CALL FOR QUOTES: 855-637-0994
Do you need cheap auto insurance in Boise, ID? At CheapCarInsuranceinc.com, you can easily find the best insurance rates locally. To get free car insurance quotes from the best providers today, enter your zip code into the quote box on this page.
Did you know that Boise is known as the “City of Trees”? Due to its history of agricultural fertility and amicable climate, the city has a reputation for having a high quality of life multiple years running. Additionally, the success of public and private enterprise has helped to make Boise a major city in the Rocky Mountain region.
Driving legally in Idaho requires that you purchase the following types of insurance:
| Coverage | Requirements | Most Common |
| Liability Bodily Injury | 25,500/50,500 | 105,000/305,000 |
| Liability Property Damage | 15,000 | 50,000 |
| Bodily Injury - Motorist Uninsured | Not required | 30,000/55,000 |
| Not required Coverage | Medical Payments Coverage | 5,000 |
| Collision Coverage | Not required Coverage | 700 Insurance deductible |
| Comprehensive Coverage | Not required Insurance | 300 deductible |
Liability insurance is the only state-mandated requirement, but that doesn’t mean you should necessarily limit yourself to it. In truth, it all depends on what type of vehicle you drive. Newer models will necessitate more coverage, whereas older vehicles are probably fine with less coverage.
Your typical Idaho motorist is probably forking out somewhere in the neighborhood of about $88 per month for their auto policy. However, Boise residents can get a policy for as little as $26/mo* – but only if you act fast.
According to our chart, Liberty Mutual, Nationwide, and Oregon Mutual are offering some of the best rates right now in Boise. Keep in mind, though, that low rates aren’t everything. You should also be looking for a company with a good customer service rating and a solid claims filing process.
Auto insurance carriers evaluate multiple elements when figuring out insurance quotes, including driving violations, accident claims, occupation, miles driven each year, and business use of the vehicle. In addition, premiums differ from provider to provider. To make sure you’re still receiving the most favorable rate, learn more about auto insurance in Idaho here.
Insurance companies take many elements into account when crafting an auto insurance policy. Regrettably, a great number of variables are confusing or impossible to change, such as your driving experience or the make/model of your car. Other elements your car insurance company may consider include:
Your auto insurance rates may differ depending on where you call home. In general, highly populated cities have higher auto insurance rates because the extra amount of drivers on the road increases the likelihood of an accident! The population of Boise is 214,237 and the median household income is $47,847.
Sometimes, your insurance rate is altered by elements which are beyond your control. The rate of accidents in your area is one such factor. The chart below shows the most recent statistical data available for Boise. If you think accident rates are inflating your monthly premiums, as your provider if they offer any safe driver discounts.
Even in small cities or rural towns, auto theft can still be a problem. In order to make it less of a problem for you, think about installing a passive anti-theft system on your car. Then, think about whether it would be worth it to add Comprehensive coverage to your auto policy. Your auto insurance company may reward you with lower rates! In Boise, there were 213 Car Thieving in 2013.
Your credit score is a much bigger factor than most drivers realize when it comes to calculating your rates. In the chart below, you can see that some companies will double – or even triple – your monthly premium based on a poor credit score.
If you’re young, then you’re probably already aware of how much more your insurance costs than it does for older adults. Insurance companies believe, based on their data, that younger drivers with less experience are more likely to cause accidents, and charge them more because of it. But there are Good Student and Driver’s Ed discounts available to you.
Have you heard of “Accident Forgiveness”? It’s a relatively new type of discount which more providers are beginning to adopt. Essentially, if you have a mild infraction on your driving record, like a minor accident or a speeding ticket, your insurer won’t factor that incident in when calculating your premiums. It’s a great way for a less-than-perfect driver to save money.
If you’re going to spend a lot of money on a luxury car, then you’re going to want to make sure it’s protected, right? Then you’re going to have to purchase a wider breadth of coverage options (and in higher amounts, also). That’s why, as you can see in the chart below, it costs so much more to insure a luxury vehicle.
These minor elements below may also influence what you pay each month in premiums:
If you’re a newlywed, then you might not have heard about bundling discounts yet. Some Automobile insurance companies will charge you substantially lower rates if you and your spouse bundle your auto policies together. Of course, this means they have to be bundled with the same provider.
If one gender is better at driving than the other, then it makes sense that they should get charged less for insurance, right? Well, it appears as though there is no major difference between male and female drivers, according to most insurance companies. The majority of providers charge males and females the same rate, if all other elements are equal.
For the average worker, the daily commute might last between 15-19 minutes. The vast majority of motorists drive to work in their own car, while anywhere from 5-17% carpool with their co-workers.
Reducing your overall yearly mileage can help you spend less money on gas, and might even reduce the cost of maintenance on your vehicle. Regrettably, it won’t save you more than a few dollars per month on your insurance premiums. But registering it for personal use will, because business vehicles cost 11% more to insure on average.
Do you know what your deductible is, or would you have to look it up to know for sure? Because if your deductible is low, you can save a good deal of money each month by raising it. Either that, or you could add coverage to your policy and still pay around the same amount you’re forking out now.
A large number of drivers in Boise have either earned a bachelor’s degree, or they’re on their way to obtaining one. To a lesser degree, many motorists have high school diplomas. If you are one of these highly educated drivers, you could get offered a lower rate on your next car insurance premium! It works even better for discounts than having a special job, or getting paid a high salary.
The city of Boise is home to the biggest university of the state, Boise State University. Nearly 20,000 students strive for close to 200 different degrees each year. The school’s technology center also has a public/private partnership to help train and place students in related careers. For those who wish to pursue a private option, especially a religious one, there is the Boise Bible College or Northwest Nazarene University.
Determining your individual financial risk can be very confusing or impossible for the typical insurance shopper. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge. Learn what insurance companies don’t want you to know.
Sources:
Department of Highway Safety and Motor Vehicles
These Companies Offer Lowest Rates on Auto Insurance in Boise, ID – Act Now