Car Insurance in Caldwell

Get back on the road with security in mind when you find the best car insurance in Caldwell to meet your needs.
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Driving in Caldwell, ID

Caldwell, ID, is home to nearly 59,000 people and offers a charming small-town feel while remaining close to Boise's convenient amenities. Outdoors enthusiasts enjoy the area's many parks and hiking trails, while others love the vibrant atmosphere in town.

Valley Regional Transit provides bus services in Caldwell, and an airport shuttle is available to the Boise airport. Even though there are several transportation options, 77% of residents prefer to drive their cars to get around town. The average one-way commute is 23.5 minutes, which is nearly on par with the national average of 26.4 minutes. 

The Cost of Auto Insurance in Caldwell

The national average cost of car insurance is $2,014 per year. However, the cost of car insurance in Caldwell is well below that at just $1,229 per year. Remember that the policies you choose, the deductible you opt for and your risk factors all determine the exact price you'll pay. 

Determining Your Risk Factors

What do your credit score, claims history and driving history look like? These are all factors insurers consider. The higher your credit score, the more you will likely save on insurance. However, if you have a history of filing auto insurance claims, accidents, or moving violations on your record, you could find yourself paying more.

Your car is a deciding factor as well. The safest cars to insure are new, family-friendly ones with the most up-to-date safety and security features. However, a new car doesn't necessarily mean a lower payment. Luxury vehicles and sports cars are high-value and often cost more to insure. Furthermore, you'll pay more if you own a make and model of vehicle that is more likely to be stolen than others.

Your surroundings matter, too. Living or working in areas with high rates of property crime means you are more likely to pay a higher premium on car insurance in Caldwell. People report property crime at 32.9 in the area, a lower rate than the national average of 35.4. This means you may see savings on your premium. 

Choosing the Right Auto Insurance Policy

Having enough coverage on the road is vital for your protection. One of the most important car insurance types is liability coverage. Idaho requires drivers to carry a liability policy in the amount of $25,000 per person ($50,000 per accident) in bodily injury coverage, which pays the medical expenses for people in the other car if you're at fault in the accident. You must also carry $15,000 in property damage to pay for the other driver's car repairs.

Uninsured and underinsured motorist coverage is a necessity and is required in Idaho. This type of insurance protects you in case someone who doesn't have enough insurance causes an accident. It pays for both damages and medical bills.

It's also a good idea to have personal injury protection. PIP pays the medical bills for you and your passengers after an accident, no matter who is at fault. It may also cover funeral expenses, lost wages or other accident-related expenses.

Insurers often sell comprehensive and collision policies as a bundle. Comprehensive insurance pays to repair or replace your vehicle after a non-accident situation, such as theft, vandalism or natural disaster. Collision coverage offers additional protection if your vehicle is involved in a single-car or rollover accident.

Finding car insurance in Caldwell is easier when you use a comparison tool that provides quotes from reputable insurance agencies in your area. Use VIU by HUB's platform to compare quotes, find discounts and learn more about your auto insurance.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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