Preferred Insurance Services
Auto Insurance
We shop multiple carriers so you get the right coverage at a competitive price — not just the first quote we pull.
Your car is one of your most-used assets, and the right auto policy protects you on the road, in parking lots, and beyond. As an independent agency, we compare rates from Travelers, Progressive, Safeco, GEICO, National General, and others to find the best fit for your situation — whether you're insuring one car or an entire household.
What's covered
Liability Coverage
Pays for damage and injuries you cause to others. Utah requires minimum limits, but we'll help you choose limits that actually protect your assets.
Collision Coverage
Covers repairs to your vehicle after an accident, regardless of fault. Essential if you're financing or leasing.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, weather, fire, animal strikes, and more.
Uninsured/Underinsured Motorist
Protects you if you're hit by a driver with no insurance or not enough coverage. More common than you'd think.
Medical Payments (MedPay) / PIP
Covers medical expenses for you and your passengers after an accident, regardless of fault.
Rental Reimbursement
Covers a rental car while your vehicle is being repaired after a covered claim.
Roadside Assistance
Towing, lockout service, flat tire help, and fuel delivery — often available for just a few dollars per month.
Gap Coverage
If your car is totaled, gap pays the difference between the insurance payout and what you still owe on your loan.
Things to keep in mind
- 1
Utah's minimum liability limits are 30/65/25 — that's low. A single serious accident can easily exceed those numbers. We recommend higher limits for most drivers.
- 2
Bundling your auto and home with the same carrier typically saves 10–20% on both policies.
- 3
Your driving record, credit score, vehicle type, and annual mileage all affect your rate. We factor all of this in when comparing carriers.
- 4
If your car is older and paid off, dropping collision/comprehensive might make sense — we can run the numbers with you.
Why work with an independent agent?
Captive agents and online-only insurers can each quote you one company. We compare the market and stay in your corner after you buy.
| Independent Agent (Us) | Captive Agent | Online-Only | |
|---|---|---|---|
| Carriers compared for you | 15+ carriers | 1 carrier | 1 carrier |
| Who the agent works for | You | The insurance company | The insurance company |
| Local Utah advice | Yes | Sometimes | No |
| Help with claims | Yes — we advocate for you | Limited | Call center only |
| Re-shops your rate at renewal | Yes | No | No |
| Cost to you | Free | Free | Free |
Carriers we quote for this line
Common questions
How do I know what coverage limits I need?
It depends on your assets and risk tolerance. At minimum, your liability limits should be high enough to protect what you own. We'll walk through your situation and make a recommendation.
Can I insure multiple vehicles on one policy?
Yes. Multi-car policies are common and usually come with a discount. We can also add drivers and vehicles as your household changes.
What happens if I get in an accident?
Call us first if you're not sure what to do. We'll help you navigate the claims process and make sure the claim is handled correctly.
Ready to get a quote?
We'll shop our carriers and bring you the best options for your situation.