Easy Ways to Pay Less on Wendell Auto Insurance

Comparison shopping for Wendell auto insurance is hard for consumers new to shopping for insurance online. Consumers have so many companies to choose from that it can quickly become more work than you anticipated to locate the lowest price in Wendell.

It's important to price shop coverage once or twice a year because prices are constantly changing. Just because you found the lowest rates two years ago you will most likely find a better rate today. So forget all the misinformation about auto insurance because you're going to get a crash course in the tricks you need to know to lower your annual insurance bill.

Finding affordable coverage in Wendell is easy if you know what you're doing. If you have car insurance now, you should be able to lower your premiums substantially using this information. Idaho vehicle owners just need to know the most effective way to compare rates over the internet.

Policy discounts you shouldn't miss

Companies do not list every available discount very well, so we break down both the well known and also the lesser-known ways to save on auto insurance. If you don't get every credit available, you are throwing money away.

  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • One Accident Forgiven - Some insurance companies allow you one accident before your rates go up if you are claim-free prior to the accident.
  • Good Students Pay Less - Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Homeowners Pay Less - Being a homeowner may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Save with a New Car - Adding a new car to your policy is cheaper since new cars are generally safer.
  • Military Discounts - Having a family member in the military may qualify for rate reductions.
  • Passive Restraints - Vehicles with factory air bags can receive discounts of more than 20%.
  • Driver's Ed - Make teen driver coverage more affordable by requiring them to take driver's ed class if it's offered in school.

Consumers should know that most discount credits are not given to the entire cost. Some only apply to specific coverage prices like comprehensive or collision. So even though it sounds like it's possible to get free car insurance, companies don't profit that way.

Wendell auto insurance quote

Save $429 a year? Really?

Consumers in Idaho get pounded daily by advertisements for the lowest price auto insurance from companies such as Allstate and Progressive. All the ads make the same claim that you'll save big after switching your policy.

But how can every company claim to save you money? It's all in the numbers.

All companies can use profiling for the right customer that earns them a profit. For example, a preferred risk might be a mature driver, has no tickets, and chooses high deductibles. A customer getting a price quote who matches those parameters will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Drivers who don't qualify for this ideal profile will be charged higher premiums which leads to the customer not buying. The ad wording is "customers who switch" but not "drivers who get quotes" save that kind of money. That's why companies can state the savings. That is why you should get a wide range of price quotes. It's impossible to know the company that will give you the biggest savings.

More detailed Idaho auto insurance information can be found at the Idaho Department of Insurance website. Visitors are able to read consumer alerts, view a list of available companies, and learn about insurance regulations.

Also read more on BankRate.com's Car Insurance: When not to Skimp and this Wendell agent directory.

compare Wendell auto insurance rates

A tidy conclusion

When buying insurance coverage, don't be tempted to buy lower coverage limits just to save a few bucks. Too many times, an insured dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at the best price, not the least amount of coverage.

Insureds change insurance companies for a variety of reasons including policy non-renewal, unfair underwriting practices, denial of a claim and even poor customer service. No matter why you want to switch, finding a new auto insurance company is less work than it seems.

Discount auto insurance can be sourced both online in addition to many Wendell insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.