When shopping for cheaper insurance, are you overwhelmed by the dozens of auto insurance providers that you can choose from? Many other drivers are as well. Idaho people have so many choices that it can be a difficult mission to find the perfect company for you. If you’ve ever been there, you know that Driggs has many things to offer, but high auto insurance premiums makes it difficult to pay for enough auto insurance coverage.
It’s important to do price comparisons yearly since insurance prices fluctuate regularly. Despite the fact that you may have had the best price at your last renewal you can probably find a lower rate today. Block out anything you think you know about auto insurance because I’m going to teach you the things you must know in order to save money, get proper coverage and the best rates.
If you have a current auto insurance policy or are shopping for new coverage, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Shopping for affordable protection in Driggs is simple if you know the tricks. Idaho consumers only need an understanding of how to compare prices online.
Cutting your Driggs auto insurance rates can be surprisingly simple. Consumers just need to spend a few minutes to compare rate quotes online with multiple companies. It’s super easy and can be done in a couple of different ways.
- The fastest and easiest way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This easy form keeps you from doing separate quotes for every company. One form will return quotes from many national carriers. Just one form and you’re done.
- A harder way to get comparison quotes is to take the time to go to each company website and go through the quote process again. For examples sake, let’s say you are doing a rate comparison from GEICO, Allstate and GMAC. To find out each rate you need to take the time to go to each site and type in your information over and over, which is why the first method is quicker.
For a handy list of car insurance company links in Driggs, click here.
- The old school way to compare price quotes is to drive around to insurance agencies in your area. The ability to buy insurance online eliminates this option unless you’re the type of person who wants the peace of mind only provided by licensed agents. You can, however, comparison shop online and get advice from an agent in your area.
You can choose any of those ways to find more affodable coverage, but be certain you are entering identical coverage limits and deductibles with each company. If each company quotes different deductibles you will not be able to determine which company has the best rates in Driggs.
Good choices result in lower premiums
Part of the auto insurance buying process is learning the factors that help calculate the level of your policy premiums. If you understand what positively or negatively impacts your premiums, this enables informed choices that can earn you big savings.
- Multi-policy discounts can save money – The majority of insurance companies allow lower prices to customers that have more than one policy, otherwise known as a multi-policy discount. Even if you already get this discount, it’s always a smart idea to compare other company rates to ensure the best deal.
- Poor driving means higher premiums – How you drive influences premium rates substantially. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Just one moving violation could increase your next policy renewal twenty percent or more. Drivers with license-revoking tickets such as reckless driving or DUI may find that they have to to prove financial responsibility with their state’s licensing department in order to continue driving.
- Single vs. married – Walking down the aisle may save some money on your auto insurance policy. It demonstrates that you tend to be more mature than a single person and it’s statistically proven that married drivers tend to file fewer claims.
- Cheaper premiums using alarms and GPS tracking – Buying a car that has a built-in theft deterrent system can help lower your premiums. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder auto theft and help lower rates.
- Your address can push rates up or down – Choosing to live in small towns and rural areas can be a good thing if you are looking for the lowest rates. People in densly populated areas tend to have more aggressive driving styles and a longer drive to work. Fewer drivers on the road means less chance of accidents.
- Save money by raising comp and collision deductibles – Physical damage protection, aka comp and collision, protects your car from damage. Examples of some claims that would be covered could be a dented fender, collision with an animal, and damage caused by flying debris. Comprehensive and collision coverage deductibles are how much you are willing to pay if the claim is covered. The more money the insured has to pay upfront, the less your auto insurance will be.
- Premiums are lower the older you get – Mature drivers have been proven to be more responsible, tend to file fewer claims , and are generally more financially stable.Drivers with little experience are statistically proven to be inattentive and easily distracted when driving with friends so they pay higher auto insurance rates.
Auto insurance discounts help lower rates
Some providers don’t always advertise all available discounts very clearly, so the below list has a few of the more common and the more hidden credits that may apply to you.
- Accident-Free Discounts – Good drivers with no accidents are rewarded with significantly better rates on when compared with insureds who have frequent claims or accidents.
- Telematics Data – Insureds that choose to allow companies to scrutinize where and when they drive by using a telematic data system like Allstate’s Drivewise could save a few bucks if they are good drivers.
