Top Ways to Save on Weiser Auto Insurance

Having to pay for overpriced auto insurance can empty your personal savings and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to make sure you're not throwing money away.

You have so many to buy insurance from, and although it's nice to have multiple companies, lots of choices makes it harder to compare rates.

It's important to price shop coverage quite often because insurance rates are constantly changing. Despite the fact that you may have had the lowest price on your last policy a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate one of the best ways to find better coverage at a better price.

Shopping for affordable protection in Weiser is easy if you know what you're doing. Just about anyone who has to buy auto insurance stands a good chance to be able to save money. Nevertheless, Idaho drivers do need to know how insurance companies compete online because it can help you find the best coverage.

Are you getting all your discounts?

The cost of insuring your cars can be expensive, buy you may qualify for discounts to cut the cost considerably. Some discounts apply automatically when you quote, but less common discounts must be inquired about prior to getting the savings.

  • College Student - Any of your kids who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Sign Online - Some insurance companies will discount your bill up to fifty bucks simply for signing over the internet.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.
  • No Claims - Drivers who don't have accidents pay much less as compared to drivers who are more careless.
  • Own a Home - Owning a house in Weiser may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Clubs and Organizations - Participating in a qualifying organization could trigger savings on auto insurance.
  • Multiple Vehicles - Buying coverage for multiple vehicles on one policy could earn a price break for each car.
  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.

Consumers should know that many deductions do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, companies don't profit that way. Any qualifying discounts will bring down the cost of coverage.

Weiser auto insurance comparison

Learn How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for the rating factors that help determine the price you pay for auto insurance. Knowing what determines base rates helps enable you to make changes that may reward you with better auto insurance rates.

  • Older drivers pay less - Teen drivers in Idaho are known to be more careless when driving so they pay higher auto insurance rates. Parents adding a teen driver onto your auto insurance can really hurt. More mature drivers are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets.
  • Being married can save on auto insurance - Having a wife or husband can get you a discount on your auto insurance policy. It usually means you are more mature and responsible and it's statistically proven that married drivers get in fewer accidents.
  • You might want pay the small claims yourself - Car insurance companies in Idaho give lower rates to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance is designed for the bigger claims that can't be paid out-of-pocket.
  • Your auto insurance rates can be influenced by your job - Did you know that where you work can have an impact on rates? Jobs such as judges, executives and financial analysts are shown to have higher average rates attributed to job stress and long work hours. Conversely, occupations such as pilots, engineers and performers pay the least.
  • Increase deductibles and save - Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered could be colliding with a building, collision with an animal, and rolling your vehicle. Physical damage deductibles are how much you are required to spend if you file a covered claim. The more the insured has to pay upfront, the bigger discount you will receive.

Tailor your coverage to you

When it comes to buying the best auto insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Everyone's needs are different so this has to be addressed. For instance, these questions may help you determine whether you may require specific advice.

  • Why does it cost so much to insure a teen driver in Weiser?
  • Does my personal policy cover me when driving my company car?
  • Is my cargo covered for damage or theft?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover my teen driver if they drive my company car?
  • Are rental cars covered under my policy?
  • Am I covered when driving on a suspended license?
  • Do I need special endorsements for business use of my vehicle?

If it's difficult to answer those questions, you may need to chat with a licensed agent. If you don't have a local agent, simply complete this short form or you can go here for a list of companies in your area.

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

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on television and other media. They all seem to make the same claim of big savings after switching your policy. How does each company make almost identical claims?

Different companies have a preferred profile for the right customer that earns them a profit. For instance, a desirable insured could possibly be over the age of 50, insures multiple vehicles, and has great credit. A driver who matches those parameters gets the lowest rates and as a result will probably save when switching.

Potential customers who are not a match for these standards will have to pay a higher premium which leads to the driver buying from a lower-cost company. The ads say "people who switch" not "everybody who quotes" save that kind of money. This is how insurance companies can confidently advertise the savings.

Because of the profiling, drivers should compare many company's rates. It is impossible to predict which insurance companies will fit your personal profile best.

Additional auto insurance information is located on the website for the Idaho Department of Insurance through this link. Idaho consumers can read enforcement actions against agents and companies, get help finding coverage, download brochures, and read industry bulletins.

Weiser auto insurance comparison

Shop smart and save

When you buy insurance online, never skimp on coverage in order to save money. There are many occasions where drivers have reduced liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage at an affordable rate.

Cost effective auto insurance can be bought online in addition to many Weiser insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.