At an average cost of $564 a year, Idaho auto insurance is some of the least expensive in the nation. In fact, according to the National Association of Insurance Commissioners, of the 50 states and the District of Columbia, Idaho auto insurance rates rank as the fifth least expensive behind only North Dakota, Iowa, South Dakota, and Nebraska. This, of course, is great news for Gem State drivers, but if you want your personal auto insurance policy to be as inexpensive as possible, you can't just pick a provider at random and expect them to offer you the best rate around. There are several things to think about when shopping for Idaho auto insurance; quotes are one of these. Here's why getting Idaho insurance quotes is the first step in finding the best coverage for the least amount of money.
What Are Quotes, and How Are They Determined?
An insurance quote is basically a very informed estimate of how much an insurance policy will cost a particular person in a particular situation. In Idaho, auto insurance providers are happy to give prospective customers free quotes in hopes of getting more business. Of course, one driver's quote can be very different from the next, and one provider's quote can be very different from the next provider's, even if they are estimating the rates of the exact same person driving the exact same vehicle. This is because different insurance companies view the relative risks associated with individual policies differently.
Typically, an insurance provider will take many factors into account when calculating a quote, including but not limited to: the make, model, and year of the vehicle, the area in which it is garaged, the age (and sometimes sex) of the driver, the number of miles the driver is likely to put on the vehicle in one year, and the driving record and credit history of the driver. Obviously, the amount of coverage you want to purchase and the deductible (the amount you pay out-of-pocket before insurance money chips in) you choose will each play an important role in determining your quote, as well.
How Accurate Are Idaho Auto Insurance Quotes
In most cases, the quotes you get from an insurance provider are extremely close to the rate you would pay if you purchased a policy with them. Idaho auto insurance quotes are only accurate, however, if the insurance company has accurate information to base them on. When applying for a quote, it is in your best interest to be as honest as possible about your driving history, credit rating, living situation, and any other information you are asked for. Because insurance providers will confirm these bits of information before writing the actual policy, any misleading info you give when applying for a quote will only serve to make the quote inaccurate.
How Quotes Save You Money
Though rates are already pretty low in Idaho, auto insurance quotes are still able to save some drivers big bucks by identifying the least expensive provider. While insurance quotes generally show some variation in cost between one company to the next, one or two providers may view your particular situation as far less risky than the others and quote you rates that are much less expensive. In some cases, the difference in quotes can be hundreds of dollars a year.
Today, Idaho auto insurance quotes are easier to get than ever before. NetQuote specializes in getting multiple auto insurance quotes for drivers just like you. Simply fill out a brief form online and relax: NetQuote will do the legwork for you. Once you've got quotes from several providers in your area, you can compare them to each other and to your existing policy rates. This side-by-side comparison will make it easy to find the most affordable company to buy your policy from and, in some cases, could save you hundreds of dollars a year on your car insurance.