Getting Cheap Marsing Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say there are a lot of people in Marsing just like you who feel imprisoned by their auto insurance policy.

There are many to buy insurance from, and although it's nice to have multiple companies, it makes it harder to compare rates.

Take advantage of discounts

Companies that sell car insurance don't list every discount very clearly, so here is a list both the well known and the harder-to-find savings tricks you should be using.

  • Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Multiple Vehicles - Insuring multiple vehicles on one policy qualifies for this discount.
  • Distant Student - Kids in college who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • No Charge for an Accident - Certain companies will allow you to have one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Clubs and Organizations - Being a member of a qualifying organization is a good way to get lower rates when shopping for auto insurance.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, you won't be that lucky.

compare Marsing auto insurance rates

Are auto insurance companies telling the truth?

Auto insurance providers like State Farm, Allstate and GEICO continually stream ads on TV and radio. They all make an identical promise about savings after switching to them. How does each company claim to save you money? This is how they do it.

All the different companies are able to cherry pick for the type of driver that earns them a profit. An example of a driver they prefer might be between the ages of 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications is entitled to the best price and most likely will save when switching.

Drivers who don't qualify for these standards will be quoted a higher premium and ends up with the customer not buying. The ads state "drivers who switch" not "people who quote" save money. That's the way companies can truthfully advertise the way they do. This emphasizes why you should get quotes from several different companies. It's impossible to know which auto insurance company will provide you with the cheapest rates.

Learn more about Idaho auto insurance

Even more information is available at the Idaho Department of Insurance website. Visitors are able to view a list of available companies, report car insurance fraud, read enforcement actions against agents and companies, and learn about insurance regulations.

The best insurance company isn't always the cheapest

Cheaper auto insurance can be bought both online and with local Marsing insurance agents, and you should compare price quotes from both to have the best selection. Some auto insurance companies do not offer you the ability to get quotes online and these smaller companies work with independent agents.

As you go through the steps to switch your coverage, it's very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage for the lowest price while still protecting your assets.