Who Has Cheap Auto Insurance Quotes for Active Military in Idaho?

Locating budget auto insurance is tough enough, and determining which insurers offer the most affordable auto insurance rates for active military will require a bit more work. Policy rates will most likely be slightly cheaper than the state average attributed to the lower likelihood of claims that goes along with selling coverage for military personnel. Reasonably-priced insurance should be achievable from a lot of different insurance providers.

Every auto insurer has a proprietary method to establish rates, so to begin we’ll rank the auto insurance companies with the overall best prices in Idaho. We do need to point out that Idaho auto insurance rates are calculated based on many things that can increase the cost of your policy. This price variation is why it is so important to do a thorough rate comparison when trying to find the cheapest insurance quotes for active military. Insurance prices are made up of many different factors and can increase or decrease at any time, so the best price six months ago may now be wasting a lot of money.

Best Car Insurance Prices for Military

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American National may offer some of the lowest car insurance rates in Idaho at around $240 annually. USAA, Farm Bureau of ID Group, Oregon Mutual, and Travelers also are some of the best Idaho insurance companies.

In the above rates, if you are insured with Oregon Mutual and switched to USAA, you might see savings of upwards of $142. Idaho drivers with Travelers could save as much as $156 a year, and American Family policyholders might lower prices by $169 a year.

To find out how much you can save, click here to begin a quote or click through to the companies below.

Be aware that those prices are averages across all types of insureds and vehicles and do not factor in a price discount for active military. So the company that has the cheapest price for you may not even be featured in the above list. That is why you need to get car insurance quotes using your own driver and vehicle profiles.

The vehicle you are trying to insure is one of the largest considerations when shopping around for cheap car insurance for active military in Idaho. Vehicles with limited top-end speed, excellent safety ratings, or a track record of few liability claims will cost substantially less to insure than fast, unsafe models. The tables below illustrates insurance costs for a handful of the most budget-friendly automobiles to buy insurance for.

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Idaho minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rates do not factor in garaging location in Idaho which can influence prices substantially.

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Idaho minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate information does not factor in specific zip code location which can increase or decrease coverage rates greatly.

Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Idaho minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rates do not factor in vehicle location which can influence auto insurance rates significantly.

Difference between liability only and full coverage rates

Finding cheap car insurance for active military in Idaho is the goal of the majority of people, and one good way to find cheap insurance is to not pay for full coverage. The chart below illustrates the difference between car insurance rates when comparing full coverage to liability only. The costs are based on no violations or claims, $1,000 deductibles, drivers are not married, and no discounts are factored in.

If we average the cost for ages 20 through 70, full coverage on your policy costs $999 per year over liability only. At some point, about every driver wonders if buying full coverage is worth the money. There is no set guideline to eliminate full coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s say your vehicle’s book value is $11,500 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $10,500 after the policy deductible has been paid. If premiums are more than $1,050 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

The diagram below illustrates how choosing a deductible can increase or decrease insurance rates when getting quotes for cheap insurance for active military. The costs are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.

A 40-year-old driver could cut expenses by $188 a year by switching from a $100 deductible up to a $500 deductible, or save $284 by changing to a $1,000 deductible. Young drivers, such as the Age 20 example, have the ability to save as much as $472 or more by selecting a higher deductible.

If you do decide to increase your deductibles, it is essential to have spare funds to be able to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Progressive, Allstate, Geico, or State Farm: Who is cheapest?

When comparing auto insurance for military personnel in Idaho, the top insurers to get price quotes from are Progressive, Allstate, Geico, and State Farm. All of them offer physical damage and liability coverage, but each has a distinct set of features and optional coverages that policyholders can choose from. The following table ranks pricing and service ratings, plus some optional coverages offered by each company.