Montpelier Car Insurance For Less Than You're Paying Now

If you've never shopped for car insurance online, it's easy to get overwhelmed by the large number of car insurance companies all offering big savings in Montpelier.

It's important to price shop coverage periodically since rates are constantly changing. Just because you had the best deal a few years ago a different company probably has better rates today. So just forget anything you know (or think you know) about car insurance because we're going to show you the only way to lower your annual insurance bill.

More discounts equal less premium

Companies that sell car insurance don't always list every available discount in a way that's easy to find, so here is a list both the well known and the harder-to-find ways to save on car insurance.

Early Signing - Select companies give a discount for buying a policy prior to your current policy expiring. This can save 10% or more.
Passive Restraints and Air Bags - Vehicles with factory air bags or motorized seat belts can qualify for discounts up to 30%.
Save with a New Car - Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to take driver's ed class in school.
Defensive Driver - Successfully completing a defensive driving course can save you 5% or more if you qualify.

Keep in mind that most discount credits are not given to the entire policy premium. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like adding up those discounts means a free policy, it just doesn't work that way.

Learn How to Buy Car Insurance Cheaper

Smart consumers have a good feel for the rating factors that go into determining the rates you pay for car insurance. Having a good understanding of what influences your rates helps enable you to make changes that can help you get much lower annual insurance costs.

Listed below are some of the factors that factor into your rates.

Performance level impacts rates - The type of car you drive makes a huge difference in your rates. Low performance passenger cars generally have the cheapest insurance rates, but other factors influence the final cost greatly.
Better credit scores mean better rates - Your credit score is a huge factor in determining your rates. Therefore, if your credit score is lower than you'd like, you could potentially save money when insuring your by improving your credit score. Consumers who have high credit ratings tend to be less risk to insure than those with poor credit.
Drive less and save money - The more miles you rack up on your car each year the higher your rates will be. The majority of insurers charge to insure your cars based on their usage. Autos used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. Double check that your car insurance policy is rated on how each vehicle is driven, because it can save money.
Lower rates with optional equipment - Owning a car with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.

It's not one size fits all

When it comes to buying proper insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Every insured's situation is different.

Here are some questions about coverages that may help highlight if you could use an agent's help.

Does my car insurance cover rental cars?
Should I drop comprehensive coverage on older vehicles?
Who is covered when they drive my vehicle?
Is rental equipment covered for theft or damage?
Should I rate my vehicle as pleasure use or commute?
Can I still get insurance after a DUI?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form.

Switch companies and save? Really?

Companies like State Farm and Allstate constantly bombard you with ads in print and on television. All the ads make the same claim that you can save if you switch your policy. How can each company claim to save you money? This is how they do it.

Insurance companies have a certain "appetite" for the right customer that earns them a profit. An example of a preferred risk might be over the age of 40, a clean driving record, and has a short commute. Any new insured who matches those parameters will get the preferred rates and therefore will save when they switch companies.

Drivers who do not match the requirements will be charged a higher premium which leads to the customer not buying. The ads state "drivers who switch" not "everyone that quotes" save that kind of money. That is how insurance companies can make the claims of big savings. That is why drivers should get quotes from several different companies. It's just too difficult to predict which company will fit your personal profile best.

Additional Idaho consumer information

Additional detailed information is available at the Idaho Department of Insurance website. Visitors are able to learn about specific coverages, find out industry alerts, and file complaints about an insurance agent or broker.

Do the work, save more money

We just covered some good ideas how to reduce car insurance prices online. The key thing to remember is the more you quote, the better your chances of lowering your rates. You may be surprised to find that the lowest premiums are with a lesser-known regional company.

Insureds switch companies for any number of reasons including high prices, poor customer service, delays in paying claims and even extreme rates for teen drivers. It doesn't matter why you want to switch switching car insurance companies is less work than it seems.

Affordable car insurance is available both online in addition to many Montpelier insurance agents, and you need to comparison shop both to have the best selection. Some insurance providers do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.