sure you have all of the essentials and avoid any mishaps or unexpected surprises on the way to your destination:

• Copy of your insurance card. This item should already be in your car, but it’s always good to double check and make sure it’s up-to-date.
• Spare tire. Make sure it’s in good condition before you leave!
• Roadside emergency kit. This includes items like jumper cables, a tire pressure gauge, a flashlight, a window breaker, gloves, etc.
• Cash. Sometimes you don’t know where you’re going to stop, and some stores may only take cash.
• Water bottles. Stay hydrated! Having extra water on hand is very important, especially if you get stranded somewhere.
• First aid kit. This should include supplies such as bandages, antiseptics and gauze pads.
• Snow shovel and ice scraper… if traveling during the winter months! When driving through a snowy area, there’s always the possibility of getting your car stuck, so these items are important to bring along.
• Cellphone charger and extra battery pack. Your cell phone needs to have power at all times in case of an emergency. So take advantage of charging it in your car, and always have a fully charged battery pack on hand.
• A blanket and travel pillow. If you are traveling with two or more people, it’s likely you will take turns driving while the other one sleeps. Why not be comfortable while you’re snoozing in the car?
• Antibacterial hand wipes/body wipes. A shower isn’t always possible on a road trip, so using body wipes may have to suffice!
• Toiletries, toothbrush and toothpaste. Keeping up with good hygiene is still possible on road trips. Bring these along so you can freshen up at rest stops.
• Car-friendly snacks. Everyone needs delicious snacks for long road trips! If you’re not bringing a cooler along, bring non-perishable food items like fruit cups, granola bars and beef jerky.
• Garbage bags. No need to trash your car during the ride. Fill them up and then dump the bags at a rest stop or gas station when needed.

I hope this list makes you feel more prepared for your road trip. And I hope you find rest, adventure or whatever else you’re looking for on the open road! Of course, don’t forget to take tons of pictures to capture memories of the fun along the way!

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Accidents are unforeseeable events that can have profound impacts on our lives. When it comes to auto insurance, many people are familiar with coverage for vehicle damage and medical expenses, but there’s an often-overlooked aspect that can provide additional financial protection – Accidental Death and Dismemberment (AD&D) coverage.

What is Accidental Death and Dismemberment (AD&D) on an Auto Policy?

Accidental Death and Dismemberment, commonly known as AD&D, is a supplementary coverage that can be added to your auto insurance policy. Unlike traditional coverage that focuses on vehicle damage and bodily injuries resulting from accidents, AD&D specifically addresses severe outcomes such as loss of life or limbs due to a covered accident.

Benefits of AD&D Coverage

1. Financial Security for Loved Ones: AD&D coverage provides a lump-sum payment to your beneficiaries in the event of your accidental death. This financial support can help cover immediate expenses, such as funeral costs, and provide ongoing support for your family during a challenging time.
2. Coverage for Dismemberment: In cases of severe injuries resulting in the loss of limbs or other vital body parts, AD&D coverage offers compensation. This can aid in adapting to the new circumstances by covering medical expenses, rehabilitation, and necessary lifestyle adjustments.
3. Supplementary to Health Insurance: While health insurance may cover medical expenses, AD&D goes beyond by providing additional financial support for life-altering situations. It complements your existing coverage, ensuring a more comprehensive safety net for you and your loved ones.
4. No Health Questions or Medical Exams: One of the advantages of AD&D coverage is that it typically doesn’t require health questions or medical exams. This means you can add this valuable layer of protection without the need for extensive paperwork, making it a convenient option for many.
5. Affordable Premiums: AD&D coverage is known for its affordability. Adding this coverage to your auto policy often comes with reasonable premiums, making it an accessible option for those looking to enhance their insurance protection without breaking the bank.

Is AD&D Right for You?

While AD&D coverage is a valuable addition to your auto policy, it’s essential to assess your individual needs and circumstances. If you’re seeking an extra layer of financial protection in the face of life-altering accidents, AD&D can provide peace of mind for you and your loved ones.

Final Thoughts

Accidents can have far-reaching consequences, and being prepared for the unexpected is a responsible approach to financial planning. Accidental Death and Dismemberment coverage on your auto policy offers a practical solution to address the severe outcomes of accidents, providing financial support when you need it most.

As you evaluate your insurance needs, consider reaching out to The Endeavor Agency for personalized advice and a quote tailored to your circumstances. We’re here to guide you through the intricacies of insurance, ensuring you have the coverage you need for life’s unexpected twists and turns. Call us at 801-876-1150 or visit endeavoragy.com to learn more about your options. Your peace of mind is our priority.

Stay safe on the roads, and be well-insured for whatever life may bring your way.

The post Beyond the Road: The Crucial Benefits of Accidental Death and Dismemberment on Your Auto Policy first appeared on Endeavor Insurance Group.