Category: Auto Insurance

Cheap Car Insurance Rates in Rathdrum, ID

Posted on by AgentInsure

When shopping around for cheap car insurance rates in Rathdrum, ID, you can save a lot of time by working directly with a local, independent agent. A local agent will be familiar with Idaho’s state laws regarding auto insurance, and, as an independent agent, they will be able to quickly compare different insurers’ policies for you.

Knowing Insurance Laws

All drivers in Idaho are required to have the state minimum levels of auto insurance, but these may not be enough. Unlike an online quote, a local agent will be able to work with you directly and tailor your policy to your personal situation. The state minimums may be enough, or it may prove wise to purchase a higher level of protection.

Sometimes other questions crop up when shopping around for coverage. If you recently moved to the state, the options may not be identical to those that you had in your previous state. A local agent will be able to explain why the policies you see in Idaho vary slightly from your previous state’s policies.

Shopping Multiple Companies

Not only should your auto insurance agent be a local member of the community, but they should also be an independent agent. Independent agents do not work for any one auto insurance company, so they can compare quotes from all the insurers to find you the cheapest policy available.

Contact Us Today

If you are in the market for a new auto insurance policy, or if you just want to see how your current one compares, contact us today. We are licensed agents in the state of Idaho, members of the Rathdrum community and work independently. We would be glad to answer any questions you have and find you a new car insurance policy.

Auto Insurance Coverage in Hayden, ID

Posted on by AgentInsure

Each state has their own minimum levels of auto insurance that drivers are required to maintain. Many drivers in Idaho, however, find that the state minimums do not provide them with all of the protection they would like. If you are concerned that the state minimums might leave you unprotected, consider talking with one of our local agents to review your specific situation.

Select Your Level of Coverage Wisely

You should not select a level of coverage simply because it is the bare minimum, and therefore is the cheapest. Nor should you pick the highest level of coverage, simply because it provides the greatest protection. Coverage should be selected only after reviewing the assets you own and the amount of risk you are willing to assume. Only once these have been considered can you wisely choose the coverage that is best for you.

Work with a Local Agent

Our agents can help you assess your personal level of risk and determine what level of coverage you are comfortable with. They will review the value of all your possessions, since everything you own may be jeopardized in a lawsuit. They will also go over various scenarios where you might be held responsible, so you can understand when each type of coverage comes into play. Because they live and work in Hayden, ID, they can go over real-life scenarios that might happen to you.

To make sure you have an appropriate level of auto insurance coverage, call one of our agents today. It may take more than 15 minutes, but they will take an in-depth look at your situation and help you choose what is best for you. It is not always about saving a few dimes on premiums; sometimes making sure you can sleep well at night knowing you are protected is more important.

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