Affordable Car Insurance Auto Insurance in Idaho - Compare Rates

The safest risk is the one you don't take. But when it comes to driving this is not possible for you and me. So a better option is to get auto insurance. The State of Idaho requires you to buy the mandatory coverage which is the bare minimum that you must purchase in order to drive legally in the State.

Idaho Mandatory Coverages

Bodily Injury Liability

This coverage will pay for the injuries that you caused to others. It will also cover any legal expenses if a victim decides to sue you.

The minimum coverage that you require is $25,000 for bodily injury or death of one person up to the maximum of $ 50,000 for an accident.

Property Damage Liability

This coverage will cover the damages that you cause to property and possession of others. It can be used to pay repairs and replacement cost of the damaged car.

The limit for this coverage is $15,000.

Uninsured/Underinsured Motorist

According to the State rules, no insurance policy will be delivered unless this coverage is provided within required limits. The coverage is useful when you suffer bodily injuries due to a driver who has inadequate insurance or has absolutely no insurance.

If you want to reject this coverage, then you can do so by expressly rejecting it in writing.

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Optional Coverages

Medical Payments Coverage

The coverage pays for medical and funeral expenses that you or your passengers may incur in an accident. It will provide you coverage irrespective of the fact whether you caused the accident or not.

Collision Coverage

This coverage pays for the damages if your car collides with another car or any other object. The collision coverage considers the value of your car as the base for calculating premium. If the replacement cost of your vehicle is far less than the repairs costs then there is no point in buying this coverage.

Comprehensive Coverage

This coverage pays for damage to your car from almost all causes other than a collision, such as fire, vandalism, water, hail, theft, impact due to animal, glass breakage, wind and falling objects.

Both the Collision and Comprehensive are expensive coverages but you can tackle them by going for higher deductibles. Deductible is the amount that you have to pay out of your own pocket before you can claim anything from the insurer. Higher deductibles means the insurer doesn't have to step in for every small claim, so obviously your insurance rates would go down.

Shopping for insurance is like shopping for any other thing. You must know what your needs are, compare several products in the market and then buy the one which suits you the best.

So when you decide to buy insurance, first understand what your needs are because you don't want to be inadequately covered nor you want unnecessary insurance. Using the internet for comparison will save you a lot of time.

While short listing insurance companies also consider their financial stability as well as their claims-paying ability. Keep in mind that price is not the only criteria.

Ask about discounts. You will be amazed to know that insurance companies offer many discounts to attract consumers.

Several discounts include:
>> Good student discount
>> Good driver discount
>> Multiple-policy discount
>> Discount for mature drivers
>> Discounts for installing safety devices

So what are you waiting for, get yourself an affordable auto insurance policy.

All the best for shopping!!

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