Cheap Idaho Auto Insurance

Trying to find the most for your money? Our free quote can help a person find cheap auto insurance in Idaho – or any other state! We make sure that you have everything that you’re looking for, without having to search high and low for it. When they’re in one place, it helps the user conduct a side-by-side comparison, something vital when you’re looking at something as extensive as car insurance. But first, it helps to read some of what the state has on the books regarding car insurance law.

The state of Idaho is a Tort state. This means that if the state declares an individual as the cause of an accident, the named person will be required to pay all the damages which result from the accident they caused. This will include all medical bills and vehicle repairs. For this reason, insurance companies may encourage you to purchase more than the minimum auto liability insurance required by the state of Idaho, even if that kind of goes against what’s offered for cheap auto insurance in Idaho. If a car is financed, you will most likely be required to carry comprehensive and collision coverage on the vehicle. Otherwise, collision, comprehensive, underinsured and uninsured motorist are not required by the state of Idaho. Insurance companies are supposed to offer you this coverage at the time you inquire about insurance.

If you allow your auto insurance policy to lapse in the state of Idaho, it is the same as driving without insurance, and that’s no excuse considering all of the fine companies that offer cheap auto insurance in Idaho. Driving without insurance is a crime in Idaho and will result in the loss of your driver’s license. In the state, the insurance company is allowed to check out your personal credit history when offering you insurance and setting your premium rates. It can also be used to determine if you will be allowed to make monthly, quarterly or semi-annual premium payments. Poor credit ratings may result in you being required to pay the entire year’s premium at the beginning of the policy term. Maintaining a good driving record and paying your bills on time may reduce your premiums.

The average insurance premium in Idaho was about $577.00 per year as of 2006. Idaho was ranked as having the third lowest premium average in the United States. Things that can help you reduce the cost of your insurance premiums include a clean driving record, the type of vehicle you choose to drive as well as the number of miles you drive per year. The fewer miles you put on your vehicle each year, the lower your chances are of being involved in an accident. The reduction in accident risk can translate into a reduction in premiums, amounting to a cheap Idaho auto insurance policy. Furthermore, a clean driving record reduces your risk of an accident.

It will be more expensive to insure a luxury car or a sports car. You should also keep in mind that insurance premiums will be higher on vehicles which are a high priority for thieves. The cars that made the top 10 stolen vehicles in Colorado are:

1. 1988 Toyota Pickup
2. 1992 Chevrolet C/K 1500 Pickup (full size)
3. 1993 Honda Accord
4. 1997 Ford F150
5. 1988 Honda Civic
6. 1989 Toyota Camry
7. 1995 Chevrolet Blazer
8. 1988 Ford Ranger
9. 2001 Pontiac Grand Am
10. 1997 Chevrolet Cavalier

There are other things that amount for cheap auto insurance in Idaho. Safety devices such as anti-lock brakes side air bags, automatic seat belts and daytime running lights may also reduce your premiums along with anti-theft devices like an alarm system and global positioning systems. Don’t forget to maintain a good credit record as the insurance company looks at this to determine how likely you are to pay your premiums on time. Prior accident claims will also be a red flag to insurance companies especially if there are several claims on your past record. The amount of your deductible is also a key factor when determining insurance rates. The higher your deductible is, the lower your insurance rates will be.

So, there you have it. There are many moving parts when it comes to determining cheap auto insurance in Idaho. Luckily enough, we factor all of this in when we’re bringing you offers with our free quote tool. Basically, we allow for the person to only make an informed decision regarding their best option for a car insurance policy, which is of the most importance. Give us a try, we promise you’ll be pleased with our results!

Useful links:
Idaho Division of Motor Vehicles
Idaho Division of Insurance
Idaho Department of Revenue

Bodily Injury Liability Per Person: $25,000.00 Limit
Bodily Injury Liability Total: $50,000.00 Limit
Property Damage Liability: $15,000.00 Limit


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