Shopping for Insurance

Misc.

• Get Smart About Your Insurance Coverage! 
  How can you determine if you have enough insurance coverage? Brochure and quiz attached.
   
• INFORMATION FOR SENIORS
   
• Tips to keep in mind when buying any type of insurance
   
• Agents:  Check to See if Your Agent is Licensed
  Utah Insurance Law requires that a person be licensed as an agent before they sell insurance.  Here is what you can do to determine if they have a valid license.
   
• Need Help Finding an Agent?
  Here are a few tips to help you locate an agent in your area.
   
• Buyer Beware - Unauthorized Insurance Entities
  If you have purchased insurance that seems too good to be true, and if the company, agent or trade group claims that it is not required to be licensed under Utah insurance law, then call us.
   
• Fight Fake Insurance
   
• ID Theft
  How to prevent it, insure against it and where to find more information about it.
   
• Buying Insurance on the Internet
  Things to look for and do before purchasing insurance over the internet.
   

Property & Liability

• Auto and Homeowner Comparison Guide
  The Department annually publishes an Auto and Homeowner Comparison Guide.  The guide is composed of companies with the greatest volume of homeowner's and private passenger insurance business in Utah.  It provides examples of premiums for price comparisons from each listed company.
   

• Understanding Your Policy
  An insurance policy is a legal contract between you and the insurance company. Reading your policy helps you verify that the policy meets your needs and that you understand the responsibilities if the parties involved in case of a loss.
   

• Winter Weather and Insurance
  General guidelines to follow when dealing with property damage claims or automobile accidents.
   

• Saving Money on Auto Insurance
  The average annual auto insurance premium nationwide in 2000 was $687 per vehicle.  Here are some tips to help you get the best value for your auto insurance dollar.  

 
• 10 Things You Should Know About Buying Auto Insurance
   
• Insuring Your Teen Driver
  Facts, rules, shopping around, deductibles, filling out the application, decision to purchase a vehicle or add a driver.
   
• Tips for Saving on Your Homeowners Insurance 
  The premiums charged for homeowners insurance vary widely from company to company, as a result, it pays to shop around.  Here are some tips that will save you money.
   
• 10 Things You Should Know About Purchasing Home Insurance
   
• Flood Insurance
  Homeowner policies do not provide coverage for damage caused by flooding.  Here is information about flood policies and what they will cover.  It also provides information to help you find an agent or company to purchase flood coverage from.
   
• Earthquake Insurance
  If you are thinking about purchasing earthquake coverage, here is information that will help you make an informed decision.    
   
• Trip Insurance
  Make sure the policy your travel agent is selling actually covers the specifics of your trip and situation.
   

Health

• Companies & Agents Authorized to Sell Insurance in Utah
  Is the insurance agent and company selling you insurance authorized to do business in Utah?
   
• Companies by lines of insurance
  Insurance companies are listed by line of insurance, showing the top 20 insurers in sales for 2004.
   
• Health Insurance: What to do if a health insurance company denies your claim
   

• Fraudulent Health Plans - How to Protect Small Businesses

• How to protect yourself against health-insurance scams
   
• Health Discount Plans
  Buyers' beware.  These are not an insurance product and don't always provide the savings advertised.
   
• Discount Health Cards - Alert
   
• Double-check your insurance coverage!
  Are you properly covered?
   
• Comprehensive Health Insurance Pool (HIPUtah)
  Utah's Health Insurance Pool provides coverage for individuals unable to obtain coverage in the
  marketplace due to an uninsurable condition.
  To see if you may qualify, call (801) 442-6660 or toll free in state (800)705-9173. Business hours are weekday from 8 a.m. to 5 p.m. Click HERE for information regarding HIPUtah.
   

• 10 Things You Should Know Before Buying
       Cancer Insurance
   

• 10 Things You Should Know About Buying
       Long-Term Care Insurance
   

• 10 Things You Should Know About Buying A
       Medigap Policy
   

• Utah's Children's Health Insurance Program (CHIP)
  Children who are currently uninsured may find coverage in Utah's health insurance pool for children.
   
• Extension and Conversion Rights
  If you have lost health insurance coverage through your employer check here to see what state and federal plans are available to you until you obtain permanent coverage.
   
• Long-Term Care (LTC) Insurance - Things You Should Know.
      What is it?
      Does Medicare cover LTC? 
      What are the important elements of a LTC policy? 
   
• Long-Term Care Consumer Alert
   
• Companies Selling LTC Coverage
  Includes phone numbers and addresses of companies selling LTC coverage in Utah.  Also, to know what to look for in a LTC policy use our comparison form when comparing companies.
   
• Medicare Supplement (Medigap) Insurance Comparison Table
  This table provides information about rates, preexisting waiting periods and contact information from 31 companies selling Medicare Supplement coverage in Utah.  If you are still confused and you want to compare different types of plans, here is a form to help with the comparison.  
       Click Form    (Acrobat Reader required)
   
• Medigap Insurance - Companies Selling in Utah
  These companies sell insurance to people under age 65.
   
• Small Group or Individual Coverage - Companies Selling it
  Lists includes name address and phone numbers of companies.
   
• Office of Consumer Health Assistance (OCHA)
  Whether you are insured or uninsured, OCHA will help you: provide a list of small employer and individual insurance carriers; explain policy benefits; provide information about other options than insurance; explain COBRA rights, CHIP & HIP qualification requirements, and company grievance and appeal processes.  The toll free in-state number is 866-350-6242, Salt Lake valley number is 538-3077 or e-mail OCHA.uid@utah.gov. 

Life

• ALERT:  Annuities and Senior Citizens
   
• Facts of Life:  Tips for Consumers
   
• Purchasing Life Insurance or an Annuity
  Suggestions and links to help you make a more
  informed purchase.
   
• 10 Things You Should Know Before Purchasing Life Insurance