10 Guaranteed Tricks to Lower Car Insurance Costs in Chubbuck, ID

Are you tired of being strong-armed each month for car insurance? You are in the same boat as many other drivers in Idaho.

Companies like State Farm, Allstate, GEICO and Progressive persitently shower you with advertising and consumers find it hard to sift through the bull and find the best price available.

It's important to compare rates once or twice a year since rates are constantly changing. Just because you found the lowest price two years ago there is a good chance you can find better rates now. There is a lot of bad advice regarding car insurance online, so I'm going to show you some great ways to reduce your car insurance bill.

Comprehensive Car Insurance Comparison in Chubbuck

Performing a rate comparison can take time and effort if you don't understand the easiest way. You can spend your afternoon discussing policy coverages with local insurance agents in Chubbuck, or you could use the web to get rates in a matter of minutes.

Most of the larger companies belong to an insurance system that allows shoppers to submit one quote, and every company then gives them pricing. This saves time by eliminating quotation requests for each company you want a rate for.

To submit your quote information now, click here to open in new window.

The single downside to using this type of form is that consumers can't choose which providers to receive prices from. So if you want to select individual companies to request quotes from, we have assembled a list of companies who write car insurance in Idaho. Click here to view list.

It's up to you which method you use, but double check that you are using exactly the same quote information with each company. If you are comparing mixed coverages then you won't be able to make an equal comparison in Chubbuck. Quoting even small variations in limits may result in a large different in cost. It's important to know that getting more free quotes will increase your chances of finding a better price.

How much can you save with these ten discounts?

Companies don't list all their discounts in a way that's easy to find, so we researched some of the more common and also the lesser-known savings tricks you should be using.

55 and Retired - If you're over the age of 55, you may receive better car insurance rates.
Pay Now and Pay Less - If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
Organization Discounts - Belonging to a civic or occupational organization is a good way to get lower rates on car insurance.
Service Members Pay Less - Being on active duty in the military could be rewarded with lower premiums.
Anti-lock Brake System - Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
Life Insurance - Some companies give better rates if you take out life insurance from them.
Homeowners Pay Less - Owning a house in Chubbuck can help you save on car insurance because maintaining a house shows financial diligence.
No Accidents - Claim-free drivers pay much less as compared to accident-prone drivers.
Discount for Swiching Early - Some companies give discounts for switching to them prior to your current policy expiration. The savings is around 10%.
Passive Restraints - Factory air bags can qualify for discounts up to 30%.

Keep in mind that most discount credits are not given to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you could get a free car insurance policy, it just doesn't work that way.

To choose companies with discount car insurance rates in Chubbuck, click here to view.

Save 15 percent in 15 minutes? Is it for real?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. They all seem to make an identical promise that you can save if you change to their company. How can each company make the same claim? It's all in the numbers.

Different companies can use profiling for the driver that makes them money. For instance, a desirable insured could be between 30 and 50, has no tickets, and chooses high deductibles. Any new insured who meets those qualifications gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don't meet the requirements will have to pay more money and ends up with business going elsewhere. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much. That's why insurance companies can state the savings. Because of the profiling, you need to get a wide range of price quotes. It's just too difficult to predict the company that will give you the biggest savings.

Additional detailed information is located at the Idaho Department of Insurance website. Consumers can learn about insurance regulations, view a list of available companies, find out which companies have the most complaints, and find out industry alerts.

Final considerations

When buying insurance coverage, it's not a good idea to reduce coverage to reduce premium. There are many occasions where an insured dropped collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at the best price.

Affordable car insurance can be sourced from both online companies and also from your neighborhood Chubbuck agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.