Pocatello, ID Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Pocatello, 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.
Car Owners can Save Up to $453 on Multi-Car Insurance in Pocatello, ID.
The average cost of auto insurance in Pocatello, ID, is $944. This is lower than auto insurance in neighboring places such as Bannock County, Arbon Valley, Tyhee, Aberdeen, and Fort Hall. Car owners can save more by comparing multiple car insurance quotes from different car insurance companies. The cost of car insurance can vary from one neighborhood to another, depending on the rate of auto thefts in that area. The cost of auto insurance also depends on the rate of deductibles, driving record, and make and model of the car. Below are some of the discounts auto owners can avail of in Pocatello.
Hybrid and Electric Vehicles:
Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are more environmentally friendly thanks to lower emission rates. In a few states, Farmers also offers a 5% discount to encourage environmentally prudent drivers.
Multi-car Insurance Policy:
Drivers who own multiple cars can make use of this policy by insuring all their vehicles under the same auto insurance company. Insurance companies offer attractive discounts for bundling as well. Car owners can save more by purchasing their life, auto, and home insurance from the same insurance company. In Pocatello, the cost of insuring two cars under a multi-car insurance policy is $1,661, while the cost of insuring four cars is $3,323. The amount of savings via a multi-car insurance policy depends on the number of vehicles and the make and model of the car.
Bundling:
Bundling is a standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts. State Farm offers a 17% discount on multiple policies, while Progressive offers an average discount of 5%. Discounts are also offered if one covers multiple vehicles under the same insurer. GEICO, for instance, offers multi-vehicle discounts of up to 25%.
Progressive offers a 10% discount if you are a homeowner. However, to avail of this offer, it is not mandatory to have insured one’s home through Progressive’s network of home insurers.
Driving Record:
Most car insurance companies offer substantial discounts to drivers who have a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.
Progressive’s SNAPSHOT program offers a significant discount for good drivers. It places its average rate of discount at $145. The DriveSense Discount Program by Esurance is another option for car owners looking for discounts.
Anti-theft Discounts:
Car insurers across Idaho offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms.
Other than these significant factors, insurance companies across the board offer discounts to loyal customers. Signing paperwork online and reducing paperwork also makes some car owners eligible for discounts. It is clear from the above analysis by Zimlon that an estimation of discounts available to different car owners depends on numerous factors.
Factors that can influence the cost of car insurance in Pocatello, 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.
- Pocatello, ID Auto Insurance Rates
- Pocatello, ID Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Pocatello, ID
- Multi Vehicle Insurance Savings in Pocatello, ID
- How Credit Score Affects Car Insurance Rates in Pocatello, ID
- How DUI Affects Auto Insurance Premiums in Pocatello, ID
- Top Auto Insurance Agents Near Pocatello, ID
- How Driving Violations Affect Auto Insurance Rates in Pocatello, ID
- Pocatello, ID Auto Insurance Discounts on Anti Theft Feature
- Pocatello, ID Auto Insurance Company Reviews
Pocatello, ID Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Pocatello, ID with that of other cities in and around Pocatello.