- Driggs Homeowners Pay Less – Owning a house in Driggs may earn you a small savings because owning a home demonstrates responsibility.
- Multi-Vehicle Discounts – Buying insurance for multiple cars on a single policy can get a discount for every vehicle.
- Low Mileage – Driving less can earn lower rates on the low mileage vehicles.
A little note about advertised discounts, some of the credits will not apply the the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. Even though it appears all those discounts means the company will pay you, it’s just not the way it works.
Some companies that may include these money-saving discounts include:
Check with all the companies to apply every possible discount. A few discounts might not apply in Driggs. To choose providers with the best discounts in Driggs, follow this link.
Auto insurance can get complicated
When buying the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.
Here are some questions about coverages that can aid in determining whether your personal situation could use an agent’s help.
- Do I need medical payments coverage since I have good health insurance?
- Am I covered when delivering products for my home-based business?
- What are Idaho no-fault laws?
- Is Idaho a no-fault state?
- Which companies will insure high-risk drivers?
- Does my vehicle qualify for pleasure use?
- What companies insure drivers after a DUI or DWI?
If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.
Buying auto insurance from Driggs car insurance agents
A small number of people would rather talk to a local agent. Most agents are trained risk managers and help in the event of a claim. A good thing about price shopping on the web is that you can find cheap auto insurance rates and still choose a local agent.
To find an agent, once you fill out this short form, your insurance data is sent to local insurance agents that can provide and help you find cheaper coverage. You don’t have to contact any insurance agencies since rate quotes are delivered to the email address you provide. If you need to get a price quote from a specific insurance company, you just need to jump over to their website and fill out their quote form.
Picking an company should include more criteria than just the bottom line cost. Before buying a policy, get answers to these questions.
- Does the company have a local claim office in Driggs?
- Do they prorate repair cost based on vehicle mileage?
- Will you get a loaner vehicle if you car is being repaired?
- Are they able to influence company decisions when a claim is filed?
- When do they do a full risk review?
- Do they have cheaper tiers of coverage?
- If you raise deductibles, how much can you save?
- Do they carry Errors and Omissions coverage?
When finding a good Driggs insurance agent, it’s helpful to know the different agency structures and how they work. Auto insurance agents in Driggs are either independent agents or captive agents. Either can provide auto insurance policies, but it’s important to know how they differ since it can impact your selection of an agent.
Captive Auto Insurance Agencies
Agents in the captive channel can usually just insure with one company like American Family, State Farm, and Allstate. Captive agents cannot compare rates from other companies so you need to shop around if the rates are high. Captive insurance agents are highly trained on what they offer which helps them sell on service rather than price. Consumers sometimes buy insurance from these agents primarily because of the brand instead of buying on price only.
Shown below are captive agencies in Driggs willing to provide rate quotes.
- Farm Bureau Insurance – 55 S Main St – Driggs, ID 83422 – (208) 354-2775
Independent Auto Insurance Agents
Independent insurance agents do not work for one specific company and that allows them to write policies through lots of different companies and get the cheapest rates. If your agent finds better pricing, the business is moved internally which requires no work on your part. When comparing auto insurance rates, you definitely need to contact several independent agencies to get the best comparison. They also have the ability to place coverage with less well-known companies which can save you money.
Shown below are independent agencies in Driggs who can help you get comparison quotes.
- A Better Insurance – 74 N Main St – Driggs, ID 83422 – (208) 354-2741
- Summit Insurance Svc – 650 Centennial Mountain St#114 – Driggs, ID 83422 – (208) 354-8700
To view additional auto insurance agents in Driggs, please see this full listing of auto insurance agents in Driggs.
Don’t give up on affordable coverage
People switch companies for a number of reasons such as high rates after DUI convictions, extreme rates for teen drivers, policy non-renewal or unfair underwriting practices. It doesn’t matter what your reason, finding a new company is less work than it seems.
We’ve covered some good ideas how you can lower your auto insurance prices. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest priced auto insurance comes from the least-expected company.
As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice liability coverage limits and found out when filing a claim that it was a big error on their part. Your strategy should be to buy enough coverage at the best price.
Additional detailed information can be found at the Idaho Department of Insurance website. Idaho drivers can file complaints about a company, find out which companies have the most complaints, and discover disciplinary actions.