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Written by: David Miller

Reviewed by: Sarah Wilson

5 Ways to Get Cheap Auto Insurance Rates in Idaho

Idaho is a great place to live, work and drive. With so many Idahoans behind the wheel, it's important to make sure you get the best auto insurance rates in Idaho for yourself and your family. To help you save money on your Boise car insurance policy, here are 5 tips to get cheap auto insurance rates in Idaho:

  1. Shop Around - Different insurers offer different rates and discounts, so it pays to do some research before selecting an insurer. Comparing quotes from multiple providers can help you find the best rate available.
  2. Consider Bundling Policies - Many Boise ID insurers offer discounted rates if you bundle multiple policies such as home, life or renters insurance with your car insurance policy. Taking advantage of these discounts can help you get cheaper auto insurance rates.
  3. Increase Your Deductible - Increasing your deductible is one way to lower your monthly premiums. The higher the deductible, the lower the cost of your policy, but be sure to keep it at a level that you can afford in case of an accident or other emergency.
  4. Take Advantage Of Discounts - Idaho insurers offer many different types of discounts. Ask about discount programs for safe drivers, good students, military personnel and others which may help you save money on your car insurance policy.
  5. Ask About Payment Plans - Paying annually instead of monthly can often result in a discounted premium rate; however, some Idaho insurers will also let you pay your policy monthly or quarterly. Ask about payment plans that fit your budget to get the best auto insurance rates in Idaho.

By following these tips, you can save money on car insurance in Boise and have peace of mind knowing that you're properly covered. Be sure to shop around, compare quotes, and take advantage of discounts and payment plans to get the most affordable auto insurance rates for yourself and your family.

5 Unique Auto Insurance Laws in Idaho

Do you live in Boise and need to purchase auto insurance? Idaho has a lot of laws related to vehicle insurance that you'll need to familiarize yourself with. Here are five unique Idaho laws you should know about when selecting the right auto insurance policy for your needs:

  1. Idaho is an at-fault state, which means the driver who caused an accident is responsible for paying any damages that result from it. Because of this, Boise drivers must carry liability coverage limits of at least 25/50/15: $25,000 Bodily Injury Coverage per person, $50,000 Bodily Injury Coverage per incident, and $15,000 Property Damage Coverage per incident.
  2. Idaho requires all drivers to carry uninsured/underinsured motorist coverage with limits of at least 25/50. This is a type of coverage that covers your medical expenses and property damage in the event you're hit by an uninsured or underinsured driver.
  3. Boise drivers can purchase optional Personal Injury Protection (PIP) insurance, which pays for medical expenses regardless of who caused the accident. Idaho's minimum requirement for PIP is $2,000 per person, up to a maximum of $40,000 per incident.
  4. Idaho has a strict set of penalties for driving without valid vehicle insurance: fines up to $1,000 and potential jail time up to six months; license suspension until proof of valid insurance has been presented; and the Idaho Financial Responsibility Law (FR-19) form, which requires you to post a financial bond or obtain additional insurance policy for three years.
  5. Boise drivers can purchase "gap coverage," which pays the difference between what an auto lender is owed and what an insurance company covers after an accident if your car is totaled.

By familiarizing yourself with Idaho's unique auto insurance laws, you can make sure that you have the right kind of coverage to provide protection while on the road. For more information about Idaho's insurance requirements, be sure to speak with your local agent or visit Idaho's Department of Insurance website.


7 Companies That Offer Mechanical Breakdown Insurance in Idaho

Mechanical breakdown insurance is a type of coverage that provides financial protection from the high costs of unexpected car repairs. These policies are available to Boise ID drivers who want extra peace of mind when their cars break down. Here are seven companies that offer mechanical breakdown insurance in Idaho:

  1. Farmers Insurance Group - This insurer offers Idaho residents thorough mechanical breakdown coverage with a variety of plan options, as well as 24/7 emergency roadside assistance and rental car reimbursements.
  2. Allstate Insurance Company - Idaho customers can protect their vehicles against costly repair bills with Allstate's Powertrain Plus Plan, which supports all major vehicle systems and also includes benefits like towing and lockout services.
  3. State Farm Mutual Automobile Insurance Company - Boise drivers can enjoy coverage for parts, labor, and taxes with State Farm's mechanical breakdown insurance plan. This policy also offers rental car reimbursement, emergency roadside assistance, and 24-hour claim service.
  4. Idaho National Insurance - Idaho National offers Idaho customers a wide range of mechanical breakdown packages that provide protection against most major repairs. Additionally, they offer up to $100 in emergency roadside assistance per incident.
  5. Liberty Mutual Group - Boise drivers can get mechanical breakdown coverage from Liberty Mutual with plans that cover engines, transmissions and other vehicle systems from unexpected damage or failure. This policy also includes lockout services as well as trip interruption benefits for travelers.
  6. GEICO - Boise drivers enrolled in GEICO's mechanical breakdown insurance program can get coverage for parts, labor and taxes on eligible repairs, as well as 24/7 roadside assistance and rental car reimbursements.
  7. Idaho Select Insurance - Idaho Select offers Boise drivers a range of mechanical breakdown plans that provide protection against most major car repairs. This policy also includes towing services, key replacement, and trip interruption benefits.

