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Idaho Car Insurance

Did you know that Idaho is the only state named as a result of a hoax? It is known as the Idahoax statewide. Although a mystery and a bit of urban legend, what is true is that Idaho has some of the lowest auto insurance premiums in the nation. Idaho (ID) is composed of highly outdoors-oriented communities that allow its residents to explore all the Gem State has to offer. Having access to the country's oldest ski resorts, sports and recreational activities are an important part of being an Idahoan. Getting to the popular spots to whitewater raft, kayak or go hiking at Hell's Canyon or explore the Salmon River require transportation - insured transportation and financial responsibility. So if drivers want to go see the Broncos all blue terrain field at Boise State University, they will have to make sure their vehicle is insured to avoid fines and/or penalties.

Since the state of Idaho is known for its cars both on the road and off the road, car insurance for off-highway motorbikes and all-terrain vehicles can quickly be found online as well. Idaho car insurance quotes are easy to find online and a representative can help explain and create a plan that meets all your needs. So if you take the SUV to Alturas Lake in Ketchum, ID and then hop on your ATV, both will be covered thanks to your online Idaho car insurance shopping. Residents generally pay auto insurance premiums in Idaho that are cheaper than 47 other states. Using the internet to browse car insurance quotes allows drivers to find Idaho car insurance coverage that allows you to have spending money to get you to Riggins, ID, the state's whitewater capital. This is the same for residents in the state's capital of Boise all the way to the smaller towns including American Falls or New Meadow.

Shopping for Auto Insurance in Idaho

When shopping for auto coverage, keep in mind to start before your existing auto coverage ends, which is typically at least one to two months to give you plenty of time to find the auto coverage that not only fits your needs but your budget as well. Not having the appropriate amount of auto coverage can result in a $75 for the first offense and can eventually lead to a misdemeanor charge for subsequent conviction with a result of a $1,000 fine or being jailed for up to six months. You can avoid those penalties by using this website. Shopping for Idaho car insurance quotes online is fast, quick and easy as it allows you to look at more than one car insurance company at a time for Idaho. Different car insurance companies provide different rates, so comparing car insurance prices can help you save big.

When you receive your Idaho car insurance quote online the car insurance agent will generate auto coverage that is standard for the state. Like most states, Idaho requires all drivers to have car insurance for bodily injury and property damage liability. This basic auto coverage is referred to as 25/50/15 coverage. The 25/50/15 stands for a $25,000 limit for bodily injury liability per injured person, up to a total of $50,000 per accident, and a $15,000 limit for property damage liability. Bodily injury auto coverage typically is under the umbrella of liability auto coverage. It shelters you from financial responsibility when you, the driver, have been found to be at fault for the accident. Idahoans are held to a Tort system meaning someone must be found to be at fault for causing the accident, and in turn, that person and his or her car insurance company will be responsible for all damages accrued from the accident. Property damage liability covers expenses of damages to property including fences, houses and so forth.

Average Idaho Car Insurance Premiums

In 2004, auto insurance premiums for people in Idaho averaged $589.82, a slight increase from $585.90 in the prior year. Liability coverage averaged 340.32, collision averaged $238.77 and comprehensive averaged $139.78 for 2004. This is part of a larger trend for cheaper than the national average for car insurance premiums in Idaho. In 2000, the average was $505.16 and in 2001, it was $523.38.

There are two types of auto coverage under physical damage coverage that a driver can consider - collision and comprehensive. Collision handles damage and loss related to your vehicle from collision with other vehicles, stationary objects and even road obstructions. Comprehensive coverage extends further into protecting your vehicle as a result of something other than an automobile accident. This type of physical damage car insurance can cover your auto in the event of a flood, fire, theft or even vandalism. Easily and quickly, you can create the type of auto coverage that fits your needs while shopping online. However, with additional auto coverage come additional costs.

Auto coverage for uninsured/underinsured motorist bodily injury coverage is not required by state law, but is recommended to further protect the driver. Additional auto coverage can also include rental coverage, towing expenses and loss of work or income. While adding auto coverage to your plan increases your car insurance quote, it can help avoid financial problems in case of an accident where legal action is taken or an uninsured driver is involved.

Things outside of what Idaho car insurance plan a driver chooses can also affect his or her Idaho car insurance premiums. Insurance companies in Idaho factor things into a car insurance quote such as gender, age, location, driving record, and the amount of miles the vehicle is driven. Statistically, more men are involved in car accidents than women are and this can affect a resident in Idaho car insurance premiums. Just as gender affects a rate, age groups are a deciding factor on if a person receives a lower auto insurance premium. Traditionally, teenagers are labeled as higher risk than someone who is in their 40s or 50s who has a clean driving history. Location can also play a role, as the amount of cars increases in bigger cities including Pocatello, Nampa, Idaho Falls and the state's fastest growing city, Meridian, ID. However, for drivers in the state's more rural areas including Blackfoot, Eagle, and Moscow, home to the University of Idaho, the auto insurance premium may be lower.

Using the internet as a tool for your auto insurance needs allows you to use more than just auto premium insurance rates as the deciding factor. You can browse the company's reputation for handling claims, practices and customer accessibility. Keep in mind that each situation is different and while you may need one particular form of auto coverage, you may not be required or in need of another which will help you keep your premium rates down. Finding your Idaho car insurance quote online is the fastest way to find auto coverage that is right for your individual needs to keep you on the road both legally and safely.

So what are you waiting for? Compare cost and coverage details from the Idaho cities of: Boise City, Nampa, Coeur d'Alene, Idaho Falls, Blackfoot, Burley, Lewiston, Moscow, Mountain Home, Pocatello, Rexburg, Twin Falls and more.


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