Melba Auto Insurance Rates, Quotes, Agents & Reviews in ID

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.

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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 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