It may help your shopping experience to compare the rates of other cities by zip code such as 34134, 12601, 95202, 93030, 30901, 18503, 83702, 95350, 34741, and 44502.

Cheap Car Insurance Boise ID

4 Reasons for Getting Temporary Car Insurance in Idaho

Idaho is one of the few states that offer temporary car insurance to Boise drivers. This type of coverage can provide a great deal of protection for Boise drivers when they need it most. From taking care of unexpected repairs to providing financial protection in the event of an accident, here are four reasons why Boise ID drivers should consider getting temporary car insurance:

  1. You Are Renting A Vehicle: Temporary car insurance is often required by rental companies if you are planning on renting a vehicle in Idaho. It protects you from having to pay out-of-pocket expenses if there is damage to the vehicle during your rental period.
  2. You Don't Drive Often: If you don't drive your own personal vehicle very often, then temporary car insurance can be an affordable way to ensure you have the coverage you need when you do.
  3. You're Travelling: Idaho is a great place to explore, but it's important to make sure that you are protected in case of an accident or other unexpected event while on the road. Temporary car insurance typically provides more comprehensive coverage than basic liability policies and can provide valuable financial protection if needed.
  4. You Are A New Driver: If you are new to Idaho or just getting your first license, temporary car insurance can provide peace of mind until you find a permanent policy that meets your needs. The added protection and flexibility of temporary insurance is ideal for first-time Idaho drivers who want to be extra cautious on the road.

No matter your situation, Boise drivers should consider getting temporary car insurance to ensure they have the right coverage at the right time. Whether you are renting a vehicle, travelling, or just learning the Idaho roads, temporary car insurance can provide an extra layer of protection.

Rental Car Insurance vs Rental Car Reimbursement in Idaho

In Boise, it is important to know the differences between rental car insurance and rental car reimbursement should you be involved in an automobile accident. Rental car insurance is an optional coverage that can be purchased from your auto insurance provider when shopping for a policy or added at any time after the policy is already in effect. This type of coverage will pay for the cost of renting a vehicle if yours has been damaged due to a covered loss such as vandalism, theft, fire, or collision. It will also cover additional costs such as taxes and fees associated with renting the vehicle.

Rental car reimbursement is another option for Boise Idaho drivers who have been involved in an auto accident. This type of coverage is not available through your auto insurance provider but can be added as an endorsement to your policy. This coverage will reimburse you for the cost of renting a vehicle while yours is being repaired due to a covered loss such as vandalism, theft, fire, or collision. It does not cover additional costs such as taxes and fees associated with renting the vehicle.

Cheap Car Insurance Boise ID

10 Worst Used Cars to Buy in Idaho

  1. Chevrolet Cavalier: This car from the early 2000s has seen its fair share of Idaho roads, and that's why it makes this list. The Cavalier is known for its weak engine and unreliable transmission, making it a poor choice for Boise Idaho drivers who need a dependable vehicle.
  2. Ford Taurus: Another relic from the early 2000s, the Ford Taurus was once one of the most popular cars in Idaho. However, over time they have become prone to mechanical problems and may not be worth your money if you're looking for a reliable car in Idaho.
  3. Dodge Neon: This economy car is another used car that Boise drivers should avoid purchasing due to its average reliability rating. The Neon is prone to transmission problems, as well as electrical and engine issues, making it a poor choice for Boise drivers.
  4. Volkswagen Jetta: This German car has been on Idaho roads since the late 1990s, but that doesn't mean it's reliable. The Jetta is known for its frequent mechanical issues, from faulty brakes to leaking oil seals. As such, Boise drivers should be cautious when considering this used car.
  5. Saturn Vue: Another small SUV popular in Idaho and across the US during the early 2000s, the Saturn Vue has some serious reliability problems that make it a bad investment for Boise drivers looking for an affordable car. From transmission failures to suspension problems, this used car should be avoided.
  6. Subaru Impreza: This Japanese car has been on Idaho roads since the late 1990s, but that doesn't mean it's reliable. The Impreza is well-known for its faulty transmission and engine problems, making them a poor choice if you're looking for a used car in Idaho.
  7. Honda Civic: While Honda Civics are known to be some of the most reliable cars available, older models can still be unreliable due to age. Idaho drivers should avoid purchasing used Civics from before 2000 if they want a dependable vehicle for Idaho roads.
  8. Nissan Altima: This mid-size sedan was popular in Idaho during the early 2000s and is still seen on Idaho roads today. However, the Altima is known for its poor reliability, as it's prone to transmission and electrical problems that can cost Boise Idaho drivers a lot of money in repairs.
  9. Jeep Grand Cherokee: This SUV was popular in Idaho during the 1990s and 2000s, but their reliability has since been called into question. The Jeep Grand Cherokee is known for its faulty brakes and transmission issues, making them a bad choice if you're looking for a used car in Idaho.
  10. Chevrolet Lumina: The Lumina was once one of the most common cars on Idaho roads during the late 1990s and early 2000s, but it doesn't make for a wise investment when buying used. This car is known for its frequent mechanical problems, from faulty brakes to transmission issues. Idaho drivers should avoid this used car if they want a reliable vehicle.

