Consumer Tested Strategies for Getting Low-Cost Weiser Auto Insurance

Are you overwhelmed by the wide range of auto insurance options in Weiser? Lot’s of other consumers are too. People have so many companies to choose from that it can turn into a big hassle to find the perfect company for you.

Smart consumers take time to compare prices on a regular basis since insurance rates are variable and change quite frequently. Just because you found the lowest price two years ago there may be better deals available now. Block out anything you think you know about auto insurance because we’re going to demonstrate how to use the internet to reduce your cost while improving coverage.

Smart Consumers Save More

It’s important that you understand some of the elements that go into determining auto insurance rates. Understanding what determines base rates allows you to make educated decisions that could result in lower auto insurance prices.

  • Allowing your policy to lapse raises rates – Allowing your coverage to lapse will be a guaranteed way to pay more for auto insurance. And not only will your rates increase, failure to provide proof of insurance will get you a license revocation or jail time.
  • Don’t sacrifice liability coverage – The liability section of your policy will protect you if you are found to be at fault for damages from an accident. It provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • High performance equals high price – The type of car you are buying insurance for makes a big difference in how high your rates are. The most favorable rates are usually for economy passenger vehicles, but the final cost of insurance is determined by many other factors.
  • Do you know your deductibles? – Deductibles for physical damage represent how much money you are required to spend out-of-pocket in the event of a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some examples of claims that would be covered are colliding with a building, vandalism, and windstorm damage. The more money the insured has to pay upfront, the less your company will charge you for insurance.
  • Safe vehicles cost less to insure – Cars with high safety ratings tend to have better insurance rates. Safe vehicles reduce injuries and fewer injuries means lower claim amounts and more competitive rates for policyholders.

Verify you’re getting all your discounts

Car insurance is not cheap, but there could be available discounts that you may not know about. Larger premium reductions will be automatically applied at quote time, but some must be inquired about in order for you to get them. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Passive Restraints – Factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Claim Free – Good drivers with no accidents pay less when compared with drivers who are more careless.
  • Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Paperless Signup – A few companies may give you up to $50 for buying your policy digitally online.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates than drivers with accident claims.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates.
  • Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
  • College Student – Youth drivers who live away from home without a vehicle on campus can be insured at a reduced rate.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Seat Belt Usage – Requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way. But any discount will bring down your overall premium however.

For a list of insurers with the best auto insurance discounts in Idaho, click this money concept

Compare online but buy from a local Weiser agent

Certain consumers would rather sit down with an agent and that is OK! Professional agents are trained to spot inefficiencies and help in the event of a claim. One of the great benefits of comparing insurance prices online is you may find the lowest rates and still choose a local agent. And providing support for local businesses is important particularly in Weiser.

To find an agent, once you fill out this form (opens in new window), the coverage information is sent to local insurance agents who will return price quotes for your insurance coverage. You won’t need to drive around since price quotes are sent to the email address you provide. Now that’s easy!

The following are agents in Weiser that may be willing to give comparison quotes.

  • Farmers Insurance Group – 36 E Idaho St # R3, Weiser, ID 83672 – (208) 549-2400
  • Farm Bureau Insurance – 194 E Commercial St, Weiser, ID 83672 – (208) 549-1414
  • Youngblood Agency – 739 State St, Weiser, ID 83672 – (208) 549-1976
  • Insurance Group Inc – 404 E 7th St, Weiser, ID 83672 – (208) 549-0924
  • Farm Bureau Insurance – 194 E Commercial St, Weiser, ID 83672 – (208) 549-1414

To view a full list of auto insurance agents in Weiser, visit this site.

Deciding on an provider requires more thought than just a cheap price. Agents should be asked these questions:

  • What are the financial ratings for the companies they represent?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • How long has their agency been in business in Weiser?
  • Who is covered by the car insurance policy?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Do the coverages you’re quoting properly cover your vehicle?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Is assistance available after office hours?

Once you have received acceptable answers to your questions and an affordable coverage quote, you have narrowed it down to an insurance company that will insure your vehicles.

Additional auto insurance information can be read on the Idaho Department of Insurance website through this link. Consumers can read enforcement actions against agents and companies, read industry bulletins, file complaints about an insurance agent or broker, and learn about insurance regulations.

lower rates in Idaho

In the end, you save

Insureds who switch companies do it for a variety of reasons including not issuing a premium refund, being labeled a high risk driver, poor customer service and policy non-renewal. It doesn’t matter why you want to switch finding a new auto insurance company is pretty easy and you might even save some money in the process.

The cheapest auto insurance can be found from both online companies and with local Weiser insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Throughout this article, we presented many tips how you can lower your auto insurance rates. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the lowest premiums are with the smaller companies.