When you begin shopping for Coeur d'Alene insurance for your home or your automobile, you may think that the task is going to be as difficult as completing the Idaho city's annual Ironman triathlon. But getting insurance quotes in Coeur d'Alene will take a lot less time--and will be a whole lot easier--than swimming 2.4 miles, taking a 112-mile bike ride and competing a 26.2 mile run.
Good News on Insurance Costs in Coeur d'Alene
Residents of the Lake City are in luck when it comes to paying premiums for Coeur d'Alene insurance. The Insurance Information Institute has identified Idaho as the least expensive state when it comes to the average cost of a homeowner's insurance policy. The average cost of a typical homeowner's policy in Idaho is just $422, compared to an average of $1,534 paid by a homeowner in Florida, the most expensive state.
Coeur d'Alene insurance quotes for automobiles are also among the lowest in the nation. The National Association for Insurance Commissioners reports that Idaho has the fifth lowest annual premium costs for automotive liability coverage, averaging about $564. That means Idaho auto insurance premiums are about half the $1,100 premiums paid by New Jersey and Washington D.C. drivers.
More Ways to Save
There are several variables that will determine the actual cost of your insurance for your home or automobile. Some savings aren't difficult to find. You can reduce your homeowner's premiums by as much as 25 percent just by increasing your policy's deductible to $500 or even $1,000. But you may also qualify for premium discounts if you have a security alarm system or even deadbolts on your door.
For an automobile policy, the best way to save money on your Coeur d'Alene insurance quotes is to maintain a clean driving record. Drivers with no accidents and few or no speeding tickets will pay lower premiums than drivers of the same age and sex who have no traffic violations. You can also ask if an insurer provides discounts for safety features like side airbags, or for insuring multiple vehicles and/or your home as well as your car.
The rates for Coeur d'Alene insurance for automobiles are also determined by the type of car you buy. Although it may not be as exciting to drive a four-door sedan as a sports car, you may find that the savings on premiums is enough to keep you happy with a more sedate vehicle.
Try the Easy Way
With a beautiful lake in the midst of the city, residents of Coeur d'Alene have their choice of a wide variety of water sports, including swimming, boating, water skiing and parasailing. They have a similar range of options when it comes to finding Coeur d'Alene insurance quotes. There are many insurance agencies in the city and the surrounding area that would be glad to provide information about policies and premium costs. Another approach--one that could leave you more time for enjoying the water--is to use an online insurance quote site. Netquote.com, for example, provides quotes from five top insurers when you fill out a single form. Using the online option for finding the right Idaho insurance policy will ensure that your search doesn't become a test of your endurance.