Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me when I say you are not the only one feeling buyer’s remorse.
Many insurers compete for your hard-earned dollar, so it can be very hard to choose a provider to get the best price available.
It’s important to get comparison quotes on a regular basis since rates change regularly. Even if you think you had the best rates on your last policy the chances are good that you can find a lower rate today. Starting now, block out anything you think you know about car insurance because we’re going to show you the easiest way to properly buy coverages and cut your premium.
If you are paying for car insurance now, you will be able to save some money using these techniques. Finding affordable coverage in Star is not that difficult. But Idaho car owners do need to understand how the larger insurance companies price online insurance.
Automobile Insurance Quotes in Star, Idaho
There are a variety of methods to compare car insurance prices but some are easier and takes less work. You can waste a lot of time talking about coverages with local insurance agents in Star, or you can stay home and use the internet to get pricing more quickly.
All the larger companies belong to a marketplace that allows shoppers to only type in their quote data once, and at least one company provides a quote based on that data. This eliminates the need for form submissions to every company.
To fill out one form to compare multiple rates now click to open in new window.
The single downside to doing it this way is you cannot specify which companies you want to price. So if you want to choose from a list of companies to compare, we put together a list of companies who write car insurance in Idaho. View list of Idaho insurance companies.
Which method you use is up to you, but make absolute certain that you use exactly the same coverages and limits for every quote you compare. If you compare different limits and deductibles on each one you will not be able to make an equal comparison in Star. Having just a slight variation in coverages may cause a big price difference. It’s important to know that comparing more company’s prices will improve the odds of getting better pricing.
You probably qualify for some discounts
Insuring your vehicles can cost a lot, but companies offer discounts that many people don’t even know exist. A few discounts will automatically apply at the time of purchase, but a few need to be requested specifically before you get the savings.
- Claim Free – Drivers who don’t have accidents can earn big discounts when compared with bad drivers.
- Discount for Life Insurance – Larger companies have lower rates if you buy life insurance.
- More Vehicles More Savings – Having multiple cars or trucks on one policy qualifies for this discount.
- Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
- Sign Online – Some insurance companies give back up to $50 for buying a policy and signing up online.
- Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
- Organization Discounts – Being a member of a qualifying organization could trigger savings when shopping for car insurance.
- Federal Government Employee – Being employed by or retired from a federal job may qualify you for a discount with a few car insurance companies.
- Student Driver Training – Require your teen driver to enroll in driver’s education if it’s offered in school.
As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Most only cut individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, car insurance companies aren’t that generous. Any amount of discount will reduce your overall premium however.
To see a list of insurers with discount car insurance rates in Star, click here.
Compare online but buy from a local Star agent
A small number of people would prefer to talk to a local agent. The biggest benefit of comparing rates online is that you can obtain better rates and still choose a local agent. And providing support for small agencies is definitely important in Star.
Upon completion of this quick form, the coverage information is sent to insurance agents in Star who will battle for your business. You never need to drive around due to the fact that quote results will go directly to your email. It doesn’t get any easier! You can find the lowest rates without the usual hassles of price shopping.
Compare rates from both independent and captive insurance agents
When searching for a good insurance agency, there are two types of insurance agents that differ in how they can insure your vehicles. Agencies in Star are categorized either captive or independent.
Independent Agencies or Brokers
Independent agencies do not work for one specific company but rather can write business with any number of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the agent simply finds a different carrier and that require little work on your part.
When comparison shopping, it’s recommended you include price quotes from multiple independent agents for maximum quote selection.
Captive Agents
These agents write business for a single company like AAA, Allstate and State Farm. They are unable to compare other company’s rates so they have no alternatives for high prices. Captive agencies are trained well in insurance sales which helps them compete with independent agents.
Shown below is a short list of captive insurance agents in Star that are able to give price quotes.
Farmers Insurance Group – 10706 W State St – Star, ID 83669 – (208) 286-0775
Allstate Insurance – 11152 W State St – Star, ID 83669 – (208) 286-9142
To view a complete directory of captive insurance agents in Star, please go to this site.
Deciding on a car insurance agent needs to be determined by more than just a cheap price. Any agent should have no problem answering these questions:
- Is working in the agency their full-time job?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Who is covered by the car insurance policy?
- Do the companies they represent have a solid financial rating?
- Do they review policy coverages at every renewal?
- How many years of experience in personal lines insurance coverages do they have?
Once you have received good answers to these questions and a low price estimate, chances are good that you have found an insurance agent that meets your needs to provide car insurance coverage.
Much more information about car insurance in Idaho is located on the website for the Idaho Department of Insurance located here. Idaho drivers can read consumer alerts, file complaints about a company, find disaster information, and report car insurance fraud.
More related Star car insurance information:
- Is Your East Providence, RI Car Insurance Too High? Start Saving Today
- Is Your Ironton Ohio Auto Insurance Too High? Start Saving Today
The best insurance company isn’t always the cheapest
We just covered many tips how you can lower your car insurance rates. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the lowest rates come from a smaller regional carrier. They often have lower prices on specific markets than the large multi-state companies such as Geico and State Farm.
Low-cost car insurance is possible both online in addition to many Star insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies do not provide the ability to get a quote online and these regional insurance providers work with independent agents.