Best Cheap Auto Insurance Quotes for Drivers with Bad Credit in Idaho

Our editors always tell us that when writing about auto insurance, the word affordable should not be used anywhere in the article. Be that as it may, cheap car insurance for drivers with bad credit can be hard, if not impossible, to find. Don’t let that spoil your day, because we are going to tell you how you can quote coverage that may not be cheap, but it is affordable.

Comparing rates for affordable auto insurance is hard enough, and finding out which company offers the lowest-priced auto insurance rates for drivers with bad credit calls for even more rate comparisons. Insurance rates could be slightly higher than the state average because of the posibility of more claims related to offering insurance for people with poor credit, but reasonable insurance may be achievable if you shop around. Each auto insurance company uses their own calculation for filing rates in each state, so we need to take a look at the most affordable auto insurance companies in Idaho.

Best Cheap Insurance Rates with Bad Credit

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American National has some of the most affordable car insurance rates in Idaho at around $237 annually. USAA, Farm Bureau of ID Group, Oregon Mutual, and Travelers would also make the list of some of the cheapest Idaho car insurance companies.

As the rates illustrate above, if you have coverage with USAA and switched to American National, you might realize a yearly savings of about $299. Customers with Farm Bureau of ID Group could save as much as $313 a year, and Oregon Mutual insureds might reduce rates by $415 a year.

To see if you’re overpaying, click here to start your free quote or visit several of the following companies.

Bear in mind that those premium estimates are averages across all types of drivers and the different vehicles they drive and and are not calculated with a price surcharge for drivers with bad credit. So the auto insurance company that can offer you the best price may not even be in the chart above. That emphasizes why you need to compare as many prices as possible using your own driver information and specific vehicle type.

The make and model of vehicle that needs insurance is a large factor in finding the best cheap auto insurance for drivers with bad credit in Idaho. Vehicles with limited speed and performance, a plethora of safety features, or low incidents of liability claims will cost quite a bit less to insure than higher performance models.

The table below ranks car insurance premiums for the most budget-friendly vehicles to buy coverage for.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Idaho minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in vehicle garaging location which can increase or decrease price quotes substantially.

By looking at the data, you can figure that cars like the Honda Accord, Ford Edge, and Hyundai Tucson will definitely be some of the more affordable vehicles to insure for people with poor credit. The cost of a car insurance policy will tend to be higher because there is a higher risk for drivers with bad credit, but generally speaking those particular models will probably have the lowest insurance rates that you are likely to find.

How to find a good Idaho auto insurance company

Picking a high-quality car insurance provider can be a challenge considering how many different companies sell coverage in Idaho. The company rank data below can help you decide which companies you want to consider shopping prices with. These ratings include the companies with a significant amount of written premium nationwide, so smaller regional companies are not included in the list.

Top 10 Large Auto Insurers in Idaho Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. GEICO
5. Progressive
6. Liberty Mutual
7. Allstate
8. The Hartford
9. The General
10. Farmers Insurance

Top 10 Large Auto Insurers in Idaho Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Esurance – A+
6. Nationwide – A+
7. Allstate – A+
8. Progressive – A+
9. The Hartford – A+
10. The General – A-

Discount Idaho car insurance rates

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/cheap-car-insurance-drivers-bad-credit-id.jpg" alt="Cheaper Idaho auto insurance for people with poor credit”/>Car insurance companies that sell the best cheap auto insurance for drivers with bad credit in Idaho could also offer price discounts that could reduce prices by as much as 40% or more if you meet certain criteria. A few popular companies and a selection of discounts are detailed below.

The example below visualizes the comparison of premium costs with and without discounts applied to the policy rates. The costs are based on a female driver, a clean driving record, no at-fault accidents, Idaho state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with marriage, claim-free, vehicle safety, accident-free, multiple vehicle, and anti-theft discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for drivers with bad credit is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2339,1681],[‘Age 30’, 1603,1163],[‘Age 40’, 1491,1081],[‘Age 50’, 1305,945],[‘Age 60’, 1263,917],[‘Age 70’, 1479,1069]]);var options = {title: ‘Effect of Discounts on Insurance Rates for Drivers with Bad Credit’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

How to find cheaper car insurance for drivers with bad credit

Here are some money-saving ideas that can help Idaho drivers buy lower-cost car insurance.

• Prevent rate increases by staying accident-free
• Safer vehicles generally have cheaper insurance rates
• Do not get tickets or violations
• On older vehicles, drop full coverage
• Maintaining good credit helps earn cheaper rates
• Increase your deductibles
• Comparison shop at least every other year

The final tip is highly necessary, as was emphasized in the prior information. Prices charged by car insurance companies fluctuate considerably, so don’t be unwilling to switch to a new company if you can save money. Having brand loyalty is commendable, but it isn’t a good idea if that dedication is costing thousands of dollars over several years. In less than five minutes you could compare prices to find cheaper auto insurance for drivers with bad credit.

Who has the cheapest insurance quotes for people with poor credit?

Drivers have a lot of different ways to compare auto insurance quotes in Idaho, but the most preferred methods are using an independent insurance agent, an exclusive agency such as Auto-Owners or State Farm, or from a direct company like Progressive or Geico. All three ways can provide auto insurance quotes, but shoppers should understand the differences in how they provide price quotes.

Independent insurance agencies have contracts with many companies and can provide price quotes from all of them. They can sell policies from many different companies and can give you more rates, which may give you the best chance of finding a lower price. If they find a cheaper price, your agent can just switch to a different company and you don’t have to do anything.

An exclusive ageny is ‘exlusive’ to one company, two popular examples being an Auto-Owners or Allstate agent. This type of agents cannot compare other company’s rates, so they really need to provide good service.

Drivers who opt to buy auto insurance direct forego an agent and buy buying direct from a company like Progressive or Esurance. Buying direct may be preferred by families who do not need high amounts of coverage and understand how auto insurance works and possible exclusions.

So what is the best way to find the best cheap auto insurance for drivers with bad credit in Idaho? It would be premature to say buying from a direct car insurance company saves the most money since there is no need to pay agent commissions, but unfortunately, it’s not that simple. A good argument could also be made that an independent agency guarantees the lowest rates because you have more choices, but that assumption is also not necessarily accurate. In the right set of circumstances, the exclusive agents have price quotes that cannot be beaten by either independent or direct companies.

Since auto insurance prices vary so much, the guaranteed way to buy the cheapest coverage is to compare, compare, and compare some more. In a perfect world, youll get rate quotes from all three to give yourself plenty of rates to compare. For a list of auto insurance companies with low rates, click here to view.