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Specializing in auto insurance quotes tailored for Layton city
We have some of the best car insurance rates from the best car insurance companies such as Progressive, Travelers, Nationwide and more. Click the button below to get a free car insurance quote from our Layton car insurance agency.
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Video introduction to our car insurance in Layton UT page.
Watch the video below as Adam, agent owner of Blue Bridge, explains his history with Layton and why we decided to be car insurance specialists in that particular area. We have the mission to save people money without the hassle. Click the video below to see if we are a good fit.
We have many different car insurance discounts available to Layton drivers
When it comes to getting car insurance you need to look for all the discounts possible. I always tell my clients that if your spending more money than you need to on car insurance you might as well just burn it. With that being said what kind of discounts are available to you when it comes to Blue Bridge Insurance Solutions.
Well, a lot actually. To just simply name a few we have good student, armed forces, smart driving, educator, no loss discount, violation free, multipolicy, low mileage, and much more. However, some of these discounts do need to reapplied every renewal so just keep that in mind.
Now a days insurance companies use an app or a plug in to monitor driving habits that could result in an additional reduction in your car insurance premium. So depending on how feel about an insurance company monitoring your driving and making sure the app is turned on when driving maybe this could be beneficial to you. Email us if interested by click right here.
A little about Layton
Layton is a city in Davis county in the northern part of the state along the Wasatch Range and was settled in approximately 1850. It was found by a soldier by the name of Christopher Layton who was a Mexican War veteran. The city started out as an agricultural hub producing crops such as sugar beets, vegetables and alfalfa.
Now it is largely a suburban area with a lot of the farm lands being sold to make way for massive neighborhood sub divisions. It is most known for the Hill Air Force base. Layton as of 2021 has a population of about 83,000 people and is constantly growing. There is a lot of places to eat there such as Pace's, Rambling Roads, Burger Stop and much more.
Every year Layton has a massive parade on the 4th of July with tons of food trucks, games, rides and face painting. In the evening on the 4th of July they have a big firework show which I believe is one of the best in the state but that could be just my own biased opinion.
Why we love Layton
Personally the reason I love Layton so much is because I am a local. I was born in Davis hospital and grew up on Fair Field road just down the street from 193. I attended Sarah Jane Adams Elementary in east Layton from K-12 and then attend North Layton Junior Highschool.
Then graduated from Northridge Highschool on Hill Field road. As a matter of fact my wife also grew up in Layton as well and my son was recently born at the new Intermountain hospital just off Layton Parkway. Me and my family still current reside in the east side of the city right next to neighborhood Walmart just of 193. So yes Layton has a very special place in my heart.
So many good and hard working people. Also the city has so many good places to eat as well. Me and my family especially love to go to Surf n Swim right next to the Layton city park. I am truly honored to call this awesome city my home. It doesn't hurt that the current mayor of Layton is also a family friend.
Insurance coverages offered through our Layton auto insurance agency
When it comes to car insurance coverages at Blue Bridge we want to make sure you are covered adequately without breaking the bank. Then how do we accomplish this? By having multiple carrier options at our disposal allows us to be extremely flexible when it comes to coverages and insurance premiums. Then what kind of coverages do we offer at the best price?
Here they are:
Comprehensive, Collision, Uninsured Motorist, Underinsured Motorist, Personal Injury Protection Insurance, Survivor Benefit Insurance, Road Side Assistance, Rental Reimbursement, Replacement Cost for newer vehicles, Bodily Injury Liability, Property Damage Liability, Work Loss Coverage and much more that we can add. I would say the coverages just described are more than adequate for almost all Layton drivers. For a quick phone call to discuss different coverage options click here.
What kind of things should I purchase auto insurance for in Layton?
I always tell my clients that you only need to insure what will ruin your life and not ruin your day. A lot of times you could insure things that are not necessary on your auto insurance and as result waste a great deal of money. In auto insurance you can literally insure just about everything with its own premium, limits and deductible. But should you? That is the million dollar question.
I would say look at what could ruin your life first. Then once you have that insurance in place and you don't mind spending additional money for extra security. Something that could ruin your life is if you get in a car accident and your limits are not sufficient enough to cover all the damages. That could potentially ruin your life if you get sued.
