If you are looking for low auto insurance rates in ID, start by considering how much coverage you need. It can be tempting to buy a policy based on cost alone. As long as a driver has at least the minimum level of insurance coverage mandated by the state, he or she is “legal.”
Idaho is a tort state for car insurance purposes, which means that one driver must be found legally responsible for an accident. He or she is responsible for paying for damages incurred by the occupants of the other vehicle in the accident for medical bills, lost wages and physical damage to the other vehicle. The at-fault driver also pays for the cost of repairs to public property damaged in the accident, such as mail boxes, guard rails, fences and sign posts.
To get low auto insurance rates in ID, make a point of shopping around for coverage. Rates charged by different insurance providers can vary, even for the same type and level of protection. Getting quotes from several companies can help a consumer find the lowest prices for the type of protection they need.
To get even better rates for ID auto insurance, ask the insurance companies under consideration about the discounts they offer to policyholders. Many companies offer price breaks to customers who insure more than one vehicle or who buy more than one policy. Other ones offer preferred pricing to customers who buy their policies online.