Melba, ID Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Melba, ID, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Overview of Car Insurance in Melba, ID
The average cost of car insurance in Melba, ID, is $1,065. In the event of an accident or other damage, car insurance is meant to shield you from financial loss. The driver's credit score, age, gender, marital status, and other factors affect how much car owners in Melba, ID, pay each month for car insurance. You can find the best deal for less money if you know how auto insurance firms utilize these elements to calculate vehicle insurance prices. Through its research, Zimlon has looked at the variables affecting the variation in the cost of auto insurance in Melba, Idaho.
Credit History
When it comes to car insurance, one of the most significant factors that insurers take into account is your credit score. The higher your credit score, the lower your insurance rates will be. This is because people with high credit scores are considered to be less of a risk when it comes to filing claims. For instance, in Melba, ID, automobile owners with exceptional credit scores have to pay $914, while those with poor credit must spend $1,737 for a car. Therefore, the lower the vehicle insurance rates in Melba, ID, the higher the credit score. If you’re looking to save money on your car insurance in Argo, AL, one of the best things you can do is work on improving your credit score..
Age of the Driver
Age is one of the many factors that contribute to car insurance rates. Younger drivers tend to be charged higher rates than older drivers. This is because younger drivers are considered to be a higher risk on the road. They are more likely to be involved in accidents, and they are also more likely to get speeding tickets. As a result, insurance companies charge higher rates to cover the increased risk. For instance, Teenage drivers in Melba, Idaho, pay $3,456 for car insurance, whereas older drivers aged 40 years in that same city pay $1,014. No matter what your age, there are ways to save on car insurance. The best way to find the cheapest rates is to shop around and compare quotes from multiple companies. You can also save by taking steps to reduce your risk on the road.
Driving Habits
When it comes to car insurance, your driving habits play a big role in determining your rates. If you're a safe driver with a clean driving record, you can expect to pay less for your insurance than someone who has been in accidents or received speeding tickets. Insurance companies use data to calculate risk, so you can expect to pay more for your coverage if you're a high-risk driver. For instance, Melba, ID car insurance rates for drivers who run red lights or have expired licenses are increased by +248 and +718, respectively.
Factors that can influence the cost of car insurance in Melba, ID are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Melba, ID Auto Insurance Rates
- Melba, ID Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Melba, ID
- Multi Vehicle Insurance Savings in Melba, ID
- How Credit Score Affects Car Insurance Rates in Melba, ID
- How DUI Affects Auto Insurance Premiums in Melba, ID
- Top Auto Insurance Agents Near Melba, ID
- How Driving Violations Affect Auto Insurance Rates in Melba, ID
- Melba, ID Auto Insurance Discounts on Anti Theft Feature
Melba, ID Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Melba, ID with that of other cities in and around Melba.
| Melba | Nampa | Canyon County | Caldwell | Meridian | Kuna | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,065 | $942 | $1,033 | $953 | $1,090 | $1,049 |
Melba, ID Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Melba, ID based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Melba | $1,120 | $946 |
| Nampa | $1,179 | $996 |
| Kuna | $1,419 | $1,199 |
| Huston | $1,758 | $1,485 |
| Marsing | $1,408 | $1,189 |
| Canyon County | $2,190 | $1,850 |
| Caldwell | $2,799 | $2,364 |
| Meridian | $1,477 | $1,248 |
Melba, ID Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Melba, ID usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,456 |
| 20 Years | $1,368 |
| 30 Years | $1,054 |
| 40 Years | $1,014 |
| 50 Years | $939 |
| 60 Years | $952 |
| 70 Years | $1,108 |
Melba, ID Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Melba, ID can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,853 | $277 |
| 3 Vehicles | $2,780 | $415 |
| 4 Vehicles | $3,706 | $554 |
Savings on 2 Vehicles bundle:$277
Savings on 3 Vehicles bundle:$415
Savings on 4 Vehicles bundle:$554
Melba, ID Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Melba, ID.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Melba | $1,065 | $1,698 |
| Nampa | $942 | $1,502 |
| Kuna | $1,049 | $1,673 |
| Huston | $1,078 | $1,719 |
| Marsing | $1,030 | $1,642 |
| Canyon County | $1,033 | $1,647 |
| Caldwell | $953 | $1,520 |
| Meridian | $1,090 | $1,738 |
Melba, ID Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $914 |
| Excellent (740-799) | $1,043 |
| Good (670-739) | $1,110 |
| Average (580-669) | $1,448 |
| Poor (300-579) | $1,737 |
Melba, ID Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Dahlinger & Co Insurance | Travelers | 1216 12Th Ave South, Nampa, 83651 | None |
| Ballenger Insurance | None | 923 12Th Ave, Nampa, 83651 | None |
| Jeremy Fitzsimmons | Allstate | 2053 E Fairview Ave Ste 103, Meridian, 83642 | (208) 269-4913 |
| Northwest Insurance Brokers | Travelers | 1880 S COBALT POINT WAY 220, MERIDIAN, 83642 | 208-321-2633 |
| Northwest Ins Brokers Inc | Travelers | 1880 S COBALT POINT WAY STE 220, MERIDIAN, 83642 | 208-322-8300 |
| J & K Insurance, Inc | None | 236 W Cherry Lane, Meridian, 83642 | None |
| Intermountain Insurance Group | Travelers | 517 N 36TH ST, NAMPA, 83687 | 208-466-1444 |
| David Fisk | Farmers | 1511 N Park Centre Pl, Nampa, 83651 | (208) 475-1872 |
| Three Rivers Agency (B) | None | 10159 W Overland Rd Boise, Boise City, 83709 | None |
Melba, ID Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$47 | $1,112 |
| Driver's Failure In Showing Documents | +$103 | $1,168 |
| Driving With An Expired Registration | +$110 | $1,175 |
| Driving At A Considerably Slow Pace | +$231 | $1,296 |
| Using A Cellphone While Driving | +$244 | $1,309 |
| Running A Red Light | +$248 | $1,313 |
| Speeding | +$261 | $1,326 |
| Driving A Vehicle Without The Required Permission | +$331 | $1,396 |
| Driving With An Expired/Suspended License | +$718 | $1,783 |
Melba, ID Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,022 |
| Active Disabling Device | $1,022 |
| Tracking Device | $1,001 |
| Passive Disabling Device | $990 |