Tricks for Paying Less for Eagle Idaho Car Insurance Rates

If you’re new to shopping for car insurance online, it’s easy to get confused due to the large number of car insurance companies offering coverage in Eagle.

Be sure to get all your discounts

Auto insurance companies don’t always advertise every discount very clearly, so here is a list both the well known and also the lesser-known savings tricks you should be using.

  • Low Mileage – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Homeowners Pay Less – Owning a house in Eagle can save you money because maintaining a house demonstrates responsibility.
  • Accident Free – Drivers with accident-free driving histories pay much less when compared with frequent claim filers.
  • Bundle and Save – When you have multiple policies with one insurance company you may save 10% to 20% off each policy.
  • Drivers Education – Require your teen driver to complete a driver education course in school.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Organization Discounts – Affiliation with a professional or civic organization could qualify you for a break when buying car insurance.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you could save up to 5%.

Keep in mind that many deductions do not apply the the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, you’re out of luck.

To choose insurance companies with the best car insurance discounts in Idaho, click here to view.

Eagle Car Insurance Quote Comparison

All major car insurance companies such as GEICO, State Farm and Progressive give coverage price quotes online. Getting quotes is fairly simple as you simply enter your coverage preferences into a form. When the form is submitted, their system will order your driving and credit reports and returns pricing information.

This helps simplify price comparisons, but the time it takes to visit several different sites and enter the same data into a form is monotonous and tiresome. Unfortunately, it is important to perform this step if you want to find a lower rate.

A quicker way to get multiple rate quotes uses one form that analyzes rates from several companies at one time. It’s a real time-saver, reduces the work, and makes rate comparisons a lot less work. Immediately after you send the form, it is quoted and you can choose any or none of the quotes that you receive. If you find a better price you can simply submit the application and purchase the new policy. It takes less than 15 minutes and may result in a nice savings.

To compare pricing, simply click here to open in new window and submit the form. If you have coverage now, it’s recommended you duplicate the coverages exactly as shown on your declarations page. Doing this assures you are getting a price comparison for similar coverage.

What impacts Eagle insurance rates?

Smart consumers have a good feel for the factors that go into determining your car insurance rates. Knowing what controls the rates you pay helps enable you to make changes that may reward you with big savings.

Listed below are a partial list of the pieces that factor into rates.

  • Do you need those extra coverages? – There are quite a few extra bells and whistles that you can get tricked into buying on your policy. Insurance for personal injury protection, accidental death and membership fees may be wasting your money. They may seem good at first, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Occupation reflects on rates – Did you know that where you work can have an impact on rates? Occupations such as judges, executives and stock brokers tend to have the highest rates due to stressful work requirements and long work days. On the other hand, jobs such as farmers, students and homemakers receive lower rates.
  • A lapse in coverage is a bad thing – Allowing your car insurance policy to lapse is a fast way to pay more for car insurance. And not only will your rates increase, but not being able to provide proof of insurance might get you a license revocation or jail time.
  • High numbers of claims are not good – If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Companies in Idaho give cheaper rates to policyholders who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.

But I prefer to buy car insurance from an agent

Certain consumers prefer to talk to a local agent and that is a personal choice. One of the best bonuses of price shopping on the web is the fact that you can find lower rates but still work with a licensed agent.

To make it easy to find an agent, after completing this quick form, your information is submitted to insurance agents in Eagle who will compete for your insurance coverage. You don’t have to even leave your home as quotes are delivered directly to your email. How cool is that?! You’ll get the best rates and work with a local agent.

Choosing an provider needs to be determined by more than just the price. Here are some questions to ask:

  • How much will you save each year by using a higher deductible?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Do they review policy coverages at every renewal?
  • Which company do they place the most coverage with?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Does the agency have a good rating with the Better Business Bureau?
  • Can glass repairs be made at your home?

The different types of insurance agents

When looking for a good insurance agency, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Agents are categorized either captive or independent.

Agency Captives

This type of agents can only place business with one company and some examples include Liberty Mutual, State Farm, Allstate and AAA. They usually cannot shop your coverage around so they are skilled at selling on more than just price. Captives are very knowledgeable on the products they sell which helps them compete with independent agents. Consumers often buy from captive agents partially due to high brand loyalty and solid financial strength.

The following are captive agencies in Eagle who can help you get price quote information.

  • Farmers Insurance Group – 619 E State St – Eagle, ID 83616 – (208) 939-8485
  • State Farm Insurance – 664 S Rivershore Ln # 164 – Eagle, ID 83616 – (208) 938-4975
  • American Family Insurance – 408 S Eagle Rd # 109 – Eagle, ID 83616 – (208) 938-4901
Independent Agents (or Brokers)

Independent agencies do not work for one specific company so they can insure your vehicles with multiple insurance 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 comparing rates, we recommend you include at least one independent agent for the best price selection. Many write coverage with smaller companies who may have lower rates.

Listed below are independent insurance agencies in Eagle that are able to give comparison quotes.

  • Mc Bride’s Insurance – 82 E State St # 8a – Eagle, ID 83616 – (208) 939-7123
  • Eagle Insurance – 404 S Eagle Rd # D – Eagle, ID 83616 – (208) 938-4408

For a full directory of car insurance agents in Eagle, view this link.

After getting answers to your satisfaction to your questions and a good coverage price, it’s possible that you found an auto insurance agent that can properly insure your vehicles.

More effort can pay off

People who switch companies do it for any number of reasons including poor customer service, questionable increases in premium, an unsatisfactory settlement offer or even unfair underwriting practices. No matter why you want to switch, finding a new car insurance company can be easy and end up saving you some money.

We covered some good ideas how to save on car insurance. The key concept to understand is the more companies you get rates for, the better your comparison will be. Consumers could even find that the biggest savings come from a smaller regional carrier.

Lower-priced car insurance can be bought online in addition to many Eagle insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not provide online price quotes and these small insurance companies work with independent agents.

For more information

Even more information is available at the Idaho Department of Insurance website. Idaho consumers can find out industry alerts, learn about specific coverages, read consumer alerts, and download brochures.