Car Insurance in Post Falls

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Car Insurance for all Your Needs

The location of Post Falls is perfect for those who love the outdoors but also want easy access to bigger cities. Situated just west of Coeur d'Alene, which is a popular destination for those wanting to escape the city, Post Falls offers visitors and residents a variety of outdoor activities, such as fishing in the Spokane River, hunting, hiking and skiing. Spokane, WA, is also only 25 miles west of Post Falls.

Post Falls attracts new residents every day, and its current population is around 44,000. Summers are warm and pleasant, while winters are cold and get an average of 40 inches of snow.

There is not a plethora of public transportation in the area, and most people require their own vehicles to get around. Those that do own a vehicle need to ensure they not only get car insurance, but also that it is an adequate amount. VIU by HUB can save you time by gathering different insurance rate quotes.

Reasons to Obtain Car Insurance in Post Falls

The weather alone is enough to warrant car insurance, as winter conditions increase the risk of accidents. There are also numerous mountain roads in the area, and driving on these can be treacherous in certain conditions.

Another reason for insurance is that many residents in Post Falls commute for work, and Spokane is a popular location for employment. Longer commute times often lead to increased accident risk.

The state also requires all drivers to carry car insurance, and there are penalties for not having the minimum amounts. These usually include fines and license suspension.

Types of Auto Insurance Coverage

There are required and optional types of car insurance. Idaho requires all drivers to have:

  • Bodily injury liability: The minimum coverage limits are $25,000 per individual and $50,000 per accident. This insurance helps pay for injuries caused to passengers and other drivers.
  • Property damage liability: The minimum coverage limit is $15,000. This helps cover expenses related to damage of another's property, which includes vehicles, telephone poles, fences and other items.
  • Uninsured/Underinsured motorist: This helps cover medical bills related to accidents caused by a driver with no, or inadequate, insurance. Insurance companies must provide this type of coverage. However, drivers can reject it in writing.

Drivers can choose to increase the minimum coverage limits, which often decreases their out-of-pocket expenses in the event they are the at-fault party of an accident. Drivers can also add on optional types of coverage, such as collision, comprehensive, medical payments, glass coverage, rental car and roadside assistance.

Factors That Affect Car Insurance Rates

The average annual rate for car insurance in Post Falls is around $800. However, various factors affect an individual driver's rate. For example, the rate for someone who gets minimum coverage is usually less than the rate for someone with full coverage. It also costs more to get just the required coverages, but with increased minimum limits.

Additional factors that insurance companies consider include:

  • Year, make and model of the vehicle
  • Gender, age and driving record of driver
  • Vehicle use
  • Driver's credit history
  • Street vs garage parking

Some companies also offer discounts for things like bundling car and home insurance, safe driving and getting good grades.

Because of the various factors associated with rates for car insurance in Post Falls, let VIU by HUB do much of the work for you. They present you with various quotes from different companies, and then you can choose which one you like best.

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


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