10 Best New Cars to Lease in Idaho

Idaho is an ideal place to shop for a new car - and leasing can be a great way to get into the newest model at a lower cost. Whether you're looking for luxury, performance, or something more practical, there are plenty of options when it comes to finding the best cars to lease in Idaho. Here are 10 of the top contenders:

  1. BMW 5 Series - With its luxurious features and powerful engine options, this popular sedan will turn heads anywhere you go.
  2. Chevrolet Silverado - For those who need something with serious hauling capacity and offroad capabilities, the Silverado delivers.
  3. Porsche 911 - For speed and style combined in one sleek package, few vehicles can compete with this legendary sports car.
  4. Tesla Model S - For electric vehicle fans, the Tesla Model S is a great choice that offers plenty of range and performance in Idaho's wide open spaces.
  5. Lexus RX 350 - Offering luxury features at an affordable price, this SUV has been a fan favorite for years.
  6. Honda Accord - Reliable, spacious, and affordable - the Accord is an excellent family sedan option for Boise drivers.
  7. Chevrolet Camaro - This muscle car packs plenty of power under the hood and looks great doing it too!
  8. Nissan Rogue - If you're looking for something practical but still stylish, the Nissan Rogue is a top contender in Idaho's SUV market.
  9. Dodge Charger - This iconic muscle car has been modified and updated over the years, but its spirit remains unmistakable.
  10. Ford Mustang - Last but not least, the Mustang continues to reign supreme as one of Idaho's best-loved cars.

10 Most Popular Hybrid Vehicles in Idaho

Idaho is known for its pristine landscapes and open roads, making it a great place to experience the power of hybrid vehicles. As the popularity of these eco-friendly cars continues to grow, Idahoans have more options than ever before when choosing their next vehicle. Here are 10 of the most popular hybrid vehicles in Idaho:

  1. Toyota Prius: The iconic four-door sedan is a favorite among Idahoans for its fuel efficiency and low emissions. It comes equipped with advanced safety features such as an Intelligent Parking Assist system and lane departure alert.
  2. Chevrolet Volt: This stylish five-door hatchback has earned rave reviews from Boise Idaho drivers for its all-electric range and strong acceleration. With up to 53 miles per gallon, it's also one of the most fuel-efficient hybrids on the market.
  3. Honda Insight: Idahoans looking for a reliable and affordable hybrid will love this compact five-door hatchback, which gets up to 55 miles per gallon in city driving. It also boasts plenty of tech features, such as Apple CarPlay and Android Auto compatibility.
  4. Toyota Corolla Hybrid: This four-door sedan is perfect for Idaho commuters thanks to its comfortable interior and spacious trunk space. The Corolla Hybrid gets up to an impressive 52 miles per gallon on the highway, making it an excellent choice for anyone looking to save money at the pump.
  5. Lexus ES 300h: Idaho's luxury car buyers have embraced this hybrid sedan, which features a smooth and quiet ride. It offers plenty of features, including a traffic sign recognition system and automated emergency braking.
  6. Ford Fusion Energi: Boise drivers love this plug-in hybrid for its upscale interior and impressive driving range. The Energi can travel up to 22 miles on electricity alone, making it an environmentally friendly option that won't break the bank at the pump.
  7. Kia Niro: This five-door crossover is popular among Idaho families thanks to its roomy cabin and versatile cargo area. With its efficient powertrain, the Niro gets up to 50 miles per gallon on the highway, making it one of Idaho's most fuel-efficient hybrids.
  8. Hyundai Ioniq Hybrid: Idahoans value this compact five-door hatchback for its impressive fuel economy and comfortable ride. The Ioniq Hybrid comes equipped with a range of tech features, such as adaptive cruise control and lane keep assist, making it an ideal option for Idaho commuters.
  9. Subaru Crosstrek Hybrid: This all-wheel drive crossover is the perfect choice for Idaho's off-roaders thanks to its rugged capability and low emissions rating. It also comes with plenty of interior cargo space and up to 35 miles per gallon on the highway.
  10. BMW i3: Idaho luxury car buyers appreciate this electric four-door hatchback's unique style and powerful performance. The i3 can travel up to 153 miles on a single charge, making it an excellent choice for Idahoans who want to go green without sacrificing power.

