UPDATED: Mar 13, 2020
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Cheap Car Insurance in Nampa, ID
Are you looking for cheap auto insurance in Nampa, ID? At AutoInsuranceEZ.com, you will discover the very best insurance rates close to you. To receive free car insurance quotes from the best providers today, provide your zip code into the quote box on this page.
Back in the 1800’s, the construction of the Oregon Short Line Railroad was responsible for the birth of a number of towns; one of the larger ones was Nampa, Idaho. Today, it is economically diverse with thriving manufacturing and agriculture industries. Nampa is also host to one of the country’s largest rodeos, the Snake River Stampede.
- Fun fact: Did you know that Nampa is #1 on the list of “Top 101 cities with largest percentage of males in occupations: Child care workers (population 50,000+)”? Learn more about Nampa, Idaho.
Auto Insurance Coverage Requirements in Idaho
Below are the legal automotive insurance requirements for all Idaho drivers:
|Bodily Injury Liability||25,000/50,000||100,000/300,000|
|Property Damage Liability||15,000||50,000|
|Uninsured Motorist Bodily Injury||Not required||25,000/50,000|
|Medical Payments||Not required||5,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||100 deductible|
If you’re thinking about saving money by only purchasing the mandatory state minimums, be careful. If you drive an older, used, inexpensive car, you might be able to get by with minimal coverage. However, if your vehicle is newer, you should really consider purchasing a more robust policy.
In general, Idaho motorists are paying around $88 per month for their auto policies. But, by virtue of living in Nampa, you can get that even lower. In fact, some drivers are eligible for rates as low as $27/mo*. Keep reading if you’d like to find out how.
Do you absolutely have to have the lowest rate possible? Then look into Liberty Mutual, State Farm, or Oregon Mutual. They’re offering some of the lowest prices right now. While you’re at it, look into their customer service ratings and claims filing process. After all, low rates aren’t everything.
Auto insurance companies consider various elements when calculating insurance quotes, including gender, type of vehicle owned, miles driven each year, what type of job you have, and whether or not you have an anti-theft device installed on your automobile. In addition, premiums differ from carrier to carrier. To make sure you’re still being charged the most favorable rate, learn more about auto insurance in Idaho here.
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Major Car Insurance Factors in Nampa
There is a wide array of many items that can factor into the rate quotes you are offered. Although many of these things aren’t really anything you can do something about, some of them are elements which you can change for the better. Here are a few things that might change your car insurance premium:
Your Zip Code
The cheapest car insurance is usually found in cities with a lower population density. Because there are fewer automobiles on the road, there are fewer opportunities for you to get into a major car accident with another driver. The population of Nampa is 86,518 and the median household income is $39,655.
Taking population into account is one thing. But if you have a high population and a high accident rate, you’re at even more risk for higher insurance premiums. The chart above shows the most recent statistical data for Nampa. Given the population, the accident rate is actually quite low. This should automatically help lower your monthly costs.
Auto Thefts in Nampa
Living in a large city (Especially one with a high crime rate) will increase your risk of being a victim of auto theft. If your general location has high rates of theft and claims, you can expect to pay more for auto insurance to offset these costs. The total number of stolen vehicles in Nampa was 292 as recently as 2006. Also, keep in mind that unless you have Comprehensive coverage as a part of your policy, you will be financially responsible for replacing your stolen vehicle if the worst should happen.
Your Credit Score
For better or for worse, your credit score will have a monumental impact on how high or low your monthly premiums are. Just take a look at the chart below. If you have poor credit, you could be paying double or more the rate of someone with a pristine credit history.
Are you a teenage driver? Getting your own vehicle and hitting the open road is a fun and exciting time…until you get your insurance bill, that is. Thankfully, if you get good grades and take specific driving courses, there are discounts available to you. Contact your insurance agent for more information.
Your Driving Record
Serious violations – like Reckless Driving, or getting a DUI – will substantially raise your rates. It may even make it difficult or impossible to find coverage. Minor citations will increase your premiums too, but some companies are willing to forgive one or more blemishes on your record if they offer “Accident Forgiveness” discounts.
If you’re driving a luxury vehicle, then you’re going to want a luxurious insurance plan to protect it. After all, between theft, vandalism, accidents, severe weather, and the million other terrible things which can happen to your vehicle, do you really want to risk carrying insufficient coverage? Probably not.
Minor Car Insurance Factors in Nampa
These additional factors may also change your monthly premium:
Your Marital Status
Did you know that married couples have a special advantage to saving on their automotive insurance? All they have to do is bundle their policies together under the same company. Many providers reward this action with significant discounts.
Statistically speaking, there is virtually no difference between male and female drivers. This has led many insurance companies to stop charging different premiums based on gender. Some companies still do exercise this old-fashioned practice, but whether or not it benefits one gender over the other varies from one provider to the next.
Your Driving Distance to Work
Depending on where you work, you could have a very short or an uncommonly long commute each day. The average drive time for most workers lasts between 19-27 minutes, but could last anywhere from 30 minutes or more if you work farther away. Just over 75% of motorists drive their own car into work, while somewhere between 4% and 19% of workers carpool.
If possible, make sure you register your vehicle for personal use only. Business vehicles are charged 11-12% more on average than personal ones. Also, don’t stress out about limiting your yearly mileage. Even a substantial decrease in driving only gets you a 2-3% discount at best.
Your Coverage and Deductibles
Sick of paying such high premiums each month? Then contact your agent and ask them to raise your deductible (assuming it is currently low). A higher deductible is one of the quickest and easiest ways to lower your monthly payments.
Education in Nampa, ID
Many drivers in Nampa have at least a high school diploma; a slightly smaller fraction has yet to complete their high school education. If you’re thinking about going back to school or furthering your education, keep in mind that pursuing a higher degree can yield you lower rates on your car insurance. Even if you have a nice job and/or a good salary now, that degree will net you some significant insurance savings.
There are a handful of higher learning institutions located within or immediately adjacent to the Nampa area. Albertson College is a private institution which offers nearly 30 different liberal arts degrees. Boise State University is also within driving distance and happens to be the largest university in Idaho. For a religious influence on your education, you can also look into Northwest Nazarene College.
Finding affordable auto insurance can be a hassle. There’s a lot of information you need to consider and, figuring out how insurance companies evaluate your potential risk can be complicated. But don’t let the wrong insurance company talk you into purchasing the wrong policy.
How We Conducted the Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
These Companies Offer Lowest Rates on Auto Insurance in Nampa, ID – Act Now!