6 Methods to Save on Car Insurance in New Plymouth

Purchasing the lowest cost New Plymouth car insurance over the internet can seem to be intimidating for consumers not familiar with shopping for insurance online. Since there are so many insurers to choose from, how can you possibly compare every company to locate the lowest price?

It's important to compare prices quite often since rates are constantly changing. Despite the fact that you may have had the best deal a year ago a different company probably has better rates today. Starting right now, ignore everything you know about car insurance because we're going to show you the only way to find lower rates on car insurance.

If you currently have car insurance, you will most likely be able to save some money using these methods. Buying the cheapest protection in New Plymouth is simple if you know the tricks. Nevertheless, Idaho consumers do need to know how big insurance companies compete online and take advantage of how the system works.

Take advantage of discounts

Auto insurance companies don't necessarily list every available discount in a way that's easy to find, so here is a list both the well known and also the lesser-known savings tricks you should be using.

Anti-lock Brake System - Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
Resident Student - Kids in college who live away from home and do not have access to a covered vehicle may qualify for this discount.
Senior Citizens - If you qualify as a senior citizen, you may be able to get better car insurance rates.
Government Employees - Active or retired federal employment can earn a discount up to 10% with certain companies.
Life Insurance - Larger companies have better rates if you take out life insurance from them.
E-sign - Some insurance companies may give you up to $50 simply for signing digitally online.

Consumers should know that most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, companies don't profit that way.

How to know if you need help

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

These are some specific questions may help you determine whether your personal situation might need professional guidance.

Do I need PIP (personal injury protection) coverage in Idaho?
Why does it cost so much to insure a teen driver in New Plymouth?
Should I put collision coverage on all my vehicles?
Do I have coverage for damage caused while driving under the influence?
What are the financial responsibility laws in Idaho?
Does my liability insurance cover pulling a trailer or camper?
Can I afford to buy a different vehicle if my vehicle is totaled?
Am I covered if I drive in a foreign country?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Are car insurance companies telling the truth?

Companies like Allstate and Progressive continually stream ads on TV and radio. All the ads make an identical promise of big savings after switching to their company. How can each company claim to save you money? It's all in the numbers.

Different companies have a preferred profile for the driver that earns them a profit. An example of a preferred risk might be between 30 and 50, insures multiple vehicles, and has excellent credit. Any new insured who meets those qualifications is entitled to the best price and most likely will save when they switch companies.

Potential customers who don't qualify for the requirements will be charged a more expensive rate and ends up with the customer not buying. The ads state "customers who switch" not "people who quote" save that much. This is how insurance companies can confidently make those claims. That is why drivers should quote coverage with many companies. It's just too difficult to predict which insurance companies will have the lowest rates.

More tips and info about car insurance is available at the Idaho Department of Insurance website. Visitors are able to read consumer alerts, read enforcement actions against agents and companies, and learn about insurance regulations.

The best insurance company isn't always the cheapest

While you're price shopping online, it's a bad idea to skimp on coverage in order to save money. Too many times, drivers have reduced comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. The aim is to buy a smart amount of coverage at the best price, not the least amount of coverage.

People change insurance companies for a variety of reasons including policy cancellation, not issuing a premium refund, denial of a claim and even high rates after DUI convictions. No matter why you want to switch, finding a new car insurance company is less work than it seems.

Cost effective car insurance can be bought both online and also from your neighborhood New Plymouth agents, so compare prices from both to have the best rate selection. Some companies may not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.