Bear River Insurance UTAH: Home and Auto Insurance Review

Bear River Mutual is known as one of the best auto insurance companies in Utah and the United States. Ranked among the top 50 property and casualty insurance companies in the Ward for the past five years. Bear River Mutual is best known for its auto insurance, but they also offer premium homes, personal awning, renters and residential fire plans to our clients. We have developed this article to help you with everything you need to know about Bear River Insurance Utah.

Bear River Insurance

Bear River Insurance Company is the oldest property and mutual liability insurance company in the state of Utah. The About Company Founded in 1909 and named after Bear River, it first provided affordable insurance to the rural town of Garland. Through a network of independent brokers, the organization now offers a variety of insurance products in the state of Utah.

Bear River independent agents wrote nearly $179 million in insurance premiums in 2018. Bear River Insurance is a joint venture, which means its policyholders own it entirely, and good company performance translates to cheaper rates. Bear River Mutual is also dedicated to providing exceptional customer service in addition to low premiums.

Bear River car insurance 

Bear River Mutual auto insurance is fairly standard. Minimum and full coverage insurance, as well as a few assurances for added protection, are available from the company. If your vehicle is damaged as a result of a covered claim, you can use the Bear Care Direct Repair Program (DRP) to choose a reputable body shop and get guaranteed service.

Bear River Types of car insurance coverage 

The following are the policies available through Bear Mutual auto insurance:

Full coverage

Collision, comprehensive, liability, medical costs, and uninsured/uninsured drivers coverage are all included in full coverage insurance. 

Personal injury protection 

According to the Utah Malpractice Insurance Act, Personal Injury Protection (PIP) is necessary. PIP pays a driver's medical bills and wages lost after an accident, no matter who was at fault. 

Securing the Gap 

Gap insurance is on cars that have been financed or leased. Likewise, gap insurance makes up the difference between the reduced value of the car and the outstanding loan balance if he were to take it. 

Roadside assistance

owing, drop-offs, battery repairs, petrol deliveries, and other services are covered by Roadside Assistance. 

Reimbursement of car rental costs 

Rental Car Reimbursement will pay for the rental car if your car needs repairs after a covered claim.

Bear River Car Insurance Discounts 

Bear River Mutual offers the following discounts on auto insurance:

Claims-free discount 

Drivers who have no previous insurance claims on their record can save money on their insurance policy. 

Multi-policy discount 

Customers who collect a home and auto insurance policy can qualify for a multi-policy discount.

How does fault insurance work after a car accident in Utah?

Utah is a no-fault state. This means that, up to a certain maximum, the Personal Injury Protection (PIP) on your policy can help pay for certain medical-related expenses after a car accident. Bodily injury liability coverage is necessary because the driver at fault can also be liable for medical bills. 

When you purchase a Bear River auto insurance policy, you can customize your PIP coverage (for example, to include lost wages protection). 

Malfunction insurance does not cover property damage. In fact, liability coverage for property damage by the driver at fault may be to cover the costs of repairs or replacements to other people's cars.

Bear River Home Insurance

Bear River homeowners insurance covers both primary and secondary residences. Additionally, Bear River home insurance, on the other hand, is relatively basic in terms of coverage, with limited customization capabilities. One of the most unique components of Bear River home insurance is Bear Care Home Repair, an in-house repair network that enables policyholders to obtain guaranteed access and therefore service from recommended contractors.

 Bear River Home Insurance Coverage Types

Bear River Mutual sells the following home insurance coverage:

Standard Coverage 

Dwelling, personal property, liability, medical expenses, and loss of use coverage are, therefore, included in standard home insurance policies. 

Earthquake insurance 

As an endorsement, earthquake insurance can be for your home insurance policy. So the deductible is 10% of the homeowner's home or personal property coverage, whichever is greater.

Bear River Home Insurance Discounts 

Bear River Insurance does not advertise any discounts for home insurance policies online. However, there may be undisclosed discounts available, such as: 

Multi-policy discount 

Homeowners who combine two or more policies with Bear River Mutual can qualify for a discount. 

