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Idaho Auto Insurance Rates

Idaho Insurance Resources

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Your Idaho Auto Insurance Rates are affected by different factors

It can get quite confusing to try to predict what your car premium is going to be. Some of the fators are somewhat in your control, like your driving history and the type of vehcile you drive, but others are not in your control at all (age, gender, etc).

One of the easiest factors you can change is your vehicle classification.

What are some major factors in determining an auto insurance rate in Idaho?

  • Vehicle Classification
  • Age, Marital status, Zip code
  • Mileage driven per year
  • Previous accidents and claims
  • Driving record, Credit score

A lot of details determine a vehicle’s risk classification. It is one of the most important factors in determining an auto insurance premium. A vehicle is classified based on its performance capability and its retail cost. The higher the performance capability, the higher the risk factor because better performing vehicles are capable of going faster and more aggressive maneuverings than lower performing vehicles. Thus, higher performing vehicles are capable of causing more significant accidents and damage to other vehicles. A car that has a high market value costs insurers more to replace, so that also increase insurance premiums. Vehicle risk classification is also determined by statistics measuring the number of thefts, accidents and repairs per year for each car.

Age is also one of the highest factors that affect your insurance rate. Statistics show that drivers under the age of 25 cause the highest percentage of car accidents, while drivers between the ages of 50 and 65 cause the lowest percentage. Therefore, auto insurers charge higher premiums to younger drivers because that specific population costs the most insurer pay outs. Those between 50 and 65 are put in a lower risk pool because they statistically cause insurers to pay out less.

Policyholders who are married tend to have lower insurance rates. This is because marriage is often considered an indicator of financial stability and insurers believe they are more likely to reliably meet their payment obligations.

Some policies are determined based on the average distance that the car will be used on a normal day. The premium may also be affected by the annual mileage put on a vehicle and for what purpose. Usually, the mileage is provided by the insured person, but some insurance providers request this information before determining a policyholder’s risk.

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