Buy Low-Cost Eagle Auto Insurance

Scraping up a payment for overpriced auto insurance can dwindle your checking account and put a big crunch on your finances. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill.

With so many choices, it can be diffult for consumers to locate the cheapest company.

It's important to get comparison quotes yearly since insurance rates are constantly changing. Just because you found the best price a couple years back a different company probably has better rates today. Ignore everything you know about auto insurance because you're about to learn how to use online quotes to properly buy coverages while reducing your premium.

This information will teach you how to effectively get price quotes. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these methods. But Idaho vehicle owners do need to know the methods companies use to sell online and apply this information to your search.

Save big with these discounts

Insuring your vehicles can cost a lot, but companies offer discounts that you may not know about. Most are applied at quote time, but less common discounts must be asked about in order for you to get them.

Accident Waiver - Some insurance companies allow you one accident before your rates go up as long as you don't have any claims for a set time period.
Life Insurance - Select insurance companies reward you with a break if you buy life insurance.
Theft Prevention Discount - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
No Claims - Drivers who don't have accidents can save substantially as compared to drivers who are more careless.
Clubs and Organizations - Affiliation with a professional or civic organization is a good way to get lower rates on auto insurance.
Government Employees - Active or retired federal employment could cut as much as 10% off with select insurance companies.
Driver's Ed - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.
Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
Multiple Vehicles - Insuring multiple vehicles on one policy can get a discount on all vehicles.

Consumers should know that most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way. But all discounts will help reduce your overall premium however.

Understand what determines the rate you pay

Smart consumers have a good feel for the different types of things that help determine auto insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that may reward you with much lower annual insurance costs.

The following are a few of the "ingredients" that factor into rates.

Pay less if you're married - Having a spouse can get you a discount on your policy. It usually means you are more mature than a single person and statistics show married drivers get in fewer accidents.
Please use or commuting - Driving more miles in a year's time the more you will pay for auto insurance. The majority of insurers price each vehicle's coverage based on how the vehicle is used. Cars and trucks used primarily for pleasure use qualify for better rates than those used for commuting. Double check that your auto insurance coverage properly reflects the proper vehicle usage.
Women pay lower rates - Statistics have proven women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Both sexes tend to get into accidents in similar percentages, but the males have costlier accidents. They also receive more costly citations like reckless driving and DUI. Teenage male drivers are the most expensive to insure and therefore are the most expensive to insure.
One company can mean more discounts - Many insurers will give a discount to people who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it's still a good idea to compare other company rates to confirm you are receiving the best rates possible.
Keep rates low by being claim-free - Car insurance companies in Idaho award discounts to people who do not rely on their insurance for small claims. If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.

But I don't know anything about car insurance

When it comes to buying the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else's so your insurance should reflect that These are some specific questions can help discover if your situation could use an agent's help.

I have good health insurance, so how much medical payments coverage do I need?
What are the financial responsibility laws in Idaho?
Does my policy cover me when driving someone else's vehicle?
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?
Will I be non-renewed for getting a DUI or other conviction?
Are rental cars covered under my policy?

If you're not sure about those questions then you might want to talk to a licensed agent. If you don't have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance ads bend the truth

Auto insurance companies such as State Farm, GEICO and Progressive continually stream ads on TV and radio. They all seem to make an identical promise that you'll save big after switching your policy. But how can every company say the same thing? It's all in the numbers.

Insurance companies have a preferred profile for the right customer that earns them a profit. For example, a desirable insured might be profiled as over the age of 40, has no prior claims, and drives less than 10,000 miles a year. A propective insured who meets those qualifications will get very good rates and most likely will save a lot of money.

Potential insureds who fall outside this ideal profile will have to pay more money and ends up with business not being written. The ads say "customers who switch" not "people who quote" save that kind of money. This is how companies can advertise the way they do.

Because of the profiling, drivers should get as many quotes as possible. It's not possible to predict which insurance companies will provide you with the cheapest rates.

Learn more about auto insurance in Idaho

Much more information about auto insurance in Idaho can be found on the website for the Idaho Department of Insurance found here. Idaho drivers can get help finding coverage, file complaints about an insurance agent or broker, learn about insurance regulations, and read consumer alerts.

Also read more on this site for Idaho auto insurance information and see this list of insurance agents in Eagle.

The best insurance company isn't always the cheapest

Discount auto insurance can be sourced on the web in addition to many Eagle insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some auto insurance companies do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. In many cases, consumers will sacrifice physical damage coverage only to discover later that the savings was not a smart move. Your aim should be to find the BEST coverage at the best price.