Idaho state seal

Idaho is a big state with lots of scenic, rural drives. Wide-open spaces, crystal clear lakes, and mountain views are quite the sight to behold when you’re behind the wheel. Unfortunately, Idaho has its share of aggressive drivers, and their risky behavior causes over half the car accidents in Idaho.

But that shouldn’t deter you from driving safely in your home state! Drive defensively, without distraction, and carry the car insurance that suits your needs, and you can avoid the consequences of a costly (and potentially fatal) car accident. Luckily, the average cost of car insurance in Idaho falls well below the national average, and with smart shopping, you can find the best deal on the coverage you need.

The best way to find cheap car insurance in Idaho is to shop regularly and compare as many auto insurance quotes from various companies as possible. Take time to consider all your coverage options before you decide. Comparing rates can be done effectively with the help of the Internet, and there are plenty of ways to save money. Consumers can obtain the prices of premiums online, compare Idaho car insurance quotes, and find the right policies in minutes.

Shopping for Idaho Car Insurance Online

Upon completion and submission of a simple form, the applicant will be provided with multiple rates from car insurance companies who are approved to issue policies in Idaho. The application only requires basic information about the drivers and vehicles to be insured. No personal information such as driver’s license and social security numbers are necessary to obtain quotations.

It is always wise to provide information as accurately as possible when looking to obtain cheap Idaho car insurance since these items can affect the cost of your insurance policy. Some of the major factors that affect the cost of insurance premiums include:

  • Driving history
  • Age and Sex
  • Profession
  • Address and type of residence
  • Credit Score
  • Year, make and model of vehicle
  • Annual mileage
  • Vehicle Safety Rating

If you provide inaccurate information, your quote may vary dramatically from the policy information you see when you complete the transaction, and from the final price you end up paying. Because each insurance company may use your personal information differently, you may get a very different quote from a friend who recommends their insurer.

The final factor that determines your car insurance rates is the amount of coverage you pay for. Basic liability is the cheapest, but raising the limits, lowering the insurance deductibles, and adding additional policies will increase the amount you pay. But that doesn’t mean a bare-bones insurance policy will save you money! If you’re stuck without a car because of an accident, it costs a lot more to buy a new vehicle than it would to pay for additional coverage.

Many drivers are choosing to buy Idaho car insurance online because of the convenience it provides. You can complete the purchase and receive instant proof of insurance with the use of electronic payment and signature. Car insurance quotes are free and require no obligation, and you don’t have to leave the house to compare or purchase them.

Idaho Car Insurance Laws

The ID car insurance laws require that all owners and drivers must purchase and carry “Proof of financial responsibility.” This simply means that motorists must have proof that they have the ability to pay for damages that they are found liable for, up to the stated amount on their policy. This is commonly known as liability coverage, and the minimum limits required are as follows:

  • $25,000 Bodily injury Protection for injury or death to one person
  • $50,000 Bodily Injury Protection for injury or death to two or more people
  • $15,000 Property Damage Liability for the damage of another party’s property

State code also requires that liability coverage be issued in combination with an Uninsured and Underinsured Motorist policy with the same defined bodily injury minimums. This type of policy covers the injuries of the insured if they are involved in a traffic accident with a hit-and-run driver, an uninsured motorist, or someone whose policy limits max out before they’ve covered all the damages.

According to the Idaho Department of Insurance, you have the right to refuse this Uninsured Underinsured Motorist protection, but a rejection must be submitted in writing. Before you reject it or any other coverage options, take the time to assess your financial stability and what a costly car accident would mean for you.

Additional Coverage

Liability policies won’t do anything to help you pay for property damage to your own vehicle, nor will they cover any of your medical bills if you get hurt. Before you choose an insurance provider, you need to consider additional coverage. But if you still owe money on your car, or you’re driving a leased vehicle you will be required to carry comprehensive and collision coverage. You should consider the cost and benefit of adding all of these policies when you’re comparing car insurance quotes.

Collision Coverage: If you’re in an at-fault accident, this policy will cover the cost to fix your vehicle or to replace it if it’s totaled, no matter who is responsible. Collison policies can often replace an underinsured motorist coverage because it will pay the rest of the damages if the at-fault driver’s policies are already maxed out. It will also cover the costs of towing your vehicle and provide you with a rental while you wait for repairs.

Comprehensive coverage: Storms, wildlife, and wildfires are all capable of causing damage to your vehicle. Falling limbs can do a surprising amount of damage to your car, and living in the city increases the risk of vandalism or theft. Comprehensive coverage is useful for events like these that happen beyond your control. With a comprehensive insurance policy, you’ll also be covered if you crash into a moose.

Personal Injury Protection: This policy will help pay medical bills that you or your passengers accrue in a collision, no matter who is at fault. If there are additional medical bills and lost wages that another driver’s bodily injury policy won’t cover, you’ll be protected and won’t have to rely on your own medical insurance.

The Bottom Line

Once you understand what you’re looking at, you’ll know how to compare car insurance quotes. It’s about a lot more than finding the lowest price tag. You need to know your needs and find the best deal on the policies you require. Now that you know what you’re looking for, you can start looking for a car insurance policy immediately. Don’t hesitate, even if you’re already covered. It pays to shop around!