9 Ways You Can Buy Car Insurance for Less in Caldwell, ID

Are you intimidated by the wide range of car insurance companies in Caldwell? You’re not the only one! People have so many choices that it can be a big hassle to find better rates.

How to Compare Car Insurance in Caldwell, Idaho

All major car insurance companies like 21st Century, Allstate and State Farm give insurance quotes on their websites. The process is fairly simple as you simply enter your coverage preferences into the quote form. After the form is submitted, their rating system gets reports for credit and driving violations and returns pricing information.

Online quotes streamlines rate comparisons, but having to visit many different websites and complete many quote forms can be a bit repetitive. But it’s absolutely necessary to get many rate quotes in order to get lower prices.

There is an easier way!

The quickest way to lower your car insurance bill requires only one form to return rates from multiple companies. It’s a real time-saver, eliminates form submissions, and makes price shopping online much more enjoyable. After sending the form, your coverage is rated with multiple companies and you can pick any or none of the quotes that you receive.

If you find a better price it’s easy to complete the application and purchase coverage. It takes less than 15 minutes and you’ll know if lower rates are available.

To compare pricing, simply click here to open in new window and fill out the form. If you have coverage now, it’s recommended you enter coverages and limits exactly as shown on your declarations page. This makes sure you will have an apples-to-apples comparison based on identical coverages.

Discounts are great for lower rates

Car insurance can cost a lot, but you can get discounts that many people don’t even know exist. Most are applied at the time of quoting, but less common discounts must be manually applied prior to receiving the credit.<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-24.jpg" alt="Caldwell ID car insurance prices“/>

  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than drivers with accidents.
  • Accident Free – Drivers who don’t have accidents can save substantially when compared with accident-prone drivers.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% depending on your company.
  • Homeowners Pay Less – Owning a house in Caldwell can help you save on car insurance because owning a home demonstrates responsibility.
  • Low Mileage Discounts – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Memberships – Being a member of a civic or occupational organization could trigger savings when shopping for car insurance.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Discount for New Cars – Insuring a new car can be considerably cheaper since new cars are generally safer.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way. But any discount will bring down your premiums.

To choose providers with discount car insurance rates in Idaho, follow this link.

Car insurance specifics

Understanding the coverages of car insurance aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Collision – Collision insurance will pay to fix damage to your vehicle caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a building, scraping a guard rail, hitting a mailbox, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage – This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your vehicle.

Since many Idaho drivers only purchase the least amount of liability that is required (Idaho limits are 20/50/15), their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Liability insurance – Liability insurance will cover damages or injuries you inflict on other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as pain and suffering, bail bonds, court costs, loss of income and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford. Idaho requires minimum liability limits of 20,000/50,000/15,000 but you should consider buying higher limits.

Caldwell ID car insurance prices

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like rehabilitation expenses, dental work, surgery and nursing services. They are used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, hail damage and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

For more Idaho car insurance information

Much more information about car insurance in Idaho can be found on the Idaho Department of Insurance website found here. Idaho drivers can find out industry alerts, file complaints about a company, and find out which companies have the most complaints.