10 Tips Guaranteed to Lower Car Insurance Costs in Rigby

Nobody looks forward to paying for car insurance, particularly when the cost is too high.

Companies like GEICO and Progressive continually hit you with ad campaigns and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

More discounts equal less premium

Companies offering auto insurance don't list all available discounts in a way that's easy to find, so the following is a list of both the well known and also the lesser-known car insurance savings.

Defensive Driving Course - Taking part in a defensive driving course can save you 5% or more if your company offers it.
Passive Restraints - Vehicles equipped with air bags or motorized seat belts can qualify for discounts up to 30%.
Use Seat Belts - Buckling up and requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
Federal Employees - Employees or retirees of the government may qualify you for a discount depending on your company.
Auto/Home Discount - If you insure your home and vehicles with the same insurance company you may earn approximately 10% to 15%.
Accident Free - Good drivers with no accidents pay less when compared with accident-prone drivers.
Sign Early and Save - Some companies give discounts for buying a policy prior to your current policy expiration. It can save you around 10%.
Good Student - This discount can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
Senior Citizens - If you're over the age of 55, you can possibly qualify for reduced rates.
Paperless Signup - A handful of insurance companies may give you up to $50 just for signing your application digitally online.

Keep in mind that most credits do not apply to the entire policy premium. Most only apply to specific coverage prices like liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, it just doesn't work that way.

To choose insurers with the best car insurance discounts in Rigby, follow this link.

Switch companies and save? Really?

21st Century, Allstate and State Farm regularly use ads in print and on television. All the companies say the same thing that you can save if you move to them. How can each company claim to save you money? It's all in the numbers.

All the different companies have a certain "appetite" for the type of driver that makes them money. A good example of a profitable customer might be over the age of 50, a clean driving record, and drives less than 7,500 miles a year. Any new insured who fits that profile is entitled to the best price and therefore will save when they switch companies.

Drivers who do not match the requirements must pay a higher premium which usually ends up with the customer not buying. Company advertisements say "customers who switch" not "everyone that quotes" save money. That is how insurance companies can advertise the way they do. This illustrates why you should get a wide range of price quotes. It's just too difficult to predict which company will provide you with the cheapest rates.

It's not one size fits all

When buying coverage for your vehicles, there really is not a "best" method to buy coverage. Every situation is different and a cookie cutter policy won't apply. Here are some questions about coverages that may help highlight if you may require specific advice.

Should I have combined single limit or split liability limits?
Should I drop comprehensive coverage on older vehicles?
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?
What are the best liability limits?
Are there companies who specialize in insuring high-risk drivers?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Additional Idaho consumer information

Additional detailed information can be read at the Idaho Department of Insurance website. Visitors are able to discover disciplinary actions, find out industry alerts, find a variety of consumer forms, and download brochures.

Shop smart and save

Affordable car insurance is definitely available both online and with local Rigby insurance agents, and you should be comparing both to have the best selection. Some car insurance companies do not offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

We just covered a lot of information how to save on car insurance. The key concept to understand is the more companies you get rates for, the better your comparison will be. You may even discover the biggest savings come from some of the smallest insurance companies. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as .