Bear River Mutual Agent: Keystone Insurance Services is a second generation independent insurance agency focused on strategic carrier partnerships that provide unparalleled cost-saving benefits to families and businesses throughout the state of Utah. We provide Bear River Insurance coverage as well as many other providers for auto insurance, homeowners insurance, motorcycle and recreational vehicles, renters and landlord, life insurance, commercial auto and business insurance. Our cost-effective solutions for car insurance have helped families across Utah, especially those with teenagers.