Post Falls, ID Car Insurance For Less Than You’re Paying Now

Consumers who are new to buying insurance online may find shopping for the cheapest Post Falls car insurance is harder than they anticipated.

It’s a great practice to do rate comparisons on a regular basis because insurance rates are adjusted regularly by insurance companies. Even if you got the best deal two years ago you can probably find a lower rate today. Block out anything you think you know about car insurance because we’re going to demonstrate the right way to find great coverage at a great price.

The purpose of this post is to tell you the most effective way to quote insurance and some tricks to saving. If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. Idaho drivers just need to learn the proper way to shop for car insurance on the web.

Compare the Market for Car Insurance in Post Falls

All major car insurance companies such as Allstate and Progressive provide prices on the web. This process is quite simple as you just enter into a form. After you submit the form their system will order credit information and your driving record and provides a quote based on these and other factors.

Online price quotes streamlines rate comparisons, but having to visit a lot of sites and type in the same information can be a bit repetitive. But it’s absolutely necessary to compare as many rates as possible if you are searching for the best price on car insurance.

The smarter way to find better car insurance pricing makes use of a single form to obtain quotes from multiple companies. This type of form saves time, requires less work, and makes comparison shopping a little more enjoyable. After your information is entered, it is rated with multiple companies and you can pick any one of the resulting price quotes.

If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. The whole process only takes a few minutes and you will find out if you’re overpaying now.

To save time and find out how much you can save on car insurance, click here and enter your vehicle and coverage information. If you currently have coverage, we recommend you copy the limits and deductibles as close as possible to your current policy. This way, you will be getting comparison quotes for similar coverage.<img class="alignright" style="padding-top:15px;" src="" alt="Post Falls Idaho auto insurance“/>

Smart Consumers Save More

Consumers need to have an understanding of the rating factors that help determine the price you pay for car insurance. Knowing what influences your rates allows you to make educated decisions that will entitle you to better car insurance rates.

The following are some of the items companies use to determine prices.

  • The type of vehicle makes a difference – The performance level of the car you are insuring makes a substantial difference in the rate you pay. Low performance passenger models generally receive the lowest base rates, but the final cost of insurance is determined by many other factors.
  • Higher deductibles cost less – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered could be collision with another vehicle, collision with an animal, or theft. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket before your car insurance pays a claim. The more money the insured has to pay upfront, the less your car insurance will be.
  • Liability insurance protects assets – Your policy’s liability coverage will protect you in the event that you are found liable for damages from an accident. Liability insurance provides legal defense coverage starting from day one. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • Multi-policy discounts can save money – The majority of car insurance companies give discounts to insureds who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to comparison shop to make sure you are getting the best deal. Consumers may find a better deal by buying car insurance from a different company.
  • Drive a safer car and pay less – Vehicles with high crash test scores get lower rates. The safest vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and thus lower rates.

Take advantage of discounts

Insurance can cost an arm and a leg, but you can get discounts to help bring down the price. A few discounts will automatically apply at the time of quoting, but lesser-known reductions have to be specially asked for before you will receive the discount. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Discount for New Cars – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10%.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts may earn rate discounts up to 30%.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Most cut specific coverage prices like collision or personal injury protection. So when it seems like you can get free auto insurance, it just doesn’t work that way. But any discount will reduce your premiums.

How to know if you need help

When buying coverage, there really is no best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions can aid in determining if your insurance needs would benefit from professional advice.

  • Do I have coverage when using my vehicle for my home business?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I benefit by insuring my home with the same company?
  • Am I covered when driving someone else’s vehicle?
  • Do all my vehicles need collision coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What should my uninsured motorist coverage limits be in Idaho?
  • Am I covered when driving a rental car?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Car insurance in Post Falls Idaho

Cheaper insurance is a realistic goal

While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. In too many instances, someone dropped liability limits or collision coverage only to find out that it was a big mistake. The ultimate goal is to buy enough coverage at a price you can afford while not skimping on critical coverages.

People change insurance companies for a number of reasons such as delays in paying claims, policy cancellation, lack of trust in their agent or policy non-renewal. Regardless of your reason for switching companies, choosing a new company can be easier than you think.

We’ve covered some good ideas how to shop for car insurance online. The key thing to remember is the more you quote, the higher the chance of saving money. You may be surprised to find that the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.

Additional reading for car insurance information

Much more information about car insurance in Idaho is available on the Idaho Department of Insurance website through this link. Idaho drivers can file complaints about an insurance agent or broker, view agent and company licensing information, and find disaster information.