Buy Pocatello Idaho Auto Insurance at a Discount With These Proven Methods

Shopping for low-cost Pocatello auto insurance on the internet may be rather challenging for people who are new to buying insurance on the web. With a ridiculous number of companies in the marketplace, how can consumers have a chance to compare every company to locate the cheapest rates?

It is always a good idea to do rate comparisons at least once a year due to the fact that insurance rates are adjusted regularly by insurance companies. Even if you think you had the lowest price a couple years back other companies may now be cheaper. So forget anything you know (or think you know) about auto insurance because you’re about to learn the proper way to save money, get proper coverage and the best rates.

How to Get Auto Insurance in Pocatello, ID

There are a lot of ways to shop for auto insurance, but some are less labor-intensive and much quicker. You could spend your day talking to insurance companies in Pocatello, or you can stay home and use the internet to get prices fast.

Many companies participate in a marketplace where insurance shoppers complete one form, and at least one company provides a quote for coverage. This system prevents you from having to do repetitive form submissions to each individual auto insurance company.

To find out how much you can save on auto insurance click here to start a free quote.

The single downside to comparing rates this way is you cannot specify the companies to get pricing from. So if you prefer to pick specific providers to receive pricing from, we have assembled a list of the cheapest auto insurance companies in Idaho. View list of Idaho insurance companies.

Which method you use is up to you, but compare exactly the same coverage limits and deductibles for each comparison quote. If you compare differing limits you can’t possibly determine which rate is truly the best in Pocatello.

Don’t pay full price with these discounts

Auto insurance companies do not list all available discounts very clearly, so the following is a list of some of the more common and also the lesser-known ways to save on auto insurance. If you’re not getting every credit possible, you are throwing money away.

  • Seat Belts Save – Requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Auto/Life Discount – Companies who offer life insurance give better rates if you take out auto and life insurance together.
  • Good Students Pay Less – This discount can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Accident Free – Good drivers with no accidents pay much less when compared with frequent claim filers.

Drivers should understand that many deductions do not apply the the whole policy. A few only apply to specific coverage prices like comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way.

To choose providers offering auto insurance discounts in Pocatello, follow this link.

But don’t I need an insurance agent?

Some people would rather buy from a licensed agent and that is OK! Good agents are trained to spot inefficiencies and help submit paperwork. One of the great benefits of comparing insurance prices online is you can get the lowest rates but still work with a licensed agent.

After completing this simple form, your coverage information is emailed to insurance agents in Pocatello who will give you bids to get your business. You don’t have to leave your house due to the fact that quote results will go to your email. How cool is that?!

Selecting an insurance company shouldn’t rely on just the bottom line cost. Some important questions to ask are:

  • What is the agency’s Better Business Bureau rating?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Do they feel the quoted coverages are adequate?
  • If they are an independent agency, which companies do they recommend?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Do they specialize in personal lines coverage?

Choose an insurance agent wisely

When searching for a good insurance agency, there are a couple of types of agencies that differ in how they can insure your vehicles. Agents are categorized either captive or independent. Both types can properly insure your vehicles, but it’s worth learning the differences because it can influence your agent selection.

Captive Insurance Agents

Captive agencies are contracted to one company such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They are unable to shop your coverage around so always compare other rates. Captive agents are trained well on the products they sell which helps them sell insurance even at higher premiums. Consumers sometimes buy insurance from these agents mainly due to loyalty to the company and the convenience of having all coverages with one company.

Listed below is a list of captive insurance agents in Pocatello willing to provide price quote information.

  • State Farm Insurance – 690 Yellowstone Ave # E – Pocatello, ID 83201 – (208) 232-3099
  • American Family Insurance – 808 Yellowstone Ave – Pocatello, ID 83201 – (208) 478-1095
  • Farm Bureau Insurance – 200 W Alameda Rd – Pocatello, ID 83201 – (208) 233-9442
  • Allstate Insurance – 4155 Yellowstone Ave # 1162 – Pocatello, ID 83202 – (208) 237-1498
  • Farmers Insurance Group – 2500 S 5th Ave – Pocatello, ID 83204 – (208) 234-8100
Independent Agents (or Brokers)

Independent agencies do not work for one specific company but rather can write business with any number of different companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply move the coverage in-house and you won’t have to switch agencies. When comparison shopping, we recommend you include multiple independent agents for the best price selection. They also have the ability to place coverage with smaller companies who may have lower rates.

