Car Insurance

Bear River Mutual uses independent agents to sell our policies. Independent agents are licensed professionals able to sell insurance policies for many different insurance carriers. This offers flexibility for you as a customer to find the best policy for you and your needs. Fill out our online form, and based on your zip code, the […]

To process a complete and accurate quote, an independent agent will need the following information:

A deductible is the amount that you need to pay when you experience a covered loss. Bear River Mutual then covers the remaining expenses up to the applicable limit(s) as stated in your policy. Example: You have covered expenses that are $2,500. You have a $1,000 deductible. You will be responsible for paying $1,000, and

This is a personal decision. It can depend on your preferences and financial approach, and every customer may view these differently.   A higher deductible results in lower premiums (your monthly cost). However, if you file a claim, you will pay more out-of-pocket. A lower deductible will lead to a higher premium, but you will pay less for filing a claim.   Contact

Your auto insurance policy typically extends coverage to you, your spouse/partner, relatives residing in your household, and other licensed drivers who have your permission to drive your insured vehicle. The specific details outlined in your policy dictate the exact coverage and exclusions. If you have any questions about your coverage, reach out to your agent.

You may consider opting out of comprehensive coverage if:  Coverage amounts are based on the current market value of your vehicle, and any claims are subject to your deductible.   Call your agent to discuss what would work best for you.  Your agent’s contact information can be found by logging in to your customer portal.

Ask these questions:  A Bear River Mutual independent agent can help you find the best coverage options that meet your specific needs!  If you already have an agent, you will see their contact information listed in your policy information on the customer portal. To find an agent, you can use our search page. Simply enter

Liability coverage protects you in case of injury or damage to others. Here is an overview of the different types of liability coverage: It is important to note that the coverage limit sets a maximum amount that can be paid, but it does not guarantee full payment in every situation. It is crucial to review

No! In the state Utah it is a legal requirement to maintain no-fault (aka liability) insurance on all passenger cars and trucks for the entire registration period. The Utah State Legislature has established minimum liability limits that insurance companies operating in the state must adhere to for motor vehicle insurance policies. As a vehicle owner in Utah, it is your responsibility to be

If you would like to reduce your premium (the amount you pay for insurance coverage), check with your agent to find out what discounts you may be eligible for.   Discounts may include:  Your agent can offer advice and assistance to find the best options for ou to lower costs, while still maintaining coverage.   Your agent’s information can be found in your customer portal.