Easy Tips to Pay Less on Cascade Auto Insurance

Are you intimidated by the crazy number of auto insurance options in Cascade? You're not the only one! There are so many choices that it can turn into a ton of work to find lower rates.

It's important to get comparison quotes every six months since insurance rates are constantly changing. If you had the best price last year you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the fastest and easiest way to find great coverage at a great price.

Finding affordable coverage in Cascade is quite easy. In a nutshell, every driver who has to buy auto insurance will be able to save money. Nevertheless, Idaho vehicle owners do need to know how insurance companies market on the web and apply this information to your search.

Policy discounts you shouldn't miss

Auto insurance companies don't always advertise every available discount very clearly, so we took the time to find some of the best known and the more hidden ways to save on auto insurance.

  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Clubs and Organizations - Affiliation with a qualifying organization could trigger savings on your policy.
  • Federal Government Employee - Active or retired federal employment can save as much as 8% with certain companies.
  • New Vehicle Savings - Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to take driver's ed class in high school.
  • No Claims - Drivers with accident-free driving histories can save substantially compared to drivers who are more careless.
  • Homeowners Discount - Being a homeowner may earn you a small savings because of the fact that having a home is proof that your finances are in order.

It's important to understand that many deductions do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, it doesn't quite work that way.

Cascade auto insurance quote

Save $429 a year? Really?

Companies like Allstate and Progressive regularly use television and radio advertisements. All the ads make the same claim of big savings if you move your policy. How does each company say the same thing?

All companies are able to cherry pick for the right customer that earns them a profit. For example, a preferred risk might be profiled as over the age of 50, has no driving citations, and has great credit. A propective insured who matches those parameters will get the preferred rates and is almost guaranteed to save when switching.

Consumers who don't qualify for these standards will be charged higher rates which leads to business not being written. The ads state "people who switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can confidently advertise the savings. That is why you should quote coverage with many companies. It's not possible to predict which auto insurance company will give you the biggest savings.

Learn more about Idaho auto insurance

More tips and info about auto insurance can be found at the Idaho Department of Insurance website. Idaho drivers can read consumer alerts, find out which companies have the most complaints, and download brochures.

Also read more on BankRate.com's Car Insurance: When not to Skimp and this Cascade agent directory.

The best insurance company isn't always the cheapest

As you prepare to switch companies, make sure you don't buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed physical damage coverage only to regret at claim time that the small savings ended up costing them much more. The aim is to get the best coverage possible at an affordable rate, not the least amount of coverage.

Low-cost auto insurance is definitely available on the web in addition to many Cascade insurance agents, and you should be comparing both to get a complete price analysis. There are still a few companies who do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

Insureds who switch companies do it for many reasons like policy cancellation, questionable increases in premium, high rates after DUI convictions and even delays in paying claims. No matter why you want to switch, finding the right auto insurance provider is less work than it seems.