Car Insurance Calculator: Find Low Rates in Idaho
Idaho’s average cost of car insurance is surprisingly low, with minimum coverage rates that are only a fraction of what the national average offers. Yet it’s still important to shop around and compare quotes in order to get the most competitive rate available.
Age and driving record can have a major impact on how much you pay for Idaho car insurance. Younger drivers tend to get in more accidents and file claims, leading to higher premiums than older drivers with no accidents or violations on their record.
Maintaining a clean driving record will help keep your car insurance rates as low as possible, so don’t let minor infractions turn into expensive tickets and fines. Maintaining good credit score is another great way to save money on insurance in Idaho.
Bodily Injury Liability: In Idaho, you must carry $25,000 per person and $50,000 per accident in bodily injury liability coverage. You have the option to add additional liability coverage as needed, as well as uninsured/underinsured motorist protection.
Property Damage Liability: In Idaho, liability insurance is mandatory to cover the cost of other drivers’ vehicle damages. This protection is especially important since 13.2% of cars in the state lack coverage.
Collision and Comprehensive: These two coverage options can significantly lower the amount you pay for Idaho car insurance, especially if your car’s worth more than its deductible. Similarly, if you own an old vehicle that needs fixing or replacing, collision and comprehensive insurance may not be worth the expense.
Your car type can also affect the price of Idaho car insurance premiums. High-performance and luxury models tend to carry higher premiums than standard models since they require more repair or replacement expenses.
Liability-only policies offer the cheapest coverage, but may lack features you need. Full coverage car insurance provides comprehensive protection and includes both basic liability requirements plus optional extras like rental car reimbursement or personal injury protection.
If you’re a first-time driver, it is wise to consult an agent about the various types of insurance and how much protection is necessary. An experienced agent can assist in selecting the appropriate car insurance policy for your individual situation and finding you the most advantageous deal on a policy.
Finding car insurance quotes online is a straightforward and fast process, as all that’s required is filling out some basic information. After doing this, you’ll be presented with multiple car insurance quotes from various companies so you can compare them easily.
Your Idaho car insurance company can give you a breakdown of how much your policy costs, based on factors like driving history and location. If you have any queries regarding your policy details, don’t hesitate to get in touch with an agent.