How to Get the Cheapest Oldtown Auto Insurance

If price shopping auto insurance online is new to you, you may be overwhelmed by the sheer number of auto insurance companies competing for business in Oldtown.

Save big with these discounts

Companies don't list every discount in a way that's easy to find, so we researched both the well known and also the lesser-known discounts you could be receiving. If you aren't receiving every discount you qualify for, you're paying more than you need to.

Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with a few auto insurance companies.
Good Student - A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
Homeowners Savings - Simply owning a home can save you money due to the fact that maintaining a home shows financial diligence.
No Accidents - Good drivers with no accidents pay much less when compared to bad drivers.
Paperwork-free - A few companies may give you up to $50 just for signing your application digitally online.

Keep in mind that some credits don't apply to the entire policy premium. Most only reduce specific coverage prices like comp or med pay. Just because it seems like adding up those discounts means a free policy, it just doesn't work that way.

To see a list of insurance companies who offer auto insurance discounts in Oldtown, click here.

Auto Insurance Comparison Rates in Oldtown, ID

Finding cheaper auto insurance prices can be quick and easy. You just have to take a few minutes getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished in a couple of different ways.

The best way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do a different quote for each company you want a rate for. Just one form gets you price quotes .It's the quickest way to get rates.
A slightly less efficient method to get quotes online requires visiting the website of each company to request a price quote. For examples sake, we'll assume you want to compare , and . To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is quicker.

To view a list of companies in Oldtown, click here.

Whichever method you choose, be sure to compare exactly the same quote information for each price quote. If the quotes have mixed coverages then you won't be able to truly determine the lowest rate in Oldtown.

Oldtown Rates are Influenced by These Factors

An important part of buying insurance is that you know the factors that help determine the rates you pay for auto insurance. Having a good understanding of what influences your rates enables informed choices that will entitle you to much lower annual insurance costs.

The following are a partial list of the pieces auto insurance companies consider when setting prices.

Claim-free discounts can add up - If you file claims often, you can look forward to either policy cancellation or increased premiums. Companies in Idaho generally give cheaper rates to drivers who are claim-free. Your insurance policy is intended for larger claims.
Cautious drivers pay less - Careful drivers get better rates compared to drivers with tickets. Even a single speeding ticket can boost insurance rates twenty percent or more. If you have flagrant violations like reckless driving, hit and run or driving under the influence may find they need to file a SR-22 to the state department of motor vehicles in order to keep their license.
What are your deductibles? - The deductibles define the amount you are required to spend before your auto insurance pays a claim. Physical damage insurance, also known as collision and other-than-collision, protects your car from damage. Some instances where coverage would apply would be running into the backend of another car, damage caused by hail, or theft. The more you are required to pay out-of-pocket, the lower your rates will be.
Occupation reflects on rates - Did you know your occupation can influence how much you pay for auto insurance? Careers like judges, social workers and dentists tend to have the highest average rates due to high stress and long work days. Other professions such as scientists, historians and performers receive lower rates.

But I don't know anything about car insurance

When choosing the best auto insurance coverage for your vehicles, there really is not a perfect coverage plan. Every situation is different.

These are some specific questions may help highlight if your situation would benefit from an agent's advice.

Am I covered if I drive in a foreign country?
Do I need to file an SR-22 for a DUI in Idaho?
Does my policy cover my teen driver if they drive my company car?
Will I be non-renewed for getting a DUI or other conviction?
Does medical payments coverage apply to all occupants?
Do I pay less if my vehicle is kept in my garage?

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Auto insurance ads bend the truth

Consumers in Idaho can't get away from ads for cheaper car insurance by Progressive, Allstate and GEICO. They all have a common claim that you can save after switching to their company.

How can each company claim to save you money? It's all in the numbers.

Insurance companies have a certain "appetite" for the driver that is profitable for them. For instance, a driver they prefer might be between 25 and 40, a clean driving record, and drives less than 10,000 miles a year. A customer getting a price quote that hits that "sweet spot" will get the preferred rates and most likely will save when they switch companies.

Drivers who fall outside the requirements will be quoted higher premiums and this can result in the customer not buying. The ads state "customers who switch" not "people who quote" save that much. That is how insurance companies can advertise the way they do. This emphasizes why drivers must compare many company's rates. It's impossible to know which company will provide you with the cheapest rates.

And the best car insurance company is...

Drivers change insurance companies for a variety of reasons including extreme rates for teen drivers, poor customer service, an unsatisfactory settlement offer or high rates after DUI convictions. Whatever your reason, finding a new auto insurance company is actually quite simple.

We covered a lot of ways to compare auto insurance prices online. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the most savings is with some of the smallest insurance companies.

Affordable auto insurance can be sourced both online and also from your neighborhood Oldtown agents, so you should compare both to have the best chance of lowering rates. Some auto insurance companies may not provide the ability to get a quote online and these small, regional companies work with independent agents.

Additional Idaho consumer information

Additional detailed information is located at the Idaho Department of Insurance website. Visitors are able to download brochures, file complaints about a company, and report car insurance fraud.