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.
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.
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.
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.
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.
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 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 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:
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.
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.
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.
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.