Car Insurance in Dubois - 7 Discounts You Might be Forgetting

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us, many Dubois consumers feel financially strained by their car insurance policy.

Having so many choices of insurance companies, it's difficult to pick the best provider.

It's important to price shop coverage every six months since rates are constantly changing. Even if you got the lowest rates six months ago the chances are good that you can find a lower rate today. Starting now, block out anything you 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.

These seven discounts can lower your rates

Car insurance can cost a lot, buy you may qualify for discounts that many people don't even know exist. Most are applied when you purchase, but lesser-known reductions have to be requested specifically before being credited.

  • Discount for Good Grades - A discount for being a good student can earn a discount of 20% or more. This discount can apply until age 25.
  • Multi-car Discount - Buying coverage for more than one vehicle on the same car insurance policy qualifies for this discount.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Early Signing - Select companies give a discount for switching to them before your current expiration date. This can save 10% or more.
  • Theft Prevention Discount - Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Payment Discounts - By paying your policy upfront instead of paying each month you could save 5% or more.
  • Memberships - Belonging to a professional or civic organization may earn a discount on your policy.

A little note about advertised discounts, some credits don't apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will help reduce the cost of coverage.

To see a list of providers offering car insurance discounts in Idaho, click here.

Idaho car insurance

Compare Quotes for Dubois Car Insurance

Most companies provide coverage price quotes on their websites. Getting quotes doesn't take a lot of time as you simply enter the coverages you want as detailed in the form. Once you submit the form, their rating system will obtain your credit score and driving record and provides a quote based on these and other factors. This makes it a lot easier to compare rates but the work required to visit several different sites and fill out multiple forms is monotonous and tiresome. But it's very important to have as many quotes as possible if you want to find better car insurance pricing.

The preferred way to lower your rates is to use a quote form that analyzes rates from more than one company. The form is fast, reduces the work, and makes rate comparisons much easier. Once the form is submitted, it gets priced and you can choose any or none of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The whole process takes less than 15 minutes and you will find out if you're overpaying now.

To find out what other companies charge, click here to open in new window and enter your information. To compare your current rates, we recommend you input the coverages as close as possible to your current policy. This makes sure you will have comparison quotes based on the exact same insurance coverage.

Are you falling for claims of savings?

Companies like State Farm and Allstate constantly bombard you with ads on television and other media. All the ads have a common claim about savings if you switch your policy. But how can every company make the same claim? This is how they do it.

Insurance companies are able to cherry pick for the right customer that is profitable for them. For example, a preferred risk could be over the age of 40, has no driving citations, and has a high credit rating. Any new insured that hits that "sweet spot" gets the lowest rates and as a result will probably save a lot of money.

Consumers who are not a match for this ideal profile will be charged higher prices and this can result in business going elsewhere. Company advertisements say "drivers who switch" not "everybody who quotes" save that kind of money. That's the way companies can truthfully state the savings.

That is why drivers must get a wide range of price quotes. It's just too difficult to predict which car insurance company will have the lowest rates.

The best insurance company isn't always the cheapest

You just learned a lot of ways to compare car insurance prices online. The key thing to remember is the more you quote, the higher the chance of saving money. Consumers may even find the lowest premiums are with a smaller regional carrier. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as .

Cheaper car insurance can be found from both online companies in addition to many Dubois insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

As you restructure your insurance plan, don't be tempted to reduce coverage to reduce premium. There have been many cases where someone sacrificed uninsured motorist or liability limits only to regret that they should have had better coverage. Your goal should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Learn more about Idaho car insurance

Additional information can be found on the website for the Idaho Department of Insurance. Click here for link. Consumers can file complaints about a company, report car insurance fraud, find out industry alerts, and read consumer alerts.

Additional helpful sites include NAIC.org's Understanding your Policy and this directory of insurance agents in Dubois Idaho.