Idaho Car Insurance Quotation: Required Coverage
In Idaho, your car insurance quotation will include liability coverage that meets at least the state minimum levels of $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $15,000 for property damage per accident. However, the standard that most insurers will offer in a quote is $100,000/$300,000/$100,000, unless you specify that you want to be quoted on the minimum levels of coverage.
Idaho Car Insurance Quotation: Optional Coverage
Even though Idaho is amongst the lowest in terms of percentage of uninsured drivers in the country, with only 7.9%, it is still prudent to carry Uninsured Motorist coverage. This will protect you in case you get in a car accident with one of those drivers who have no insurance.
Comprehensive coverage is important to carry despite the fact that Idaho is the 7th lowest state in terms of incidences of car theft. While you may not need to make a claim for theft, the chances of another type of comprehensive claim, like storm damage are as high as anywhere else. Collision coverage is necessary for anyone with a car that has a reasonably high value still. It covers any losses incurred as the result of an at-fault accident. Collision is required for cars that have a loan on them still, as is comprehensive coverage.
Another highly recommended optional coverage is medical payments or personal injury protection which covers many bodily injury costs that would not otherwise be picked up. They even provide for things like lost wages.
Other optional coverage choices to consider are towing and labor for when your vehicle needs help to get moving or rental car coverage when you need a rental car.
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