Rock Solid Methods for Buying Cheaper Rathdrum Idaho Auto Insurance

Finding cheap Rathdrum auto insurance on the web is challenging for consumers new to comparing rates online. With so many choices of insurance companies available, how can consumers have a chance to compare every one to find the lowest rates?

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these tips. Finding affordable auto insurance in Rathdrum is quite easy. But Idaho car owners do need to learn how companies determine prices and apply this information to your search.

Rathdrum Auto Insurance Comparisons

Performing a rate comparison can be a daunting task if you don’t understand the easiest way. You can waste a few hours (or days) talking about coverages with insurance companies in Rathdrum, or you can stay home and use online quoting to get the quickest rates.

Many of the larger companies participate in a marketplace that enables customers to send in one quote, and each participating company can provide price quotes determined by their information. This system prevents you from having to do form submissions to each company.

To get comparison pricing now click here to open in new window.

The only downside to using this type of form is you don’t know exactly the insurers to receive prices from. If you would rather choose individual companies for rate comparison, we put together a list of the cheapest auto insurance companies in Idaho. Click here for list of insurance companies in Idaho.

It’s up to you which method you use, but compare exactly the same coverage limits for every quote you compare. If you have unequal deductibles or liability limits you will not be able to determine which rate is truly the best in Rathdrum. Just a small difference in limits can mean a large discrepancy in price. It’s important to know that quoting more helps locate the best price.

How can Allstate and Progressive save drivers who switch?

Companies like Allstate and Progressive regularly use ads on television and other media. All the ads make an identical promise that you’ll save big if you move your coverage to them. How do they all claim to save you money? It’s all in the numbers.

Insurance companies have a preferred profile for the type of driver they prefer to insure. For example, a profitable customer might be between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A customer that hits that “sweet spot” receives the best rates and therefore will save when switching.

Consumers who don’t measure up to this ideal profile must pay a higher premium and this can result in the driver buying from a lower-cost company. The ads state “people who switch” but not “drivers who get quotes” save that much money. That is how companies can truthfully make the claims of big savings.

This illustrates why you absolutely need to get as many comparisons as possible. It’s just too difficult to predict which auto insurance company will fit your personal profile best.

Do you qualify for discounts?

The price of auto insurance can be rather high, but you can get discounts that you may not even be aware of. Certain discounts will be applied at the time you complete a quote, but some must be requested specifically before you will receive the discount. Rathdrum ID car insurance quote

Use Seat Belts – Drivers who require all occupants to wear their seat belts can save up to 15% off the personal injury premium cost.
No Accidents – Good drivers with no accidents can earn big discounts when compared with frequent claim filers.
Own a Home – Simply owning a home can save you money because owning a home is proof that your finances are in order.
Save over 55 – If you’re over the age of 55, you can possibly qualify for better auto insurance rates.
Federal Government Employee – Active or retired federal employment can save as much as 8% depending on your company.
Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
Low Mileage – Low mileage vehicles can earn discounted rates on garaged vehicles.
Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of more than 20%.
Multi-car Discount – Insuring more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
Defensive Driving Course – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.

It’s important to note that some credits don’t apply to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will bring down the amount you have to pay.

To choose providers with the best auto insurance discounts in Idaho, click here.

What if I want to buy from a local Rathdrum agent?

Some consumers prefer to get advice from a local agent and there is nothing wrong with that. One of the best bonuses of comparing rates online is you can get the best rates and still have an agent to talk to. And providing support for local insurance agencies is important especially in Rathdrum.

To make it easy to find an agent, after completing this quick form, your information is instantly submitted to companies in Rathdrum who will compete for your business. You won’t need to visit any agencies because quoted prices will be sent straight to your inbox. It doesn’t get any easier! It’s the lowest rates and a licensed agent to work with.

Choose an insurance agent wisely

When looking for a good Rathdrum insurance agent, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Rathdrum agents are classified as either captive or independent (non-captive).

Independent Agents

Independent insurance agents are not locked into one company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies without you having to go to a different agency.

When searching for an agent, you should always contact at least one independent agent to get the best comparison. They often place coverage with lesser-known insurance companies which may provide better rates.

Shown below are independent insurance agents in Rathdrum who may be able to give you rate quotes.

E Redman and Co Insurance – 15433 N Stevens St – Rathdrum, ID 83858 – (208) 687-2204
Steve Nagel Insurance – 8068 W Main St – Rathdrum, ID 83858 – (208) 687-5525

Captive Insurance Agents

These agents can only place business with one company such as State Farm or Allstate. These agents are unable to shop your coverage around so they have to upsell other benefits. They are usually quite knowledgeable on their company’s products which helps them sell insurance even at higher premiums. Consumers often choose to use a captive agent primarily because of loyalty to the company and the convenience of having all coverages with one company.

Listed below is a list of captive insurance agents in Rathdrum that are able to give price quote information.

Allstate Insurance – 13785 W Highway 53 – Rathdrum, ID 83858 – (208) 687-9414

To view a complete directory of auto insurance agents in Rathdrum, visit this site.

Selecting an auto insurance agent should depend on more than just a low price. These questions are important to ask:

Do clients work directly with the agent or are most inquiries handled by a CSR?
Does the agency provide any after hours assistance?
Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
If your car is totalled, how to they determine the replacement cost?
Are you getting all the discounts the company offers?
Can they provide you with a list of referrals?
Which company do they place the most coverage with?

Upon getting answers to your satisfaction to your questions and locked in a price quote, you’ve probably found an insurance agent that can properly insure your vehicles.

Much more information about auto insurance in Idaho is located on the Idaho Department of Insurance website through this link. Visitors are able to find out which companies have the most complaints, find out industry alerts, and find a variety of consumer forms.

Buy online or local, you save

When trying to cut insurance costs, it’s not a good idea to skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced liability coverage limits and discovered at claim time they didn’t purchase enough coverage. Your strategy should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

Cheap auto insurance is definitely available online and with local Rathdrum insurance agents, and you need to price shop both to have the best selection. Some insurance providers do not offer online quoting and most of the time these small insurance companies sell through independent agents.

People who switch companies do it for many reasons like not issuing a premium refund, high rates after DUI convictions, being labeled a high risk driver and unfair underwriting practices. It doesn’t matter what your reason, switching auto insurance companies is pretty easy and you might even save some money in the process.