5 Ways to Cut Your Auto Insurance Rates in Emmett, ID

Sick and tired of being strong-armed to pay your car insurance bill each month? You’re in the same situation as many other drivers in Idaho.

Having so many auto insurance companies to choose from, it can be diffult for consumers to locate the best company.

Finding affordable coverage in Emmett is quite easy. If you currently have a car insurance policy, you should be able to cut costs considerably using these tips. Although Idaho car owners must know the methods companies use to market insurance on the web and apply this information to your search.

Smart Consumers Save More

It’s important that you understand some of the elements that play a part in calculating the price you pay for auto insurance. Understanding what impacts premium levels allows you to make educated decisions that will entitle you to better auto insurance rates.

Shown below are a partial list of the pieces companies use to determine prices.

• No coverage gaps is important – Letting your insurance expire will be a fast way to trigger a rate increase. Not only will rates go up, but being ticketed for driving with no insurance can result in a revoked license or a big fine.
• Don’t buy coverages you don’t need – There are a ton of additional coverages that can waste your money on your auto insurance policy. Coverages for roadside assistance, accident forgiveness and membership fees are some examples. These coverages may sound good when you first buy your policy, but your needs may have changed so eliminate them to save money.
• High performance equals high price – The type of vehicle you are buying insurance for makes a substantial difference in the rate you pay. Low performance passenger cars receive the most favorable rates, but the cost you end up paying is determined by many additional factors.
• Proper usage rating affects rates – The higher the mileage driven every year the more you will pay for auto insurance. Most insurance companies rate vehicles based on how the vehicle is used. Autos left parked in the garage get more affordable rates compared to those used for work or business. Make sure your auto insurance declarations sheet is showing the correct usage for each vehicle.
• Males pay more for insurance – Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean women are better drivers. Men and women cause accidents in similar percentages, but the males have costlier accidents. They also get cited for more serious violations like reckless driving and DUI. Teenage male drivers tend to get in the most accidents and therefore have the most expensive auto insurance rates.
• Safer cars are cheaper to insure – Safer cars tend to have better insurance rates. Safer cars have better occupant injury protection and fewer injuries translates into savings for insurance companies passed on to you as lower rates.

Discounts are basically free money

Companies don’t always publicize every discount very well, so we researched some of the best known as well as the least known savings tricks you should be using.

• Drivers Education – Cut your cost by having your teen driver enroll in driver’s education in high school.
• Government Employees – Employees or retirees of the government can save as much as 8% with select insurance companies.
• Discount for Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
• Club Memberships – Being a member of a civic or occupational organization may earn a discount when buying auto insurance.
• Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
• Save over 55 – If you’re over the age of 55, you may receive better auto insurance rates.

It’s important to understand that most discount credits are not given to all coverage premiums. Most cut individual premiums such as collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck.

For a list of insurers with discount auto insurance rates in Emmett, click here to view.

What happened to insurance agents?

Certain consumers would rather get advice from a local agent and that is OK! The best thing about price shopping on the web is that you can obtain the lowest rates and still have an agent to talk to.

To make it easy to find an agent, after completing this short form, the coverage information is submitted to companies in Emmett who will compete for your business. You don’t have to leave your computer because quoted prices will be sent straight to your inbox. How cool is that?! It’s the lowest rates and a licensed agent to work with.

Deciding on a company needs to be determined by more than just the price. Agents should be asked these questions:

• Can they provide you with a list of referrals?
• Does the agency have a good rating with the Better Business Bureau?
• Does the agency support the community they serve?
• Do they assist clients in filing claims?
• How long has their agency been open in Emmett?
• Are claim adjusters local or do you have to take your car somewhere else?
• How many years of experience in personal lines insurance coverages do they have?

If you want to contact a specific insurance agent in Emmett, please click here.

Upon getting good answers to these questions and a good coverage price, chances are good that you have found an provider that is a good match to provide auto insurance coverage.

More detailed Idaho auto insurance information is available at the Idaho Department of Insurance website. Consumers can read consumer alerts, view a list of available companies, discover disciplinary actions, and read state legal mandates and laws.

One last thing

Cheap auto insurance is available on the web as well as from independent agents in Emmett, so compare prices from both so you have a total pricing picture. Some insurance providers don’t offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. Too many times, someone sacrificed liability coverage limits only to discover later that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find at the best price while still protecting your assets.