Or if you get injured in a car accident that wasn't your fault but the other driver doesn't have sufficient coverage or worst yet has no coverage at all then come to find out you don't carry very good underinsured and uninsured motorist liability coverage which helps pay for your lost wages, injuries, pain and suffering.
That is another potentially life ruining experience. That is where Blue Bridge Insurance Solutions in Layton specializes. We want to make sure all those life altering events are taken car of. Then later if necessary we can take care of the just bad day things. To talk to one of our agents click here.
If I have bad credit does that effect my car insurance in Layton
There is something in the car insurance world called an insurance score or consumer report. This insurance score or consumer report is looked at by an insurance company to assess risk. In short it is kind of like a credit score but for insurance. The insurance score is one of the most decisive factor of how much premium you will pay.
The better the score the better the premium and vice versa. Of course there are other factors involved such as age, accident history and ticket history that definitely effects premium but overall the insurance score affects your premium the most. Then how can you get the best insurance score? The factors that effect it negatively is debt, especially debt default. Then the way to fix is it to naturally get rid of your debt, resolve your defaults and fix your credit.
Then is your insurance score set in stone? No, it is not set in stone. Insurance score can change at any time. However, it is at the insurance company's discretion when and if they decide to use your insurance score. Some car insurance companies allow you to update your insurance score every renewal so you will need to check with your current provider on how and when they conduct that.
Typically car insurance companies only use the new score if it is better than the one they are currently using. I have seen some of my clients save hundreds of dollars in premium based off getting a better insurance alone. Reach out to our agent for more details.
What kind of deductibles should I get for auto insurance in Layton?
When it comes to choosing deductibles a lot of my clients place emphasis on comprehensive deductibles. The reason for that being is because people want a lower deductible to pay for windshields and windows in the event of getting them cracked due to rock chips.
Naturally, lowering your deductible means more premium your are going to have to pay to the car insurance company. Typically on a older vehicle the average windshield costs anywhere from $100-$500. In the past if you were replacing your windshield 2-3 times a year then maybe it actually would be in your best interest to have a low deductible but I rarely find that situation with my clients.
Another reason you might want to have a lower comprehensive deductible is if you have a ridiculously expensive windshield with sensors that need to be calibrated. The calibration alone for some of those sensors is hundreds of dollars. However, if your have never replaced your windshield or rarely replace your windshield then odds are you would be wasting your money with lower deductibles.
Also if you have a relatively cheap windshield with no calibration I would not recommend to have lower comprehensive deductibles on your windshield. I would much rather see my clients save 10-30 dollars per month per car than see them give that to the car insurance company in hopes of getting a windshield cover.
Now imagine saving that money for years and years and if you need to replace a windshield down the road then oh well. However if never have to replace a windshield then that is money in your pocket. But again this only our advice and we advise you to do what you feel comfortable with. For more information regarding deductibles and prices click here.
Can I get a competitive insurance quote in Layton if I have an SR22?
At our agency we get that sometimes things happen. Thankfully we thought of these types of questions before launching our agency. We understand that is very difficult to get a reasonable insurance rate while being required to carry an SR22. But don't worry, this is where we come in.
We have access to carriers that specialize in your type of situation. Our agency can provide competitive insurance quotes when it comes to Layton residents you have to carry SR22. If you think you could benefit from our services and would like to see what we have to offer please reach out to us today and we can get you taken care of or click here for a quote
Can I get cheap auto insurance in Layton if I have a DUI?
Well if you mean cheaper than anywhere else, then yes. At Blue Bridge we understand that unfortunate situations occur and mistakes are made, no one is perfect. But never the reality is if you have a DUI it is very difficult to get cheap auto insurance because car insurance companies deem you as an extreme risk that could potentially cost them a lot of money. But that's where we come in to help.
We have carriers who understand our clients in the Layton area and want to help especially in these types of situations. Our car insurance agency can get you reasonable rates even if you have a DUI. Now it is definitely not going to be as cheap as someone who does not have a DUI but we will take any wins we can. If you are struggling to find reasonable car insurance rates reach out to us today so we can shop your needs through our carriers and get you reasonable rates and better coverage. Or just click here.
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