Tightwads Tips for Saving on Osburn Auto Insurance
Have you had enough of scraping the payment together each month for car insurance? Your situation is no different than the majority of other car owners in Idaho. You have so many to buy insurance from, and although it's a good thing to have multiple companies, lots of choices makes it harder to compare rates.
How much can you save with discounts?
Companies that sell car insurance don't list all available discounts very clearly, so the following is a list of both well-publicized as well as the least known ways to save on auto insurance. If you're not getting every credit available, you are throwing money away.
- Clubs and Organizations - Participating in a qualifying organization could trigger savings when buying auto insurance.
- Drivers Education - Make teen driver coverage more affordable by requiring them to enroll in driver's education if offered at their school.
- Safety Course Discount - Successfully completing a course in driver safety could save 5% or more if you qualify.
- Save over 55 - If you qualify as a senior citizen, you may receive a discount up to 10%.
- Pay Now and Pay Less - If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
- Fewer Miles Equal More Savings - Low mileage vehicles could qualify for better rates on cars that stay parked.
A little note about advertised discounts, most discount credits are not given to the entire cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, you won't be that lucky.
Save 15 percent in 15 minutes? Is it for real?
Idaho consumers get pounded daily by advertisements for the lowest price auto insurance from companies such as Allstate, GEICO and Progressive. All the companies make the same claim about savings if you change your policy.
How does each company make almost identical claims?
Insurance companies can use profiling for the right customer that earns them a profit. A good example of a profitable customer could possibly be between the ages of 30 and 50, has no tickets, and drives newer vehicles. A customer getting a price quote who matches those parameters will get very good rates and is almost guaranteed to save when switching.
Consumers who don't meet these standards must pay higher rates which leads to the driver buying from a lower-cost company. The ads say "customers that switch" but not "drivers who get quotes" save that kind of money. That's why companies can truthfully claim big savings. This illustrates why you should get quotes from several different companies. It's impossible to know the company that will give you the biggest savings.
More Idaho auto insurance information
Even more information can be read at the Idaho Department of Insurance website. Idaho consumers can find out which companies have the most complaints, view a list of available companies, discover disciplinary actions, and read enforcement actions against agents and companies.
A tidy conclusion
Cheaper auto insurance is attainable online in addition to many Osburn insurance agents, and you should compare price quotes from both to get a complete price analysis. A few companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.
When trying to cut insurance costs, it's very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped full coverage and found out when filing a claim that it was a big mistake. Your focus should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.