| Pocatello | Bannock County | Arbon Valley | Tyhee | Aberdeen | Fort Hall | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $944 | $1,036 | $1,030 | $1,083 | $1,128 | $1,123 |
Pocatello, 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 Pocatello, 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) |
|---|---|---|
| Pocatello | $2,522 | $2,131 |
| Chubbuck | $1,280 | $1,081 |
| Tyhee | $1,480 | $1,250 |
| Arbon Valley | $1,338 | $1,130 |
| Inkom | $980 | $827 |
| Fort Hall | $1,484 | $1,254 |
| Bannock County | $1,644 | $1,389 |
| Aberdeen | $1,977 | $1,670 |
Pocatello, ID Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Pocatello, 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 | $3,063 |
| 20 Years | $1,213 |
| 30 Years | $934 |
| 40 Years | $899 |
| 50 Years | $832 |
| 60 Years | $844 |
| 70 Years | $982 |
Pocatello, ID Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Pocatello, 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 | $1,661 | $227 |
| 3 Vehicles | $2,492 | $340 |
| 4 Vehicles | $3,323 | $453 |
Savings on 2 Vehicles bundle:$227
Savings on 3 Vehicles bundle:$340
Savings on 4 Vehicles bundle:$453
Pocatello, 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 Pocatello, ID.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Pocatello | $944 | $1,505 |
| Chubbuck | $1,040 | $1,658 |
| Tyhee | $1,083 | $1,727 |
| Arbon Valley | $1,030 | $1,642 |
| Inkom | $1,086 | $1,732 |
| Fort Hall | $1,123 | $1,791 |
| Bannock County | $1,036 | $1,652 |
| Aberdeen | $1,128 | $1,799 |
Pocatello, 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) | $810 |
| Excellent (740-799) | $925 |
| Good (670-739) | $984 |
| Average (580-669) | $1,283 |
| Poor (300-579) | $1,540 |
Pocatello, 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 |
|---|---|---|---|
| Dave Orthel | Allstate | 4650 Hawthorne Rd Ste A, Chubbuck, 83202 | (208) 237-1498 |
| Don Bates | Allstate | 805 Jefferson Ave, Pocatello, 83201 | (208) 233-7454 |
| Steve Roberts | State Farm | 656 S 4th Ave, Pocatello, 83201-6502 | 208-233-6612 |
| Richard Lee Olson | Allstate | 121 Evans Ln, Chubbuck, 83202 | (208) 238-1830 |
| Summer Jackman | State Farm | 1023 Yellowstone Ave Ste F, Pocatello, 83201-4478 | 208-233-6333 |
| David Anglesey | Farmers | 4922 Yellowstone Ave Ste A, Chubbuck, 83202 | (208) 478-5900 |
| Butler Insurance Services Incorporated | Nationwide | 1448 E Center St, Pocatello, 83201-4132 | (208) 232-0081 |
| Justin Christensen | Liberty Mutual | 950 Pier View Drive Suite A, Idaho Falls, 83402 | 1-208-528-8023 |
| Barbara Beck | Allstate | 1280 S Woodruff Ave, Idaho Falls, 83404 | (208) 524-5129 |
| Mutual Insurance | None | 1575 Baldy Ave, Pocatello, 83201 | None |
| C Dean Turnblom Lutcf | Farmers | 3153 E 17th St, Ammon, 83406 | (208) 529-1503 |
Pocatello, 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 | +$42 | $986 |
| Driver's Failure In Showing Documents | +$92 | $1,036 |
| Driving With An Expired Registration | +$97 | $1,041 |
| Driving At A Considerably Slow Pace | +$205 | $1,149 |
| Using A Cellphone While Driving | +$216 | $1,160 |
| Running A Red Light | +$220 | $1,164 |
| Speeding | +$231 | $1,175 |
| Driving A Vehicle Without The Required Permission | +$294 | $1,238 |
| Driving With An Expired/Suspended License | +$636 | $1,580 |
Pocatello, 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 | $906 |
| Active Disabling Device | $906 |
| Tracking Device | $887 |
| Passive Disabling Device | $878 |
Latest Auto Insurance Reviews in Pocatello, ID | Back to Top
Erie InsuranceIn a similar situation to my own, I would heartily recommend Erie insurance. I have yet to need to file a claim though, so it's hard to say for sure.
Amica Mutual InsuranceAmica's premiums are very reasonable. For me, they ended up being lower than any other company I checked. I was able to choose from several options for deductibles.
AllstateAllState could offer more discounts and start judging people based on live drive data. A more accurate driving capability analysis would be preferred.
NationwideINSURANCE AGENTS AVAILABLE ALWAYS ON PHONE AND I GET TO SPEAK TO THE SAME TWO MOST OFTEN WHICH I LIKE --I AM FAMILIAR WITH THEM AND THEY ARE WITH ME. ALWAYS HELPFUL AND FRIENDLY..