5 Tricks Guaranteed to Save Money on Car Insurance Costs in Dalton Gardens, ID

Are you overwhelmed by the wide range of car insurance choices in Dalton Gardens? Lot's of other consumers are too. You have so many options available that it can turn into a ton of work to find the best price.

It's important to check car insurance prices at least once a year since rates are constantly changing. If you had the best rates a couple years back the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding car insurance on the web, but we're going to give you some great ways to save money.

Buying car insurance in Dalton Gardens is quite easy. If you are insured now or need new coverage, you can follow these tips to get lower rates and still get good coverage. Idaho drivers only need an understanding of the tricks to get comparison quotes online.

Take advantage of discounts

Companies that sell car insurance don't always publicize every available discount very well, so the following is a list of some of the more common as well as the least known savings tricks you should be using. If you don't get every credit possible, you're paying more than you need to.

  • Passive Restraint Discount - Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Military Rewards - Being on active duty in the military can result in better rates.
  • Federal Government Employee - Being employed by or retired from a federal job can save as much as 8% with certain companies.
  • Anti-lock Brake System - Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • Sign Early and Save - Some insurance companies reward drivers for switching to them before your current expiration date. It can save you around 10%.

It's important to understand that most discount credits are not given the the whole policy. Most only cut individual premiums such as medical payments or collision. So when it seems like all the discounts add up to a free policy, it doesn't quite work that way.

To see a list of providers with the best car insurance discounts in Idaho, click here to view.

Idaho car insurance

How to Compare Dalton Gardens Car Insurance Costs

Finding cheaper car insurance prices is actually quite simple. Just take time comparing rate quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

  • The best way to get quotes is to use a rate comparison form click here to open form in new window. This easy form keeps you from doing a different quote for every car insurance company. Completing one form gets you coverage quotes . This is by far the quickest method.
  • A different way to compare rate quotes consists of going to each company website and complete a new quote form. For sake of this example, let's assume you want to compare rates from , and . To get rate quotes you would need to spend time on each company's site to enter your coverage information, which is why the first method is more popular.

    To view a list of companies in Dalton Gardens, click here.

It's up to you which method you use, but compare apples-to-apples coverages on every quote. If you enter different limits and deductibles on each one it's impossible to make a fair comparison in Dalton Gardens.

Are car insurance companies telling the truth?

Consumers can't get away from ads that promise big savings by companies like State Farm and Allstate. All the ads make an identical promise of big savings if you move to them.

But how can every company make the same claim?

All companies are able to cherry pick for the type of driver that is profitable for them. A good example of a preferred risk could be over the age of 50, has no tickets, and drives less than 10,000 miles a year. Any new insured who meets those qualifications will qualify for the lowest rates and most likely will save a lot of money.

Consumers who don't qualify for this ideal profile will be charged higher rates and ends up with business going elsewhere. The ad wording is "customers that switch" not "people who quote" save money. That's the way insurance companies can confidently advertise the way they do. That is why drivers must get quotes from several different companies. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Best coverage at the best price

You just learned some good ideas how you can compare car insurance prices online. The key concept to understand is the more you quote, the higher your chance of finding lower rates. You may be surprised to find that the biggest savings come from some of the lesser-known companies.

Low-cost car insurance is definitely available from both online companies and with local Dalton Gardens insurance agents, and you should be comparing both to get a complete price analysis. Some car insurance companies do not offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

People who switch companies do it for a number of reasons such as poor customer service, delays in responding to claim requests, extreme rates for teen drivers or policy cancellation. No matter why you want to switch, choosing a new insurance company is actually quite simple.

car insurance in Dalton Gardens

Find out more about car insurance

More tips and info about car insurance can be read at the Idaho Department of Insurance website. Consumers can file complaints about a company, find disaster information, and download brochures.

Additional helpful sites include NAIC.org's Understanding your Policy and this directory of Dalton Gardens insurance agents.