How Much Does Auto Insurance Cost for Drivers Over Age 70 in Idaho?

The type of vehicle that needs insurance is a large factor when looking for cheap auto insurance for drivers over age 70 in Idaho. Vehicles with average performance, good safety features, or a positive history of liability claims will cost quite a bit less to insure than high performance models. The table below shows auto insurance premiums for a handful of the cheapest vehicles to buy coverage for.

Data based on married female driver age 70, no speeding tickets, no at-fault accidents, $500 deductibles, and Idaho minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Premium costs do not factor in Idaho location which can change rates noticeably.

Looking at the data, we can tell that cars like the Ford Escape, Honda CR-V, Ford Edge, Hyundai Elantra, and Toyota Highlander are most likely to be a few of the more affordable vehicles to insure for older drivers. Rates will be more costly because of the fact that there is more claim risk for drivers over age 70, but in general those models will probably have the best rates compared to other types of vehicles.

When shopping for insurance for older drivers, one of the many considerations that insurance companies use when figuring insurance cost is the neighborhood you call home in Idaho. Areas that are more densely populated like Sandpoint, Moscow, and Pocatello tend to have higher rates, whereas areas with less traffic congestion and claims tend to receive cheaper rates.

The following table displays the most expensive cities in Idaho for drivers over age 70 to purchase auto insurance in.

Rate quotes are approximated as the vehicle garaging location can alter coverage rates substantially.

Impact of violations and accidents on rates

The recommended way to score low auto insurance premiums for older drivers is to drive cautiously and avoid accidents and traffic citations. The illustration below illustrates how traffic citations and accident claims can drive up insurance rates for each age group. The rates are based on a married female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

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The data charted above shows the average cost of a car insurance policy in Idaho per year with no violations or accidents is $1,166. Get written up for one speeding ticket and the average cost hikes up to $1,358, an increase of $192 each year. Now add two accidents along with the one speeding ticket and the 12-month cost of auto insurance for drivers over age 70 jumps again to an average of $3,079. That’s an increase of $1,914, or $159 per month, just for a couple of infractions!

Best auto insurance in Idaho

Ending up with a highly-rated car insurance company is hard considering how many different companies sell coverage in Idaho. The company rank data listed below may help you select which car insurance companies to look at when comparing insurance rates for drivers over age 70.

The ratings below are only made up of companies that insure vehicles across America, so companies without a large exposure are not taken into consideration for these rankings. If you’d like to compare prices from many more Idaho auto insurance companies, follow this link.

How to find budget-friendly auto insurance for drivers over age 70

It is possible to find better rates, and here are some of the better thrifty suggestions that can help Idaho drivers find low-cost coverage.

• Bundle car and home insurance and save money
• Buy vehicles with five-star safety ratings
• Higher comprehensive and collision coverage deductibles will save money
• Try to remain claim-free
• Full coverage is expensive so only insure older vehicles for liability only
• Good credit can help you save money
• Check for cheaper rates once a year

The last item on the list is remarkably significant, as we hit on in this article. Prices charged by companies in Idaho adjust frequently, so drivers shouldn’t be reluctant to change to a new company if you can find a cheaper rate.

Many drivers have brand loyalty and that’s fine, but it’s not a good idea if your bullheadedness ends up costing you a small fortune year after year. In just a couple of minutes you could compare prices to find cheaper car insurance for drivers over age 70.