Tightwads Tips for Saving on Garden Valley Auto Insurance
Are you tired of being strong-armed each month for car insurance? Your situation is no different than many other Idaho consumers. You have so many to pick from, and although it's nice to have a selection, lots of choices makes it harder to compare rates.
It's important to shop coverage around once or twice a year because prices are constantly changing. Even if you got the best price a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the only way to get good coverage at a lower rate.
How to Compare Auto Insurance Costs in Garden Valley
There are multiple methods you can shop for auto insurance but one way is less time-consuming than others. You can spend countless hours talking to insurance companies in Garden Valley, or you could save time and use online quoting to get prices fast.
The majority of car insurance companies are enrolled in a marketplace that enables customers to submit one quote, and every company then gives them pricing based on the submitted data. This eliminates the need for quote forms to each individual auto insurance company. To submit your quote information now, click to open in new window.
One minor caviat to using this type of form is you can't choose the providers to receive prices from. So if you want to select specific insurance companies to compare prices, we put together a list of auto insurance companies in Idaho. Click here for list of insurance companies in Idaho.
Whichever way you use, double check that you are using identical coverage limits and deductibles with each company. If each company quotes different liability limits it will be impossible to make an equal comparison in Garden Valley.
Don't pay full price with these discounts
Companies offering auto insurance don't always publicize all their discounts very clearly, so we took the time to find both the well known as well as the least known auto insurance savings. If you're not getting every credit available, you're paying more than you need to.
- Senior Citizens - Mature drivers may qualify for a small decrease in premiums.
- Lower Rates for Military - Having a deployed family member could mean lower rates.
- Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
- Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
- Sign Online - A handful of insurance companies may give you up to $50 for buying your policy over the internet.
- Defensive Driver - Taking part in a defensive driving course could save 5% or more and easily recoup the cost of the course.
A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Some only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you won't be that lucky.
To see a list of companies offering auto insurance discounts in Idaho, follow this link.
More Idaho auto insurance information
Even more information can be found at the Idaho Department of Insurance website. Visitors are able to learn about insurance regulations, view a list of available companies, find out industry alerts, and file complaints about an insurance agent or broker.
Additional helpful sites include this Car Insurance FAQ and this page of insurance agents in Garden Valley.
