7 Methods to Save on Car Insurance in Glenns Ferry Idaho

Scraping up a payment for overpriced car insurance can empty your savings account and put a big crunch on your finances. Doing a price comparison is free and is an excellent way to lower your monthly bill.

Because you have many different company options, it can be challenging to find the cheapest provider.

Finding affordable coverage in Glenns Ferry is easy if you know what you're doing. In a nutshell, anyone who is required by state law to have car insurance stands a good chance to be able to lower their premiums. But Idaho car owners do need to know the way insurance companies compete online because it can help you find the best coverage.

Policy discounts you shouldn't miss

Companies that sell car insurance don't always list every discount very well, so we researched some of the more common and also the lesser-known ways to save on car insurance.

  • No Claims - Drivers who don't have accidents pay much less when compared to accident-prone drivers.
  • Paperwork-free - Certain companies will give a small break for buying a policy and signing up online.
  • Distant Student - Any of your kids who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Braking Control Discount - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Multiple Policy Discount - If you insure your home and vehicles with one company you could get a discount of up to 20% off your total premium.
  • Driver Safety - Completing a driver safety course could cut 5% off your bill if your company offers it.
  • Driver's Ed - Cut your cost by having your teen driver successfully complete driver's ed class if it's offered in school.

Consumers should know that most discount credits are not given to all coverage premiums. The majority will only reduce specific coverage prices like comp or med pay. So even though they make it sound like you can get free auto insurance, companies don't profit that way.

To choose insurance companies who offer car insurance discounts in Idaho, click this link.

Save $429 a year? Really?

Car insurance providers like Progressive, Allstate and GEICO continually stream television and radio advertisements. They all make the same claim that you'll save big after switching your policy. But how can every company make the same claim? It's all in the numbers.

All companies have a preferred profile for the right customer that makes them money. For instance, a driver they prefer could be a mature driver, insures multiple vehicles, and has excellent credit. Any new insured who matches those parameters gets the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don't qualify for this ideal profile will be quoted a more expensive rate which leads to business going elsewhere. Company advertisements say "customers who switch" but not "drivers who get quotes" save that kind of money. This is how companies can make those claims. This emphasizes why you should get quotes from several different companies. It's just too difficult to predict which insurance companies will have the lowest rates.

More detailed Idaho car insurance information is located at the Idaho Department of Insurance website. Consumers can read industry bulletins, get help finding coverage, read enforcement actions against agents and companies, and find out industry alerts.

Other informative sites include this online resource for car insurance quotes in Idaho and this list of insurance agents in Glenns Ferry.

Final considerations

Discount car insurance can be bought from both online companies in addition to many Glenns Ferry insurance agents, and you need to price shop both to have the best rate selection. Some companies do not provide online price quotes and these small, regional companies work with independent agents.

While you're price shopping online, do not buy poor coverage just to save money. There are too many instances where drivers have reduced liability coverage limits only to discover later they didn't purchase enough coverage. Your strategy should be to buy the best coverage you can find at the best price while still protecting your assets.