Follow These Ultimate Techniques for Saving Money on Rupert, ID Car Insurance

Are you sick and tired of scraping the payment together to insure your vehicles every month? You are no different than many other drivers in Idaho.

You have so many auto insurance companies to pick from, and although it’s a good thing to have multiple companies, too many choices makes it more difficult to adequately compare rates.

You need to price shop coverage before your policy renews because rates trend upward over time. Even if you think you had the lowest rates on your last policy you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because you’re about to learn the quickest way to get good coverage at a lower rate.

How to Compare Car Insurance Costs in Rupert

All major car insurance companies such as Allstate, GEICO and Progressive provide insurance quotes directly from their websites. Obtaining pricing is fairly straightforward as you just enter into a form. After you complete the form, their system sends out for your driving record and credit report and returns a price. This makes comparing rates easy, but the work required to visit many different websites and enter the same data into a form can be a bit tiresome and repetitive. But it’s very important to have as many quotes as possible in order to get the lowest car insurance rates.

Compare rates the easy way

The easiest way to find better car insurance pricing makes use of a single form that analyzes rates from a bunch of companies at once. The form is fast, eliminates repetitive work, and makes quoting online much easier to do. Once the form is submitted, your coverage is rated and you are able to buy any one of the returned quotes.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The whole process takes 15 minutes at the most and may result in a nice savings.

To find out how much you can save on car insurance, click here to open in a new tab and submit the form. To compare your current rates, we recommend you type in coverages and limits exactly as shown on your declarations page. This helps ensure you will get a price comparison for similar insurance coverage.

Cut your car insurance rates with discounts

The cost of insuring your cars can be expensive, but you may find discounts to reduce the price significantly. Some trigger automatically at the time of purchase, but some must be manually applied prior to receiving the credit.

  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • Clubs and Organizations – Being a member of a qualifying organization is a good way to get lower rates on car insurance.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class in high school.

Drivers should understand that most discount credits are not given the the whole policy. Most only cut the price of certain insurance coverages like comp or med pay. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount will help reduce your overall premium however.Rupert ID auto insurance

But I want to work with a local agent

A small number of people would prefer to buy from a local agent and that is just fine! The biggest benefit of price shopping on the web is you can get lower rates but also keep your business local. And providing support for local insurance agencies is especially important in Rupert.

By using this quick form, your insurance coverage information is transmitted to local insurance agents in Rupert who will return price quotes for your coverage. You won’t need to drive around because quoted prices will be sent straight to your inbox. How cool is that?! Get lower rates AND an agent nearby.

Best insurance agent in Rupert

If you’re trying to find a reputable insurance agent or broker, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. Agencies in Rupert are classified as either independent or captive.

Independent Agents

Independent agents are not required to write business for one company so they can insure your vehicles with any number of different companies depending on which coverage is best. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent. When searching for an agent, we recommend you get quotes from at a minimum one independent agency to get the best comparison.

Shown below is a list of independent insurance agencies in Rupert that can give you pricing information.

Wrangler Insurance – 634 5th St – Rupert, ID 83350 – (208) 436-9026
Christensen Insurance Svc – 504 6th St – Rupert, ID 83350 – (208) 878-4360

Captive Agents

Captive insurance agents have only one company to place business with and some examples include AAA, State Farm, Farmers Insurance and Allstate. They usually cannot give you multiple price quotes so it’s a take it or leave it situation. Captive agencies are well schooled on their company’s products which helps them compete with independent agents.

Choosing an insurance agency requires more thought than just a cheap price. Some important questions to ask are:

  • Does the agent have professional designations like CIC, CPCU or AIC?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Does the agency provide any after hours assistance?
  • Do they receive special compensation for putting your coverage with one company over another?
  • How long have they worked with personal auto insurance coverage?
  • What insurance companies do they recommend if they are an independent agent?
  • Is their price quote a firm figure or are their hidden costs?

After receiving satisfactory answers to all your questions and an acceptable price quote, you’ve probably found an insurance agency that is a good match to adequately provide car insurance.

Rupert ID auto insurance

Which insurance is the “right” coverage?

When buying proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

  • What is the minimum liability in Idaho?
  • How many claims can I have before being cancelled?
  • Why is insurance for a teen driver so high in Rupert?
  • Am I covered when driving in Canada or Mexico?
  • Should I buy only the required Idaho minimum liability coverage?
  • Do I need to file an SR-22 for a DUI in Idaho?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I really need UM/UIM coverage?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Additional car insurance information can be read on the website for the Idaho Department of Insurance located here. Idaho consumers can read enforcement actions against agents and companies, find out which companies have the most complaints, find disaster information, and learn about specific coverages.

Additional helpful sites include and this list of insurance agents in Rupert.

Smart consumers save more

When shopping online for car insurance, you should never buy poor coverage just to save money. There have been many cases where consumers will sacrifice uninsured motorist or liability limits only to find out they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Affordable car insurance is possible on the web and also from your neighborhood Rupert agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.