10 Discounts Shelley Consumers Forget when Comparing Car Insurance

Are you sick and tired of not being able to afford each month for car insurance? You are in the same boat as many other Idaho consumers. Online insurance companies like GEICO and Progressive continually hit you with ad campaigns and it is difficult to sift through the bull and do the work needed to find the best deal.

Comparison of Car Insurance in Shelley

All major car insurance companies provide coverage price quotes on their websites. Getting quotes is fairly simple as you simply type in as detailed in the form. After the form is submitted, the system will obtain credit information and your driving record and returns a price quote based on many factors. Online quotes streamlines rate comparisons, but the process of having to visit many different websites and enter the same data into a form is monotonous and tiresome. But it's very important to get many rate quotes if you want to find the best price on car insurance.

The preferred way to lower your car insurance bill is to use a quote form to obtain quotes from a lot of companies. The form is fast, eliminates form submissions, and makes rate comparisons much more enjoyable. After sending the form, it gets priced and you are able to buy your choice of the resulting price quotes. If the quotes result in lower rates, you can click and sign and purchase the new policy. The whole process can be completed in a matter of minutes and you'll know if lower rates are available.

To find out if lower rates are available, click here to open in new window and submit the form. If you have coverage now, it's recommended you type in the coverage information identical to your current policy. This makes sure you will have rate quotes for the exact same coverage.

Are you getting all your discounts?

Auto insurance companies do not list every discount in a way that's easy to find, so we researched both the well known and the more hidden ways to save on car insurance. If you aren't receiving every discount available, you are paying more than you should be.

Seat Belts Save more than Lives - Buckling up and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
Claim Free - Claim-free drivers pay much less when compared to accident-prone drivers.
Drivers Ed for Students - Cut your cost by having your teen driver successfully complete driver's ed class in high school.
Employee of Federal Government - Employees or retirees of the government could cut as much as 10% off with a few car insurance companies.
Auto/Life Discount - Companies who offer life insurance give better rates if you take out life insurance.
Defensive Driving Course - Successfully completing a defensive driving course could save 5% or more if your company offers it.
Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Organization Discounts - Being a member of a civic or occupational organization could trigger savings when shopping for car insurance.
Low Mileage Discounts - Keeping the miles down could be rewarded with better rates on cars that stay parked.
Lower Rates for Military - Having a family member in the military can result in better rates.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Most only apply to the cost of specific coverages such as comp or med pay. Just because you may think adding up those discounts means a free policy, car insurance companies aren't that generous.

To choose insurance companies with the best car insurance discounts in Shelley, click this link.

How can Progressive, Allstate and GEICO save drivers who switch?

Consumers in Idaho can't ignore all the ads for the lowest price auto insurance from the likes of Progressive, Allstate and GEICO. They all make the same claim about savings if you move your coverage to them.

How can each company claim to save you money?

Insurance companies can use profiling for the type of customer that makes them money. For instance, a driver they prefer might be over the age of 40, is a homeowner, and has a short commute. Any new insured who matches those parameters is entitled to the best price and as a result will probably save when they switch companies.

Drivers who are not a match for the requirements will be quoted a higher premium which leads to the customer not buying. The ads state "people who switch" not "everybody who quotes" save that much money. That's why companies can truthfully make the claims of big savings. This emphasizes why you need to quote coverage with many companies. It's just too difficult to predict the company that will fit your personal profile best.

Even more information is located at the Idaho Department of Insurance website. Visitors are able to find a variety of consumer forms, read industry bulletins, download brochures, and file complaints about an insurance agent or broker.

And the best car insurance company is...

As you shop your coverage around, it's a bad idea to reduce coverage to reduce premium. There are too many instances where an accident victim reduced collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

Cheap car insurance is possible both online as well as from independent agents in Shelley, and you need to comparison shop both to have the best selection. Some insurance providers don't offer online price quotes and these small, regional companies work with independent agents.