Idaho Car Insurance

Idaho has state laws put in place that requires drivers to carry auto insurance with at least $25,000 per person/$50,000 per accident coverage of bodily injury liability and $15,000 per accident coverage of property damage liability.

If you are going to get Idaho car insurance you should be aware that every person who operates a vehicle in the state is required to have at least the basic minimum amounts of liability car insurance. This is simply to protect other drivers if you should be so unfortunate to have caused and accident that resulted in injuries or damages to another driver.

Idaho car insurance companies are also required to include underinsured and uninsured motorist coverage which will be helpful to defray costs incurred if you have an accident with a driver who has no car insurance or too little car insurance.

There is not a requirement that you have property damage coverage, yet it is offered under most policies and it will save you quite a bit of money in case you are involved in an auto accident.

Even though only a minimum amount of liability coverage is mandated by the state of Idaho, you will probably find that it is wise to go ahead and purchase additional liability coverage, as its cost is minimal when increasing the coverage to higher amounts.

Other coverage that you can purchase and a short explanation include:

Collision coverage will help to pay for costs incurred to your vehicle that happen with other vehicles and objects.

Comprehensive coverage will help to pay for damages to your vehicle from incidents that are non-accident related, such as fire, theft, and damage from water.

Medical payments coverage will help to pay for medical or funeral costs for you and passengers who are riding in your vehicle at the time of the accident, no matter who is at fault in the accident.

Custom equipment coverage will help in the reimbursement of the cost of custom equipment that is damaged when an accident occurs.

Car insurance holders residing in Idaho can expect to enjoy one of the cheapest rates in the country, according to a study done by earlier this year. Out of the 51 states and #51 being the least expensive, Idaho ranked #49 with an annual average premium of $877.

Idaho does not have “no-fault car insurance. Actually, multiple people can be found to be at fault in an accident. The statute on this is called the “comparative negligence” law, and it allows for varying degrees of fault in the matter. The way that this principle works is that you are only awarded damages in the accident situation, if you are less at fault than the other parties who are involved in the accident.

Also, under the comparative negligence law, the damages that you receive can be reduced by the percentage that you are at fault. For example, if you are judged to have been 25% at fault, your settlement can be reduced by a 25% amount.

If a driver has a poor record of driving and there is a history of filing lots of claims, their risk is often considered to be too high for Idaho car insurance companies to insure. In a case such as this, an individual can apply to the Idaho Automobile Insurance Plan in order to obtain coverage. The premiums will be more expensive, but at least you will have auto coverage.

Work with a licensed automobile agent, and ask to see different companies with different deductibles in order to compare different companies and their prices.

Idaho Cities:

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