6 Tricks Shown to Slash the Cost of Car Insurance Costs in Donnelly

Consumers who are new to the process of buying insurance online will discover finding the cheapest Donnelly car insurance quite difficult.

It's important to price shop coverage periodically since rates are constantly changing. If you had the lowest rates a couple years back you will most likely find a better rate today. So just forget anything you know (or think you know) about car insurance because we're going to show you the tricks you need to know to lower your annual insurance bill.

More discounts equal less premium

Car insurance companies don't list all their discounts very clearly, so we break down some of the more common as well as the least known car insurance savings.

  • Bundle and Save - If you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
  • Passive Restraint Discount - Factory air bags or motorized seat belts may earn rate discounts up to 30%.
  • Federal Employees - Active or retired federal employment may qualify you for a discount with select insurance companies.
  • College Student - Children who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.

It's important to note that most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, you're out of luck.

Idaho car insurance quotes

It's not one size fits all

When it comes to buying adequate coverage for your vehicles, there isn't really a "perfect" insurance plan. Everyone's needs are different.

Here are some questions about coverages that may help highlight if you could use an agent's help.

  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I required to get a high-risk car insurance policy?
  • What are Idaho no-fault laws?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form.

Switch companies and save? Really?

Car insurance companies such as GEICO, State Farm and Progressive regularly use ads in print and on television. They all seem to say the same thing that you can save if you move your policy. How does each company make the same claim?

All the different companies have a certain "appetite" for the right customer that earns them a profit. For example, a desirable insured could be over the age of 40, a clean driving record, and drives less than 10,000 miles a year. Any new insured who fits that profile will qualify for the lowest rates and therefore will save when switching.

Potential customers who do not match these standards will have to pay higher prices which usually ends up with business going elsewhere. The ad wording is "customers that switch" not "everyone that quotes" save that kind of money. That is how insurance companies can advertise the way they do. Because of the profiling, you should compare as many rates as you can. It's just too difficult to predict which company will provide you with the cheapest rates.

Additional Idaho consumer information

Additional detailed information can be found at the Idaho Department of Insurance website. Consumers can view agent and company licensing information, find out industry alerts, and read industry bulletins.

Idaho car insurance

Shop smart and save

As you go through the steps to switch your coverage, it's very important that you do not buy lower coverage limits just to save a few bucks. In many instances, someone dropped uninsured motorist or liability limits only to regret that the savings was not a smart move. The ultimate goal is to purchase a proper amount of coverage at a price you can afford.

You just learned many ways to reduce car insurance prices online. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with a small local company.

Consumers who switch companies do it for a number of reasons such as policy non-renewal, poor customer service, high rates after DUI convictions and even not issuing a premium refund. It doesn't matter why you want to switch choosing a new insurance company is less work than it seems.