Cheap Car Insurance Boise ID

Top 5 Car Rental Apps in Idaho

Boise is a great place to visit, but before you start your adventure, you may want to think about renting a car. To make things easier, we've put together the top 5 car rental apps in Idaho.

Top 4 Road Trips in Idaho

Idaho is a great place for road trips. With its stunning mountain scenery, unique attractions, and fantastic camping sites, Idaho is a wonderful destination for travelers seeking an adventure. Here are some of the best road trips to take in Idaho:

  1. Lewis & Clark Trail - The Lewis & Clark Trail takes you through historic sites and scenic routes between Idaho's northern border with Montana and the Palouse region along Idaho's southern border with Washington State. Along the way, you can explore the history and culture of Idaho's Native American tribes as well as visit some of Idaho's most beautiful national parks, like Yellowstone National Park.
  2. Snake River Valley - Take a trip down Idaho's Snake River Valley and be enchanted by the natural beauty of Idaho's countryside. Along the way, you can explore Idaho's wine country, visit historic sites, fish in Idaho's plentiful rivers and lakes, or just take in the stunning Idaho scenery.
  3. Sawtooth Scenic Byway - This scenic drive takes travelers from Idaho Falls to Ketchum along one of Idaho's most beautiful mountain highways, offering incredible views of some of Idaho's tallest peaks—the Sawtooths and White Clouds.
  4. Nez Perce Trail - Explore some of Idaho and Missouri's largest wilderness areas on this road trip through the states' northern regions. Along the way, you can enjoy Idaho's beautiful landscapes, take in the historical sites of Idaho and Montana's Nez Perce tribe, and explore Idaho's national parks.

These are just a few of Idaho's top road trips—there is much more to explore in this great state! So if you're looking for an adventure, Idaho is the place to go!

Cheap Car Insurance Boise ID

5 Companies That Will Insure an Uber or Lyft in Idaho

Boise residents who drive for Uber and Lyft can find insurance coverage from a variety of companies that specialize in providing insurance to rideshare drivers. Here are five of the top companies that Idahoans can turn to for comprehensive coverage:

  1. Geico: Geico is one of the largest auto insurers in Idaho and has special policies designed specifically for Uber and Lyft drivers. These plans provide important liability, property damage, and collision coverage when you're on the job.
  2. Allstate: Allstate offers Idaho citizens with an affordable policy option that provides protection while they're driving for any ridesharing service. You can get a quote online or visit one of Allstate's many agent locations in Idaho.
  3. State Farm: Idaho drivers can also look to State Farm for rideshare insurance. The company offers coverage that helps pay for medical bills and property damage if you're involved in a crash while on the job.
  4. Progressive: Progressive is another insurer that Idahoans can turn to when they are driving with Uber or Lyft. With flexible policies, competitive rates, and discounts available, Progressive makes it easy to get the coverage you need while on the road.
  5. Farmers Insurance: Farmers is known for its comprehensive policies and Idaho residents who drive with Uber or Lyft can take advantage of their great offerings as well. From collision coverage to personal injury protection, Farmers has everything Idahoans need to stay safe while they're working.

No matter which company Idahoans choose, it is important to understand the coverage options available and make sure that you are fully protected in case of an accident. With these five companies providing insurance for Boise rideshare drivers, Idahoans can rest assured that their vehicles are covered when they hit the road.