Below are independent agents in Pocatello that can give you rate quotes.

  • Chad Whyte Agency – 1155 Yellowstone Ave # C – Pocatello, ID 83201 – (208) 237-5000
  • T J Lish Insurance – 700 W Alameda Rd – Pocatello, ID 83201 – (208) 237-1700
  • Rosko Insurance Svc – 1270 Santa Anita St – Pocatello, ID 83201 – (208) 237-9321
  • Allen Collins Agency – 1219 Yellowstone Ave # E – Pocatello, ID 83201 – (208) 237-9183

To view a complete directory of licensed insurance agents in Pocatello, visit this site.

After getting positive responses for all questions you ask as well as a affordable price, most likely you have located an insurance agent that meets your needs to insure your vehicles.

When might I need help?

When it comes to buying the right insurance coverage for your vehicles, there is no cookie cutter policy. Each situation is unique.

These are some specific questions can help discover if you will benefit from professional help.

  • What are the financial responsibility laws in Idaho?
  • How do I file an SR-22 for a DUI in Idaho?
  • What is the difference between comprehensive and collision coverage?
  • Do I need PIP coverage since I have good health insurance?
  • When do I need to add a new car to my policy?
  • Do I have coverage for damage caused while driving under the influence?
  • Should I buy more coverage than the required Idaho minimum liability coverage?
  • Do I need higher deductibles?
  • Can I drive in Mexico and have coverage?
  • How can I get high-risk coverage after a DUI?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the different types of things that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

Shown below are some of the items used by your company to calculate rates.

  • Never let your coverage lapse – Letting your insurance expire is a sure-fire way to trigger a rate increase. Not only will rates go up, but not being able to provide proof of insurance can result in a steep fine or even jail time.You may then be required to file a SR-22 with the Idaho motor vehicle department.
  • More people means more accidents – Choosing to live in small towns and rural areas can save you money when talking about auto insurance. Drivers in populated areas regularly have traffic congestion and much longer commute distances. Less people living in that area translates into fewer accidents and a lower car theft rate.
  • Too many auto insurance claims drive up costs – If you frequently file small claims, you can definitely plan on higher rates. Auto insurance companies in Idaho award better rates to policyholders who are claim-free. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Liability coverage is cheap – The liability section of your policy will protect you if you are found liable for causing damage or personal injury in an accident. Liability provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Discounts for married couples – Being married helps lower the price on your policy. Marriage is viewed as being more mature than a single person and statistics show drivers who are married are more cautious.
  • Drive less and save money – The more miles you rack up on your car each year the higher your rate. Most companies rate vehicles determined by how the vehicle is used. Vehicles not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance policy properly reflects how each vehicle is driven.
  • Car features impact rates – Owning a car with an alarm system can get you a discount on your auto insurance. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.

In conclusion

Consumers change insurance companies for a number of reasons such as delays in responding to claim requests, questionable increases in premium, an unsatisfactory settlement offer and policy non-renewal. It doesn’t matter why you want to switch finding a great new company is not as hard as you think.

We’ve covered many ideas to reduce auto insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the lowest rates come from some of the lesser-known companies.

Lower-priced auto insurance is definitely available both online in addition to many Pocatello insurance agents, and you need to comparison shop both to have the best selection. There are still a few companies who do not provide online quoting and most of the time these smaller companies sell through independent agents.

Learn more about Idaho auto insurance

Even more information can be read at the Idaho Department of Insurance website. Consumers can find out which companies have the most complaints, learn about insurance regulations, read industry bulletins, and view agent and company licensing information.