Idaho Car Insurance Calculator
When shopping for car insurance coverage in Idaho, there are a few factors that will determine your premium. Age, driving history, vehicle type and coverage level all play an important role in determining price point. By knowing these details you can better comprehend personal pricing and make informed decisions based on individual needs.
Age
Drivers over 40 in Idaho pay the least for auto insurance, while young drivers face a greater risk of accidents and can be charged up to 2.3x more for their premiums due to inexperience as young drivers tend to get into more accidents than experienced ones. Therefore, premiums for young drivers tend to be higher than those paid to older motorists based on age rather than experience.
Credit Score
If your credit score is poor, car insurers in Idaho will charge more for coverage. This is because car companies use credit scores to predict who will file a claim and how much money they must pay out if one occurs.
Coverage Levels
In Idaho, car insurance policies must include a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $15,000 in property damage liability protection.
These are the minimum coverage amounts required by law, but you can purchase additional limits to boost your financial protection in case of an accident. These optional amounts are known as “full coverage.”
When purchasing car insurance, one of the most crucial elements to consider is coverage level. The more coverage you purchase, the higher your bill will be; however, having enough protection for all your expenses provides greater peace of mind.
Finding out how much your coverage will cost is the best way to determine its approximate cost. Additionally, getting a quote allows you to assess whether or not additional types of protection like uninsured motorist and personal injury protection (PIP) should be added onto your policy.
Liability Limits
In addition to the state-mandated minimum coverage, Idaho requires you to purchase liability limits on your insurance policy. These limits are meant to safeguard you in case an accident occurs due to someone else’s negligence.
Higher liability limits are available, though these tend to be more expensive than Idaho’s minimum requirements. You could also get a lower limit and save money on your insurance by opting for a high-risk policy.
Roadside Assistance
A comprehensive and collision policy can cover costs for a tow truck or emergency medical assistance in case of an accident, while rental car insurance helps cover expenses if your car is out of commission due to a covered claim.
Additional Insurance Options
Other insurance choices in Idaho include collision and comprehensive coverage, which pays for damage caused by an accident with another driver or something else. Although these can be more expensive, they’re worth it in case of damage sustained from said incident.