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Best Local Car Insurance Agencies in Boise

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Access First Insurance logo
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Access First Insurance

849 E State St Ste 101, Eagle, ID 83616
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Business Description

Access First Insurance is an independent insurance agency in Eagle, Idaho, that was founded in 2005 with a client-focused business model. Serving residents throughout the Boise metro area, the agency works with over 15 insurance providers to provide drivers with auto insurance. Coverage types include liability, collision, and comprehensive. The agency's other policies help clients pay medical expenses for themselves and any uninsured motorists involved in the accident. Access First specializes in creating insurance plans for drivers with SR-22 filings.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.8 / 5 (14)
Facebook
4.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Affordable Insurance logo
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Affordable Insurance

1117 Cleveland Blvd, Caldwell, ID 83605
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Business Description

Affordable Insurance in Caldwell, Idaho, is a full-service independent insurance agency serving the greater Boise area with an experienced team of auto insurance agents. Offering liability coverage to protect clients who cause loss for others in addition to no-fault coverage which ensures the client and their passengers are protected no matter who is at fault, the company guides clients in finding the right auto insurance for their needs and location. It also offers insurance for boats, RVs, travel trailers, and ATVs, as well as homeowner and renter insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.0 / 5 (20)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Cole Insurance Center Inc logo
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Cole Insurance Center Inc

611 S Orchard St, Boise, ID 83705
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Business Description

Cole Insurance Center Inc. is an insurance provider that has served the Boise, Idaho, area since 1980. It offers personal auto, health, and life coverage. The auto insurance policies include coverage for collisions, towing, and repairs for cars, motorcycles, special value vehicles, trailers, and RVs. Cole Insurance Center also offers commercial property insurance that covers builder's risk, electronics, and machinery. The company provides liability insurance for personal and commercial purposes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (7)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Dailey Insurance Exchange LLC logo
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Dailey Insurance Exchange LLC

1542 S Timesquare Ln # LN101, Boise, ID 83709
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Business Description

Located in Boise, Idaho, Dailey Insurance Exchange is an independent insurance agency. Founded in 2013, it represents carriers like MetLife and Dairyland Auto, amongst others. The agency finds its clients auto insurance policies that provide appropriate coverage for their needs. It can find a wide range of policies, from basic to comprehensive, including non-owners and foreign drivers. The agency's areas of coverage include insurance for homeowners, renters, landlords, and small to specialty businesses.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.4 / 5 (10)
Google
5.0 / 5 (6)
Yelp
4.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
FIG Financial Insurance Group logo
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FIG Financial Insurance Group

13965 W Chinden Blvd Ste 106, Boise, ID 83713
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Business Description

The FIG Financial Insurance Group is an independent insurance agency based in Boise, Idaho. A full-service agency, its advisors find competing personal auto insurance products from its insurance providers and negotiates a price. It ensures the products meet the legal requirements of the state and lender and advises clients on recommended and optional add-ons. The agency also services its personal and business clients from offices across Idaho, western Montana, and Carson City, Nevada.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (89)
Facebook
4.8 / 5 (21)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
hartleyonline.com logo
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hartleyonline.com

931 S Allante Pl, Boise, ID 83709
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Business Description

Hartley Insurance has been offering customized auto insurance policies to drivers throughout the Boise, Idaho, metro area since 1982. Its policies are customized to clients' coverage needs and usually include liability and property damage. With comprehensive coverage, the agency ensures clients can repair or replace their vehicle after losses from fire, theft, or vandalism. Hartley Insurance has experience insuring all types of vehicles, including RVs and motorcycles. The company also offers umbrella policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (135)
Facebook
4.9 / 5 (19)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Higgins & Rutledge Insurance, Inc. logo
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Higgins & Rutledge Insurance, Inc.

1661 W Shoreline Dr Ste 100, Boise, ID 83702
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Business Description

Since 1951, Higgins & Rutledge Insurance Inc. has provided automobile insurance to individuals and businesses in Boise, Idaho. With a diverse group of insurance carrier options, Higgins & Rutledge helps clients choose the right insurance solution to fit their needs and budget. The company's agents advise clients on potential risks and gaps regarding their current automobile policies. Higgins & Rutledge Insurance also sells home, farm, umbrella, and professional liability insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (8)
Google
5.0 / 5 (7)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Idaho Select Insurance logo
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Idaho Select Insurance

3023 E Copper Point Dr Ste 203, Meridian, ID 83642
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Business Description

Established in 2015, Idaho Select Insurance, provides personal and commercial automobile coverage to clients in Meridian and Boise metro area. The independent agents at Idaho Select Insurance advise Idaho drivers on the minimum legal liability requirements and extra coverages for maximum protection. For businesses, the company assesses the levels of protection needed and suggest a variety of options to fit any budget. Idaho Select Insurance also sells watercraft, motorcycle, renters, umbrella, and life insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (27)
Facebook
5.0 / 5 (20)
Yelp
3.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Insurance4Idaho logo
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Insurance4Idaho

8660 W Emerald St Ste 182, Boise, ID 83704
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Business Description

Boise, Idaho-based Insurance4Idaho is an independent insurance agency that has been covering local cars, trucks, and motorcycles since 2005. The agency can tailor clients' auto policies to their budgets and concerns, with most policies including liability, medical, and property damage coverage. Seasonal drivers can switch their coverage to comprehensive only when their vehicle is stored to save money. The agency partners with a variety of leading insurers, including Travelers and The Hartford. Insurance4Idaho also writes renters and homeowners policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (175)
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mustard Seed Financial & Insurance logo
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Mustard Seed Financial & Insurance

501 S Main St, Meridian, ID 83642
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Business Description

Mustard Seed Financial & Insurance is an independent insurance agency located in the Boise, Idaho, metro area, with offices in Meridian and Twin Falls. The company is licensed in several states, including Oregon, Washington, Nevada, Utah, and Wyoming. Auto insurance specialists work with several carriers, such as AIG, Nationwide, and The Hartford, to help drivers get the right policy at an affordable rate. Options include Liability, collision, comprehensive, uninsured and underinsured motorist, personal injury protection, and medical payments coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (118)
Facebook
5.0 / 5 (50)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Silver Key Insurance logo
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Silver Key Insurance

10588 W Business Park Ln, Boise, ID 83709
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Business Description

Silver Key Insurance is a local and independent insurance agency in Boise, Idaho. Since 2006, it has been helping clients from across the state of Idaho obtain auto insurance that is tailored to meet their specific needs. The agency works with several trusted insurance carriers to provide options including collision and comprehensive coverage, liability coverage, and road trouble service. The vehicles it can provide coverage for include motorcycles, classic cars, boats, ATVs, and motor homes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

What is car insurance?

Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

How does car insurance work?

Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

What does car insurance cover?

Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

Does car insurance cover theft?

Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

How does a car insurance deductible work?

A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

Do you need insurance to register a car?

Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

Can you get car insurance without a license?

In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.

Do you need car insurance?

Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.

How much is car insurance a month?

Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.

Why is my car insurance so high?

Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.

How can I get lower car insurance?

Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.

Do you need insurance to rent a car?

In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.

Does my car insurance cover rental cars?

Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.

Can I insure a car not in my name?

In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.

Can you cancel car insurance at any time?

In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.

How can I change car insurance?

Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.

How do you become a car insurance agent?

In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.

How do car insurance agents get paid?

Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.

How much do car insurance agents make?

Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.

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