New Tricks for Buying Kuna Auto Insurance at a Discount

Are you confused by the crazy number of auto insurance options in Kuna? You’re not the only one! Drivers have so many choices that it can easily become a big hassle to find the best price.

This information will tell you the best way to quote coverages and some tips to save money. If you are paying for car insurance now, you should be able to reduce your rates substantially using this strategy. Idaho vehicle owners only need to know how to compare price quotes on the web.

Lower rates by qualifying for discounts

Insurance can cost an arm and a leg, but there are discounts available to help bring down the price. Most are applied when you complete an application, but less common discounts must be asked about before being credited. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Accident Forgiveness – Some insurance companies permit an accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Discount for New Cars – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Drive Less and Save – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Safety Course Discount – Taking a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Claim Free – Drivers with accident-free driving histories pay much less as compared to bad drivers.
  • Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • Homeowners Pay Less – Owning a home in Kuna may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.

Keep in mind that most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, you’re out of luck. But any discount will help reduce the cost of coverage.

Lower your Kuna Auto Insurance Rates

Smart consumers have a good feel for some of the elements that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what determines base rates helps enable you to make changes that may reward you with better auto insurance rates.

The list below includes a partial list of the pieces that factor into rates.

  • Add-on coverages can add up – There are many extra coverages that you can buy on your policy. Insurance for roadside assistance, towing coverage and motor club memberships are some examples. They may seem good when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
  • Pay less after the wedding – Having a spouse can actually save you money on auto insurance. Having a spouse translates into being more mature than a single person it has been statistically shown that drivers who are married are more cautious.
  • Drive a safer car and pay less – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and thus lower rates.
  • Protect yourself with liability coverage – Liability insurance provides coverage when you are found to be at fault for causing damage or personal injury in an accident. Liability provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.

Car insurance is unique, just like you

When it comes to choosing the best auto insurance coverage, there is no cookie cutter policy. Every insured’s situation is different.Auto insurance in Kuna ID

Here are some questions about coverages that may help you determine whether or not you might need professional guidance.

  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered when driving someone else’s vehicle?
  • Exactly who is provided coverage by my policy?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered when delivering products for my home-based business?
  • Do I need PIP coverage since I have good health insurance?
  • Do I need medical payments coverage since I have good health insurance?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance ads bend the truth

Consumers in Idaho constantly see and hear ads that promise big savings by companies like Progressive, GEICO, Allstate and State Farm. They all make the same claim about savings after switching to them.

How do they all claim to save you money?

Different companies are able to cherry pick for the driver that earns them a profit. An example of a profitable customer could possibly be between 25 and 40, owns a home, and has a high credit rating. Any driver who matches those parameters will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Consumers who don’t qualify for the requirements will have to pay a higher premium which usually ends up with the customer not buying. The ad wording is “customers who switch” not “people who quote” save that kind of money. That is how insurance companies can confidently advertise the way they do.

Because of the profiling, drivers should compare many company’s rates. It is impossible to predict the company that will have the lowest rates.

Auto insurance in Kuna ID

To learn even more about auto insurance

Additional auto insurance information is available on the Idaho Department of Insurance website found here. Visitors are able to learn about specific coverages, find a variety of consumer forms, and read industry bulletins.

One last thing about your coverage

Lower-priced auto insurance is available both online and also from your neighborhood Kuna agents, so you should compare both to have the best chance of lowering rates. Some insurance providers may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

As you prepare to switch companies, make sure you don’t skimp on coverage in order to save money. There are a lot of situations where someone dropped physical damage coverage to discover at claim time they didn’t have enough coverage. The aim is to get the best coverage possible at an affordable rate while still protecting your assets.

People leave their current company for many reasons like being labeled a high risk driver, policy non-renewal, questionable increases in premium or poor customer service. Whatever your reason, finding the right auto insurance provider is not as hard as you think.