Want to know where the best rates are for auto insurance in Boise ID? We can help you find them.
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A few minutes later you can compare quotes from top providers specifically for your area. Then you can pick the policy that will work best for you where you live in the Boise area.
In Idaho the amount of state minimum auto insurance coverage every driver is required to have is 25/50/15. This means you need up to $50,000 in personal injury protection for an entire claim and a $25,000 limit per individual. The last number is the most commonly used in a claim and it is for $15,000 in property damage coverage. Just remember that while liability coverage is the lowest cost auto insurance in Idaho it is in place to protect other drivers against damages you are found at fault for. But it doesn't apply to any damages to your vehicle so you may want to include added protection such as collision coverage.
- Get quotes from several companies to compare rates and coverage.
- Do some research first to decide which coverages you want and need.
- Be sure to check for all available discounts.
- For each company, check reviews concerning claims and customer service issues.
- Shop around regularly to insure you take advantage of current low rates. You will have the unused balance of any policy refunded to you if you change insurers.
Insurance companies are allowed to use various factors in determining what rate each consumer will pay for his or her auto insurance coverage.
Here is a partial list of those factors:
Age - Persons under a certain age, usually 25, and persons over a certain age, somewhere around 70, pose a greater risk for accidents. Therefore, certain age groups are charged higher premiums.
Credit Record - A person's past record of paying bills is an indication of how they may pay future bills, as well. In most states, an insurance company is allowed to consider that record in determining rates.
Type of Car - Sporty cars are more costly to replace than a family-type car, so the style of vehicle you choose can elevate your insurance premium.
Residence Address - Where a vehicle is regularly parked/housed can affect premiums, especially if in an area of high theft.
Driving Record - Any "at-fault" accidents or traffic violations within the last 3 years will most likely make rates higher.
Be sure to answer each question honestly when applying for automobile insurance. It is illegal to supply fraudulent information on an auto insurance application.
If there are any traffic tickets or accidents during the time frame mentioned, be sure to divulge that on the application.
Remain calm and call the police. Do not try to discuss the causes with the other driver.
Get the names and contact information of any witnesses. This can prove invaluable if there is any dispute in the future.
Take photos of the positions of the vehicles and any damage on any of the vehicles. Cell phones make this easily possible.
Get the other driver(s)' info, such as name, address, drivers license number, insurance company & policy number, tag number, etc.
Contact your insurance company right away to report the accident.
Every policyholder should periodically get quotes from other companies to determine if another company would be a better choice.
Use the box provided above to input your zip code, and we will help you make that determination.
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