Finding the right Idaho auto insurance can be challenging — especially in today's market. And with hectic work schedules, who has the time to sit and compare products and prices?
InsureMe is here to lighten the load. By entering your information to the right, we will provide you with up to five free quotes on Idaho auto insurance. By doing the shopping for you, we can save you both time and money.
What kind of coverage is required for Idaho auto insurance?
Idaho motorists are required to carry liability coverage. The minimum requirements for liability coverage are $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $15,000 for property damage per accident.
Remember that these are the minimum requirements set by the State of Idaho and may not cover all the damages for which you are liable after an accident. It is for this reason that you may want to consider higher amounts of liability coverage with your Idaho auto insurance.
What other kinds of coverage are available?
Your Idaho auto insurance agent is required by law to offer you coverage against uninsured and underinsured motorists. You may reject this coverage, but you must do so in writing.
Since liability coverage does not pay for damage to your car, you may want to consider adding collision and comprehensive coverage to your Idaho auto insurance.
Collision coverage will pay for damage to your automobile resulting from a crash with another automobile or other object. Conversely, comprehensive coverage will pay for damage to your automobile if it is damaged by anything but a collision. For instance, comprehensive coverage would pay for damage caused by fire, water, hail or vandalism.
It is up to you to decide the appropriate coverage for your automobile. Remember that these optional policies may be added to your Idaho auto insurance later if you so choose.
What if I can't find Idaho auto insurance?
If you have been turned down for Idaho auto insurance due to your claim history or other high-risk violations, you may be eligible for coverage though the Idaho Auto Insurance Plan.
The Idaho Auto Insurance Plan is considered to be "high-risk" insurance and should only be purchased as a last resort due to its steep premiums.
Can my Idaho auto insurance be cancelled?
According to the Idaho Department of Insurance, your Idaho auto insurance can be cancelled for:
If your Idaho auto insurance is cancelled for these reasons, it will be difficult to get insured with another Idaho auto insurance company, and your only alternative may be to purchase high-risk insurance through the Idaho Auto Insurance Plan.
What if I still have questions about Idaho auto insurance?
You may direct any questions to the Consumer Hotline at the Idaho Department of Insurance at (800) 721-3272.
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