Proven Techniques for Comparing Cheap Burley Auto Insurance

Tired of not being able to afford to buy car insurance? Your situation is no different than millions of other consumers.

Because you have many choices, it is very difficult to find the right car insurance company.

How to Compare Auto Insurance Quotes in Burley, Idaho

Most companies like State Farm, Allstate and GEICO give prices on their websites. Obtaining pricing is quite easy as you simply type in your required coverages as requested by the quote form. Once you submit the form, their system makes automated requests for credit information and your driving record and generates a price based on many factors. Quoting online helps simplify price comparisons, but the process of having to visit different websites and type in the same information gets old quite quickly. But it is imperative to perform this step in order to get the lowest price.

A more efficient way to find better auto insurance pricing is to use a quote form that analyzes rates from a bunch of companies at once. It’s a real time-saver, helps eliminate reptitive entry, and makes online quotes much easier. Once the form is submitted, it is quoted with multiple companies and you can pick any of the resulting price quotes.

If you find a better price you can click and sign and purchase the new policy. The entire process takes 15 minutes at the most and could lower your rates considerably.

To quickly find out if lower rates are available, simply click here to open in new window and complete the simple form. If you currently have coverage, we recommend that you enter the coverage information identical to your current policy. This makes sure you will have a price comparison based on identical coverages.

Discounts are available to cut your rates

Car insurance is not cheap, but you may find discounts that you may not even be aware of. Some trigger automatically at the time of quoting, but some may not be applied and must be asked for prior to getting the savings.

  • Life Insurance – Larger companies have a discount if you purchase auto and life insurance together.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Early Signing – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Paperwork-free – A few companies may give you up to $50 just for signing your application online.
  • Defensive Driver – Taking a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class in school.
  • Accident Forgiveness – A few companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a set time period.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you could save 5% or more.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you could get a free auto insurance policy, companies don’t profit that way. But any discount will reduce your overall premium however.

Quote online but still have a local agent

Some consumers just want to talk to a local agent. The best thing about comparing insurance prices online is that you can obtain the lowest rates and still have an agent to talk to. Supporting small agencies is definitely important in Burley.

Once you complete this simple form, your information is transmitted to agents in your area who will compete for your coverage. You won’t need to visit any agencies because quoted prices will be sent directly to your email. How’s that for easy! Get lower rates AND a local agent.

Captive or Independent: There is a difference

When finding a good insurance agency, there are two different types of agents to choose from. Insurance agencies in Burley can either be independent or captive.

Independent Insurance Agents

Independent insurance agents are not employed by any specific company so they have the ability to put coverage with any number of different companies depending on which coverage is best. If your agent finds better pricing, the agent simply finds a different carrier and that require little work on your part. When comparing rates, you should always include several independent insurance agents for the best price selection.

Below are Burley independent agencies that can give you price quote information.

Norm Wall Insurance – 748 E 17th St – Burley, ID 83318 – (208) 878-4983
Shawn Bingham Insurance – 120 W 13th St – Burley, ID 83318 – (208) 678-1340

Captive Agents

Captive agents can only place business with one company such as AAA, State Farm, Farmers Insurance and Allstate. They generally cannot compare other company’s rates so they have to upsell other benefits. Captives are usually quite knowledgeable on the products they sell and that can be a competitive advantage.

Below are Burley captive insurance agencies that can give you rate quotes.

American Family Insurance – 408 E 5th N – Burley, ID 83318 – (208) 678-2048
State Farm Insurance – 1341 Overland Ave – Burley, ID 83318 – (208) 678-7101
Farm Bureau Insurance – 444 E 5th N – Burley, ID 83318 – (208) 678-0431
Farmers Insurance Group – 1711 Overland Ave # A – Burley, ID 83318 – (208) 678-4022

For a full directory of Burley captive insurance agents, visit this site.

Picking an insurance agent needs to be determined by more than just a low price. Agents should be asked these questions:

  • What insurance companies do they recommend if they are an independent agent?
  • Can glass repairs be made at your home?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Is working in the agency their full-time job?
  • Do they receive special compensation for putting your coverage with one company over another?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?

Upon getting satisfactory answers to any questions you have and a good coverage price, most likely you have located an insurance agency that is a good match to properly insure your vehicles.

Why you might pay higher rates in Burley

An important part of buying insurance is that you know the factors that come into play when calculating auto insurance rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that could result in better auto insurance rates.

The list below includes some of the items companies use to determine premiums.

  • Policy add-ons can waste money – There are quite a few additional coverages that you can buy when buying auto insurance. Coverages for roadside assistance, towing coverage and term life insurance are some examples. They may seem like a good idea when you first buy your policy, but if they’re wasting money eliminate them to save money.
  • Your location is important – Living in small towns and rural areas is a positive aspect when it comes to auto insurance. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims. Urban drivers have to deal with more traffic problems and longer commute times. More time on the road means higher likelihood of an accident.
  • Males pay more for insurance – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes have accidents at a similar rate, but the males cause more damage. They also get cited for more serious violations such as reckless driving. Young males are the most expensive to insure and are penalized with high auto insurance rates.
  • Bump up deductibles to save – Your deductibles define the amount you are required to spend in the event of a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims would be running into the backend of another car, damage caused by hail, or theft. The more expense you’re willing to pay, the less your company will charge you for insurance.
  • Liability coverage is peace of mind – Liability insurance will protect you if ever you are found liable for damages caused by your negligence. Liability insurance provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.

In Summary

We covered many ways to lower your auto insurance rates. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with a lesser-known regional company. They may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive or GEICO.

While you’re price shopping online, it’s not a good idea to buy less coverage just to save a little money. In many instances, someone dropped full coverage only to find out that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Cheap auto insurance is possible online in addition to many Burley insurance agents, so you should compare both to get a complete price analysis. Some auto insurance companies do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

Learn more about Idaho auto insurance

Much more information about auto insurance in Idaho can be found on the website for the Idaho Department of Insurance found here. Idaho drivers can read enforcement actions against agents and companies, find out industry alerts, learn about insurance regulations, and file complaints about an insurance agent or broker.

Other informative sites include and this link where you can get more info about Burley coverage.