Top 10 Driving Infractions and Their Associated Insurance Increases in Idaho

Driving infractions can result in insurance rate increases, especially in Idaho. Idaho has some of the most expensive auto insurance rates in the country, so it's important to understand what type of infraction can cause a hike in premium rates. Here are 10 common driving offenses and how much they could affect your Boise Idaho car insurance premiums:

  1. Driving without Insurance - This is the single most costly violation to your wallet and will likely result in a significant increase to your Idaho car insurance policy due to addition of an SR22 filing. An SR22 is an added form required by Idaho law that certifies that an individual carries valid auto liability insurance coverage.
  2. DUI/DWI - Drunk driving in Idaho is a serious offense and can result in an increase of up to 50 percent or more on your Idaho auto insurance rates.
  3. Speeding - Idaho has both fixed speed limits and variable speed limits, depending on the area you are driving in. Idaho also has a 3-tier system for speeding tickets with fines ranging from $10 up to $200 for excessive speeds. Insurance companies look at all speeding violations, so even the smallest infractions can lead to rate hikes.
  4. Reckless Driving - Any type of reckless behavior behind the wheel is taken seriously by Idaho law enforcement as well as insurance companies; this includes unsafe passing, failure to yield right of way and any kind of aggressive driving behavior that puts other people in danger.
  5. Unlicensed Driving - Idaho requires all drivers to be licensed, and any violations related to unlicensed driving will result in a fine and an increase in your insurance premium.
  6. Texting/Cell Phone Use While Driving - Idaho has laws specifically banning the use of cell phones while driving, so if you are caught using your phone behind the wheel it can lead to increased premiums, fines or even jail time.
  7. Failure to Obey Road Signs - Idaho has many signs that regulate speed, turns and other traffic regulations; failure to obey such signs can lead to accidents as well as higher insurance rates if you are found at fault for the accident or violation.
  8. Driving Without a Seatbelt - Idaho has strict seatbelt laws requiring all drivers and passengers to wear safety belts; if you are found in violation of this law, it can lead to an increase in your Idaho auto insurance premium.
  9. Careless/Inattentive Driving - Idaho requires all drivers to pay attention on the road and abide by the code of safe behavior for motorists; any violation that involves not paying attention or otherwise being careless can lead to more expensive Idaho auto insurance rates.
  10. Fleeing from Police - Idaho also has very strict laws against fleeing from police officers, so if you are caught driving away from an officer, it will result in a rate hike due to the severity of this offense.

These are the top 10 most common Idaho driving infractions and their associated insurance increases, so it's important to stay aware of the rules of the road in Idaho and drive safely to keep your auto insurance rates low.

Going with a National Company vs a Local Broker or Agent in Boise

Choosing between a national insurance company and a local Boise agent or broker for the best deal can be a nuanced decision, largely dependent on your individual needs and circumstances. National insurance companies have their advantages. They typically offer a wider variety of products and services, and may provide discounts for bundling different types of insurance such as auto, dwelling, and life. These companies usually have extensive customer service departments, often available 24/7, and their digital platforms for quotes, policy management, claims, and payments are usually quite comprehensive. However, the trade-off might be less personalized service. Since you're more likely to deal with different customer service representatives each time, building a relationship with your insurer could be more challenging. Additionally, national insurers may not fully comprehend the specific insurance needs and risks of your local area in Boise.

On the other hand, local Boise agents and brokers can offer more personalized service and the opportunity to build a longstanding relationship. They can guide you through the intricacies of insurance policies, assist with claims, and are generally more attuned to the particular risks and insurance needs of your locality. Brokers, representing multiple insurance companies, are in a position to shop around for the best deal for you. To get an idea of how much rates can vary by zip code you could compare ones such as 94014, 97479, 37660, 19640, 45891, 49087, 43074, 42788, 83702, and 30622. However, their range of products may not be as wide as national insurers, and their operating hours might not be as flexible. Also, customer service may not be available round the clock. In terms of digital accessibility, their platforms may not be as user-friendly or feature-rich as those of larger, national companies.

In conclusion, the better option is largely dependent on your preferences. If a personal relationship and local Boise expertise is valued, a local agent or broker could be your best bet. Conversely, if you prefer the convenience of digital tools, round-the-clock customer service, and a broader range of products, then a national insurance company might be the right choice. It's always prudent to compare quotes from different sources before making a decision.

Disclaimer: Please note that the content provided above is for informational purposes only and it does not constitute legal advice. You should always consult with an insurance professional or legal counsel for any questions related to insurance laws.


David Miller

David Miller - Chief Editor

David Miller is a trusted authority in the world of car insurance and road trips. With over a decade of experience in the insurance industry, David has helped countless individuals and families find the right coverage for their vehicles. His passion for travel and exploration has also led him on numerous road trips across the country. David enjoys sharing his knowledge and expertise through his writing, and is dedicated to providing credible and reliable information to his readers. Whether you're planning a road trip or looking for the best car insurance policy, David's articles will guide you towards making informed decisions that protect you and your loved ones.


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