Claims-free discount 

Homeowners who have not had insurance claims on their record for the past several years often get a cheaper rate.

Discount home safety equipment 

Homes that have security systems, fire alarms, and fire extinguishers usually have lower premiums. #4 Gated community discounts Those located in gated communities have a lower risk of theft, and often qualify for a cheaper rate.

Reasons why Bear River is a good choice

For Utah residents, Bear River Mutual Insurance is a good alternative. Policyholders may be able to get lower rates from a business mutual than they would from a national provider due to the corporate structure involved. Smaller insurance companies, such as Bear River Mutual, also offer superior customer service compared to larger insurance companies.

On the other hand, Bear River home and auto insurance coverage is very limited. Because there are only a few endorsements and discounts available, this company is not suitable for clients who want to tailor their policy to their own needs. Customers should contact an agent to obtain a quote and make changes to their policy because Bear River insurance plans are operated through independent agencies.

Bear River Insurance, Utah

In 1981, Ron Thurman founded Key City Insurance, a small neighborhood insurance agency in the desert town of Victorville, California. In addition, over time, the business grew, and in 2003 he and his son, Brent Thurman, opened a modest satellite office in Provo, Utah, which became known as Keystone Insurance Services.

Brent and his staff continue to serve the insurance needs of clients throughout Utah, Idaho, and Arizona while representing some of the most significant and sought-after insurance companies, such as Bear River Mutual Insurance, thanks to his father's example and teachings. We have intentionally partnered with the largest insurance providers in a variety of industries so that we can provide you with the best odds.

Because Keystone Insurance Services has such a wide range of insurance companies, finding the perfect one to meet each client's specific needs is simple and that's exactly the way it should be. The employees at Keystone Insurance are delighted to be in the distinct community and culture that can only be found in the state of Utah.

View bear river insurance quotes

Looking for a quote to get a better idea of ​​how much car insurance will cost? Thus, we are confident in our ability to work with Bear River Mutual to provide the best auto insurance quotes for our customers at Keystone Insurance Services. They've been in Utah for over a century and know exactly what our state's drivers need.

However, many vehicle insurance agents work for a single insurance company and can only operate with limited documentation. While Bear River Mutual is usually our top pick for vehicle insurance in Utah, we'll evaluate rates and plans from over a dozen insurance companies to ensure you're getting the best deal possible. When you're ready to buy, you can use our service to compare policies from some of the best insurance companies in the country and make decisions. You have come to the right site if you are searching for “Best Car Insurance Provider Near Me".

Bear River Insurance Agents 

John Henry Smith Insurance is an authorized agent for Bear River Mutual Insurance. John Henry Smith Insurance offers the following Bear River mutual policies:

• Car insurance 
• home insurance 
• Apartment insurance 
• Renters insurance 
• Housing insurance 
• full insurance

With locations throughout Utah, John Henry Smith Insurance is one of the premier local insurance brokers in Salt Lake City and in the state of Utah. Since 1954, John Henry Smith Insurance has provided customers with premium insurance at prices better than the competition. You might be looking for auto insurance, homeowner's insurance, condominium insurance, renter's insurance, homeowner's insurance, and comprehensive insurance from Bear River Mutual; You will not find a better insurance broker than John Henry Smith.

Is Bear River Mutual only in Utah? 

Bear River Mutual stands out from other insurance companies in this particular aspect of the business. Because Bear River Mutual only sells insurance in Utah, our policyholders interact with local residents on a one-on-one basis, ensuring the best possible level of individual and personalized service. 

Is Bear River Mutual Cover Towing? 

Towing, opening doors, and even delivering gasoline are all things Bear River Mutual roadside assistance can do. This is supplemental insurance that can be obtained by speaking with your Bear River Mutual representative. 

What is the famous Bear River? 

The Bear River is the longest river in North America that does not empty into the ocean. Its headwaters are in the Uinta Mountains, Utah, and its mouth is in the Great Salt Lake. The meandering course of the Bear River covers nearly 500 miles. On the other hand, the Bear River is the main freshwater resource for the Great Salt Lake.