Free Guide to Paying Less for Meridian Car Insurance Online

Nobody likes having to buy car insurance, especially when the cost is way too high.

There is such a variety of to pick from, and even though it's nice to have a selection, so many choices can make it hard to compare rates.

compare Meridian car insurance rates

Car Insurance Comparison Rates in Meridian, ID

Shopping for lower car insurance rates can take time and effort if you aren't aware of the best way to get rate quotes. You can spend countless hours talking to local insurance agents in Meridian, or you could use online quoting to get prices fast.

The majority of car insurance companies participate in a marketplace that allows shoppers to submit their information once, and every company provides a quote based on the submitted data. This saves time by eliminating quote forms for each company you want a rate for.

To submit your quote information now, click to open in new window.

One minor caviat to using this type of form is that consumers can't choose the providers to get quotes from. So if you prefer to choose specific providers to request quotes from, we put together a list of companies who write car insurance in Idaho. View list of Idaho insurance companies.

It's up to you which method you use, but be sure to compare identical deductibles and coverage limits for every company. If you enter different values for each quote then you won't be able to decipher which rate is best in Meridian. Quoting even small variations in coverages could mean much higher rates. Keep in mind that having more price comparisons helps you find better pricing.

How much can you save with discounts?

Companies offering auto insurance don't always advertise every discount very clearly, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using.

  • Military Discounts - Being on active duty in the military can result in better rates.
  • Passive Restraints - Cars that have air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Multiple Policy Discount - When you combine your home and auto insurance with one company you may earn up to 20% off your total premium.
  • Seat Belts Save - Buckling up and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Federal Employees - Being employed by or retired from a federal job can save as much as 8% with a few car insurance companies.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only cut specific coverage prices like liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, you won't be that lucky.

To see a list of insurance companies with the best car insurance discounts in Idaho, click here to view.

How much car insurance do I need?

When choosing the right insurance coverage for your vehicles, there isn't really a best way to insure your cars. Every situation is different so your insurance should reflect that For example, these questions may help highlight if your insurance needs might need professional guidance.

  • Do I have coverage when using my vehicle for my home business?
  • Should I drop comprehensive coverage on older vehicles?
  • Are my tools covered if they get stolen from my vehicle?
  • What are the best liability limits?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I have coverage for damage caused while driving under the influence?

If you're not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Even more information can be found at the Idaho Department of Insurance website. Consumers can find disaster information, find out industry alerts, view a list of available companies, and view agent and company licensing information.

Additional helpful sites include this page for car insurance prices in Idaho and this page of Meridian insurance agents.