East Coast Auto Insurance offers top rated auto insurance companies from Allstate to Geico and Progressive and 21st Century. We will help you find suitable coverage no matter what your driving history is. Call us now at 888-206-0565 for immediate assistance.
To legally own and operate a motor vehicle in the state of Idaho you must either purchase liability insurance or register an indemnity bond with the Department of Insurance. The bond guarantees you will pay the sum of $50,000 per accident ($15,000 property included), within 30 days, should you be legally found to be at fault.
Should you decide to purchase liability insurance the states’ minimum limits are:
- $25,000 bodily injury per person, per accident
- $50,000 bodily injury for two or more people, per accident
- $15,000 property damage
Can Idaho Auto Insurance Companies use Personal Credit to set Rates?
In the state of Idaho, auto insurers are permitted to use Personal Credit History to help determine which products they will offer as well as rates. Your Personal Credit History may also be used to determine whether you will be making monthly or quarterly payments or if you will be required to pay the entire premium upfront. Personal Credit History is also used to create an “insurance risk score.” This score also helps determine your auto insurance rates. In order to enjoy a lower insurance premium, pay your bills on time in an effort to improve your score. This will also help improve your credit score so that in the long run, you can save money on your car insurance premium.
Is the state a No Fault or Tort state?
The state of Idaho follows a Tort System. What this means is, if you are involved in an accident, someone must be found to be the cause or fault of the accident. The person deemed at fault is responsible for all damages. Damages are usually handled through the at-fault person’s insurance company. Because Idaho is a Tort state, most insurance companies recommend that driver’s consider carrying higher coverages than the state minimums.
What is the average auto insurance premium in this state? As of what year?
As of 2006, Idaho resident’s average insurance premium was approximately $577, the 48th most expensive in the nation. This was down 1.4% from the previous year. The national average was $817.
What are the Rental Car Insurance Requirements?
In the state of Idaho, anyone who operates a motorized vehicle on Idaho roadways, whether the vehicle is registered or not, must have liability auto insurance. Idaho car rental insurance companies are required to offer the minimum liability coverages required by law. Minimum liability coverages are: 25,000 for injury or death of one person, $50,000 for injury or death to two or more people, and $15,000 for property damage. If you purchase car rental insurance from the car rental company, it will cost an extra $7-$14 a day. It is important to keep in mind that most Idaho auto insurance policies include car rentals. Most credit cards cover car rentals as well, so be sure to check your policy and/or check with your credit card issuer.
Rest assured that we at East Coast Auto strive to insure that you, your family and your assets are fully insured at the best rates available. We review each application on an individual basis and recommend limits accordingly.
Call now for immediate assistance 888-206-0565
Following are just some of the top rates insurance companies we quote with:
- 21st Century
- AAA
- Allstate
- American Family
- Farmers
- Geico
- Liberty Mutual
- Progressive
- State Farm
- Travelers