Top 6 Ways to Save on Car Insurance in Idaho Falls, ID

Comparison shopping for Idaho Falls car insurance is a challenge for beginners to shopping for insurance online. There are so many choices that it can turn into a real hassle to find lower rates in Idaho Falls.

It's important to check car insurance prices once or twice a year since rates are constantly changing. Even if you think you had the lowest rates a few years ago you can probably find a lower rate today. So forget all the misinformation about car insurance because we're going to show you the tricks you need to know to save money, get proper coverage and the best rates.

Finding the cheapest car insurance in Idaho Falls is not that difficult. In a nutshell, every vehicle owner who has to buy car insurance stands a good chance to be able to save money. Nevertheless, Idaho car owners do need to know how big insurance companies market insurance on the web and use this information to your advantage.

Idaho Falls car insurance comparison

How to Compare Car Insurance Costs in Idaho Falls

The are a couple different ways to compare rate quotes and find the best price. The best method to find competitive insurance rates is to use the internet to compare rates. This can be done in several different ways.

  • The recommended way to get quotes is a comparison rater form click to view form in new window. This type of form eliminates the need for repetitive form entry for each company. Taking the time to complete one form will get you price quotes direct from many companies. Recommended for those who want to invest the least amount of time.
  • A different way to shop for car insurance online requires a visit to each company's website and fill out their own quote form. For examples sake, let's say you want rates from , and . You would have to take the time to go to each site to input your insurance information, which is why most consumers use the first method. For a list of links to companies insuring cars in Idaho Falls, click here.
  • The most time-consuming way of getting rate comparisons is to spend time driving to different Idaho Falls agent offices. The internet has reduced the need for local agents unless you prefer the professional guidance of a licensed agent. It is possible to get the lowest quotes online but buy from a local insurance agent and we'll cover that in a bit.

Whichever method you choose, double check that you are using identical coverage limits for every quote you compare. If you use differing limits it will be next to impossible to determine the best price in Idaho Falls. Slightly different coverage limits can make a big difference in price. It's important to know that quoting more helps locate better pricing.

Policy discounts you shouldn't miss

The cost of insuring your cars can be expensive, but there are discounts available to help bring down the price. A few discounts will automatically apply at the time of purchase, but lesser-known reductions have to be manually applied prior to receiving the credit.

  • 55 and Retired - Mature drivers may receive reduced rates.
  • Drivers Education - Have your child complete a driver education course if offered at their school.
  • Drive Less and Save - Low mileage vehicles can earn a substantially lower rate.
  • One Accident Forgiven - Certain companies permit an accident before raising your premiums as long as you don't have any claims for a certain period of time.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Good Students Pay Less - A discount for being a good student can save 20 to 25%. This discount can apply up until you turn 25.

Consumers should know that some credits don't apply to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, companies don't profit that way. Any qualifying discounts will bring down the amount you have to pay.

To see a list of companies with discount car insurance rates in Idaho, click here.

Additional car insurance information can be found on the Idaho Department of Insurance website through this link. Consumers can learn about insurance regulations, view a list of available companies, and discover disciplinary actions.