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Idaho Car Insurance


Looking around online, you can find many sites saying that they can offer you the lowest car insurance quote. This can be a very tempting offer as everyone is trying to find ways to save money, but before jumping in and applying here are some things you should know.

Idaho requires that drivers carry at least their state minimum in auto insurance. It's usually referred to as 25/50/15 coverage. Broken down that means: Bodily injury liability for $25,000 for an accident with a vehicle that contained one person or $50,000 for an accident with a vehicle that contained more than one person. And property damage liability with a minimum of $15,000 for the accident.

You won't need to invest in personal injury protection or PIP as Idaho goes by the Tort System, which means in an accident someone has to be at fault and whomever is at fault for the accident, their insurance has to pay for everything.

Just because this is the minimum that the state requires, it doesn't mean you can't purchase additional coverage. One tip on keeping your insurance low is to shop around. Comparing and contrasting different options offered by the various providers is another great way to ensure that you're getting the biggest bang for your buck. Compare the state minimum with higher deductibles, add on collision, and so on. See what they all have to offer and then you can really tell if the car insurance quote is a good deal and the lowest deal for you or not.

People often worry about their insurance premiums. In Idaho, the average insurance premium for 2009 is $1469 which isn't far from the national average, $1780. Remember that the more insurance you get the higher your premiums are going to be. Also, your rates are going to be based on a series of factors. Age, gender, martial status, and your driving record all play a big role in the decision process.

You can keep your car insurance quote low by knowing the state requirements, keeping your driving record clean, and having a vehicle that isn't a sports or luxury car. Don't be afraid to ask about discounts! Everything from being a college student to having a clean driving record, to being a senior can help you save a little each month.




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Idaho Car Insurance

Although Boise, Nampa, Idaho Falls, Pocatello, and Meridian are the biggest cities in Idaho cheap car insurance rates vary from city to city and rates in Twin Falls may or may not be different than Coeur d'Alene. Whether you live in Caldwell, Lewiston Orchards, Lewiston or some other city in Idaho take 5 minutes and get free Car Insurance quotes now. If you are looking for additional ways to save take a look at our resources for finding Cheap Car Insurance in Idaho.


 

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