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Quality protection for your everyday vehicles a price you can afford.
Auto Insurance
Protect your vehicle in case of damage, natural disaster-related, or collision accidents.
Your vehicle is more than just a mode of transportation; it’s an essential part of your everyday life and needs protection. Whether you’re commuting to work, running errands, or embarking on a road trip adventure, having comprehensive auto insurance coverage ensures peace of mind and financial security in the face of unexpected accidents or damages.
From cars and trucks to motorcycles, RVs, and more, we offer a range of insurance options tailored to fit your unique needs and lifestyle. Whether you have a college commuter or your dream car, let UCCU keep you covered. Trust us to safeguard your journey, so you can focus on the road ahead with confidence.
Do you have multiple vehicles that need insurance? Ask us for bundling options to save even more!
Protect Your Assets Today
Request your free, no-obligation quote or contact a local UCCU representative to learn more about our extensive insurance options.
(801) 223-8188 | Branch Locations
Available M–F 8am–6pm, and Sat. 9am–2pm.
Auto Insurance Options
- Auto (Vehicle): Quality protection for your everyday vehicles a price you can afford.
- Boat: Comprehensive coverage for your motor boats, ensuring smooth sailing on every voyage.
- Motorcycle: Safeguard your ride with tailored insurance coverage for your motorcycle adventures.
- ATV: Protection for your all-terrain vehicle, ensuring you can explore off-road with peace of mind.
- Utility Trailer: Coverage for your utility trailer, keeping it protected on the road and at home.
- Aircraft: Insurance solutions for your aircraft, providing coverage for both personal and commercial use.
- Recreational Vehicles (RV): Protection for your toys while your out having fun.
- Watercraft: Comprehensive coverage for your water crafts like jet skis ensuring smooth sailing on every voyage.
- Snowmobile: Protection for your snowmobile adventures, keeping you covered on snowy trails.
- Camper Trailer: Insurance coverage for your camper trailer, ensuring comfort and security on your travels.
- UTV: Protection for your utility terrain vehicle, keeping you covered on off-road adventures.
Frequently Asked Questions
Do I need to have Auto Insurance?
Yes. All vehicles are required to at least have liability. See the Vehicle Liability Insurance Requirements for more information.
What factors influence the cost of auto insurance premiums?
Factors influencing auto insurance premiums: Auto insurance premiums can be influenced by various factors, including the driver’s age, driving record, location, type of vehicle, coverage limits, deductible amount, and even credit score in some cases. Additionally, factors such as the frequency of accidents and thefts in the area where the vehicle is primarily driven, as well as the purpose for which the vehicle is used (e.g., commuting, business, pleasure), can also impact insurance rates.
What types of coverage are typically included in a standard auto insurance policy?
Types of coverage in a standard auto insurance policy: A standard auto insurance policy typically includes several types of coverage, such as liability coverage (which covers bodily injury and property damage liability), collision coverage (for damages to the insured vehicle in the event of a collision), comprehensive coverage (for damages to the insured vehicle caused by non-collision events such as theft, vandalism, or natural disasters), uninsured/underinsured motorist coverage (to protect against damages caused by drivers with insufficient insurance), and personal injury protection (which covers medical expenses for the insured driver and passengers regardless of fault).
How does one determine the appropriate level of coverage for their specific vehicle and driving habits?
Determining appropriate coverage levels: Determining the appropriate level of coverage depends on various factors, including the value of the vehicle, the driver’s assets and financial situation, state minimum requirements, and personal risk tolerance. It’s essential to strike a balance between adequate coverage to protect against potential financial losses and affordability. Consulting with an insurance agent or using online tools to assess coverage needs based on individual circumstances can help drivers make informed decisions.
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