Janni R Smith Insurance
120 E Lake St # 305
Sandpoint, ID 83864-1366
Phone: (208) 263-7407 | Fax: (208) 263-7695
Janni R Smith Insurance provides residents of Sandpoint with advice and guidance when making important insurance decisions. Their office is located at 120 E Lake St # 305 or call (208) 263-7407 to speak with an agent. Serving Sandpoint and the greater Bonner county area.
Looking for insurance agents in Sandpoint, ID or just trying to lower your premiums? Here are some insurance buying best practices.
- Janni R Smith Insurance may be able to help you find the best insurance rates in Idaho. By using a local Sandpoint insurance agent, you have someone to contact to ask questions, review coverages and help you at claim time.
- Your Sandpoint auto insurance rates can be reduced significantly by raising your collision and comprehensive or 'other than collision' deductibles. If you have an auto accident or your car gets damaged in a hail storm you'll have to pay more to have the damage fixed, but higher deductibles mean less premium each year and your savings may more than make up for the increased cost at claim time.
- Sandpoint home owners can reduce their insurance premiums simply by raising their insurance deductible. A deductible is the amount of money you pay out-of-pocket when you have a homeowners insurance claim. By agreeing to pay a higher amount, your insurance company will reduce your homeowners insurance premium. As long as you don't have frequent claims, the savings on your lower premium could add up to more than the additional deductible you have to pay at claim time.
- Consider taking a driver training course. Many car insurance companies will give you a discount if you've completed a defensive driver course in Idaho. Check with your Sandpoint agent to find out if that discount exists with your current company.