Car Insurance

At Bear River Mutual, all insurance policies are obtained through independent agents who represent our company. To receive a quote, you can reach out to any agency that represents Bear River Mutual. Finding an agent is a simple process. You can easily search for an agent near you by using our online search tool. We […]

To receive an insurance quote, we kindly ask that you provide the following information as a minimum requirement: In addition to the minimum requirements, your agent may ask for additional information to ensure an accurate quote. It’s important to note that this information will also be necessary if you decide to proceed with purchasing insurance

At Bear River Mutual, deductibles only apply to comprehensive and collision coverage in our automobile insurance policies. These coverages protect you financially in specific situations, and here’s a simple way to understand them: In both cases, the deductible is the amount that you, as the insured, would need to pay if you experience a covered

Selecting the right deductible amount is a personal decision that depends on your financial approach. Even if two individuals have similar circumstances, they may have different preferences when it comes to deductible options. Your agent is available to help you understand the advantages and disadvantages of various deductible amounts. In general, opting for a higher

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. However, the specific details outlined in your contract with us and the underlying policy conditions dictate the exact coverage and exclusions. If you have any uncertainties

If you have an older car that is fully paid for and you are not concerned about minor cosmetic damage, nearing the end of its lifespan, or has a low market value, you may consider not purchasing comprehensive coverage as a way to reduce your insurance premiums. However, it is important to keep in mind

When it comes to choosing the right insurance coverage for your car, there are several factors to consider. These factors include the type of vehicle you drive, the number of people you expect to have in your vehicle, and your financial situation. It is important to regularly review and adjust your coverage as your circumstances

Liability coverage is an essential part of your insurance policy that 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

In Utah, it is a legal requirement to maintain no-fault (or 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 responsible driver and vehicle owner

When we talk about lower cost or lower premium, we are referring to the amount we need to pay for coverage. If you want to reduce this amount without making changes to your coverage, such as limits, vehicles, or deductibles, the best way is to earn a larger claim-free discount. At Bear River Mutual, we