Best Cheap Auto Insurance for Low Mileage Drivers in Idaho

Buying affordable car insurance is confusing at best, and figuring out which company quotes the most affordable car insurance rates for low mileage drivers involves a little more work. Every auto insurer uses a little different formula for determining rates, so first we will examine the most budget-friendly car insurance companies in Idaho.

Keep in mind that Idaho car insurance rates are impacted by many things that may substantially change the price you have to pay for coverage. Turning one year older, moving across town, or getting a ticket for careless driving can cause premium changes that can cause some rates to be much higher than others.

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American National may offer some of the cheapest car insurance rates in Idaho at around $247 per year. Farm Bureau of ID Group, USAA, Oregon Mutual, and Travelers also are some of the cheapest Idaho car insurance companies.

As shown above, if you currently have a policy with Oregon Mutual and switched to American National, you may see savings of approxmiately $431. Idaho drivers with Travelers may save as much as $453 a year, and American Family customers might realize rate reductions of up to $473 a year.

If you would like to find the best cheap auto insurance for low mileage drivers in Idaho, click here to get quotes or visit any of the companies below.

Bear in mind that those policy rates are averages for all types of insureds and vehicles and and are not figured with a rate decrease for low mileage drivers. So the auto insurance company that fits you best may not even be included in the above list. That points out the importance of why you need to compare prices as often as possible using your own specific driver information and vehicle.

Cost and performance of the vehicle driven is one of the primary factors when comparing affordable coverage for low mileage drivers. Vehicles with lots of horsepower, a lack of modern safety features, or a history of substantial liability claims will cost much more to insure than more modest models. The data below shows coverage prices for a number of the most cost-effective vehicles to insure in Idaho.

Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Information does not factor in specific zip code location which can influence rates considerably.

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Premium amounts do not factor in specific location which can change price quotes greatly.

Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Price information does not factor in vehicle location which can increase or decrease price quotes considerably.

The illustration below demonstrates how deductible levels can affect insurance premiums when researching cheap insurance for low mileage drivers. The premiums assume a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 1497,1375,1233,1099],[‘Age 30’, 1053,963,861,759],[‘Age 40’, 1041,953,853,757],[‘Age 50’, 913,839,751,669],[‘Age 60’, 873,803,719,639],[‘Age 70’, 935,859,773,693]]);var options = {title: ‘Impact of Higher Deductibles on Auto Insurance Prices in Idaho’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 30-year-old driver could pocket $188 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $284 by choosing a $1,000 deductible. Young drivers, like the Age 20 category, have the ability to save as much as $398 or even more just by choosing higher deductibles. When increasing deductibles, it’s a good idea to have plenty of money set aside to cover the extra out-of-pocket expense that is associated with using high deductibles.

How accidents and violations affect rates in Idaho

In a perfect world, the best way to receive the most affordable car insurance prices for infrequent drivers is to be a good driver and avoid accidents and traffic violations. The chart below demonstrates how citations and at-fault accidents can impact insurance rates for each age group. The information is based on a married female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 1099,1225,2419],[‘Age 30’, 759,887,2085],[‘Age 40’, 757,887,2081],[‘Age 50’, 669,797,1993],[‘Age 60’, 639,761,1961],[‘Age 70’, 693,817,2015]]);var options = {title: ‘Impact of Tickets and Claims on Idaho Auto Insurance Cost’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Idaho’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of a car insurance policy in Idaho per year with no accidents and a clean driving record is $769. Add in one speeding ticket and the average cost increases to $896, an increase of $126 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of car insurance for low mileage drivers increases to an average of $2,092. That’s an increase of $1,323, or $110 per month, just for being a little careless behind the wheel!

Tips for buying economical auto insurance for low mileage drivers

It is possible to find better rates, and here are many thrifty solutions that can help Idaho drivers find cheap coverage.

• Avoid preventable accidents
• Avoid getting citations and tickets
• Safe vehicles cost less to insure
• Higher deductibles save money
• Higher credit ratings may save you money
• Compare price quotes at least once a year

The last suggestion is remarkably valuable, as was stressed in the article above. Coverage prices vary greatly, so don’t be afraid to buy from a different company if you find a better deal.

Brand loyalty is great, but it’s not a good idea if that dedication is costing a wad of cash every year. If you have a few minutes, shop around to find cheaper insurance for low mileage drivers.