Auto Insurance

When Should You Get Auto Insurance If You’re Buying a Car?

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The process of choosing a car insurance policy can be stressful if you’ve never had car insurance before. Before you buy a vehicle, it’s important to have a plan for getting car insurance. This is why many people turn to the professionals here at Fuhriman Insurance Agency servicing Boise, ID. We provide insurance help for people who want to find the right plan at the right price. Here’s what you need to know about getting insurance if you’re hoping to buy a car.

Why Do You Need to Get Car Insurance?

Car insurance is a requirement for driving a vehicle. If you own a vehicle, you must have car insurance to drive it. 

When Should You Get Car Insurance?

If you’re buying a car at a dealership, you will likely be required to prove that you have insurance before you can drive the vehicle off the lot. If you’re getting a loan to pay for the car, you may need to prove you have full coverage auto insurance before borrowing the money. Auto lenders typically require this type of insurance before they provide a loan. 

You will not be able to get an insurance policy before you’ve selected a vehicle, however. Getting insurance and getting a vehicle need to be done at the same time. Once you have a specific vehicle in mind, you can call your insurance agent to provide the specifics about the car (including make, model, and VIN). 

How Do You Choose a Car Insurance Policy?

Before you start shopping for cars, contact the professionals at Fuhriman Insurance Agency, servicing Boise, ID, to learn more about the process of getting an auto insurance policy. We can help answer your questions about auto insurance, so you’ll be prepared to get auto insurance when you need to buy a car. Call today. 

Are Customized Vehicles Covered Under Toy Insurance?

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Acquiring toy insurance is a surefire way to protect your toy vehicles and other RVs that you may take out every now and again. But as with any other kind of vehicle and insurance, it’s important to know what you’re purchasing and what degree of coverage you actually receive. For example, if you purchase toy insurance, will your toy insurance cover any toys that have been customized, or will you only receive coverage up to the amount of the original vehicle’s cost? Let’s take a look at what coverage will look like under toy insurance, and how you can find the right toy insurance policy with us at Fuhriman Insurance Agency, serving the Boise, ID area. 

Will Toy Insurance Cover Customized Toy Vehicles?

As with most insurance policies, toy insurance is only going to cover the replacement value of the actual vehicle. This means that you’re covered up to however much the vehicle costs when you initially purchase it. Any further customizations won’t be covered since they naturally raise the cost of the vehicle. That being said, you aren’t out of luck if you decide to customize your toy vehicle and need coverage to protect it. You can easily get add-ons that will help you cover customizations so that you have further coverage you wouldn’t otherwise have with a traditional toy insurance policy. Reach out to your desired policy provider to learn more about what add-ons they offer so that you receive bespoke insurance designed around your needs. 

Discover Toy Insurance Options With Fuhriman Insurance Agency

Are you looking to protect your toy vehicle investments? If so, start here with Fuhriman Insurance Agency, serving Boise, ID. We can help you compare your options so that you get the best insurance policy at the best price.

Do You Need Auto Insurance For Parked Vehicles?

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It might seem unnecessary to insure a vehicle you don’t drive, but you may still need insurance for parked vehicles, including those stored in your garage. Here’s everything you need to know about auto insurance for non-operational vehicles.

State Requirements

Many states require insurance coverage for all registered vehicles, even if they are not being driven. If you fail to maintain insurance, you could face penalties such as fines or the suspension of your driver’s license. To ensure compliance, consult with a professional at Fuhriman Insurance Agency to determine the legal insurance requirements in the Boise, ID, area.

Penalties

Not having insurance for parked vehicles can result in significant consequences. You may lose your driver’s license, and the cost of insurance could increase over time. Some insurance companies impose penalties or additional fees if they discover a lapse in coverage during any period.

Insurance Discounts

While many people avoid insurance due to its cost, it may be more affordable than you think. You could qualify for discounts based on factors such as your age or an excellent driving record. Additionally, parked vehicles often qualify for lower insurance rates since they are not actively being driven.

Rather than risking fines or penalties by forgoing insurance, it’s often more cost-effective to maintain coverage. An insurance agent at Fuhriman Insurance Agency can assess your situation and help you find an auto insurance policy that fits your needs. Contact us today to learn more. We proudly serve the Boise, ID, area.

What are the advantages of getting auto insurance in Idaho?

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For many residents of Boise, ID, owning a car is a necessity to navigate around the community. Along with owning a car or any other vehicle, it’s also crucial to secure the right insurance. There are several benefits to having an auto insurance plan in the state of Idaho.

Vehicle Protection

A primary reason to get an auto insurance plan in this part of Idaho is to protect your vehicle. Purchasing a vehicle is a significant investment. The right insurance coverage provides support if your car is damaged due to an accident, vandalism, or theft. This ensures that you can cover the cost of replacing the car or making major repairs.

Liability Coverage

Your auto insurance policy also provides liability coverage. There’s always a risk that you could cause an accident when driving a car. However, with the right insurance coverage, you will have the support you need. A comprehensive auto insurance plan helps you manage your liability risks and ensures you comply with the state’s minimum insurance laws.

If you are in Boise, ID, and want to ensure you have the right insurance at all times, our team at Fuhriman Insurance Agency can provide the support you need to build a suitable insurance plan. When you contact our professionals at Fuhriman Insurance Agency, we can help you assess your insurance needs and provide the necessary support to build a plan.

When Should You Consider Using Specialty Tires on Your Car?

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Here at Fuhriman Insurance Agency, proudly providing auto insurance to residents in and around Boise, ID, we want to help our customers do everything they can to avoid an accident while ensuring they are ready in the event one happens. One way you may be able to avoid an auto accident is by having the right tires on your car.

When Should You Consider Using Specialty Tires on Your Car?

Specialty tires are special kinds of tires made for different driving situations. For example, winter tires are great if you live where it gets really snowy and icy. They have deeper treads and are made from a special rubber that stays soft when it’s cold, which helps your car grip the road better. All-terrain tires are another type, and they are perfect if you like driving on rough, bumpy roads. These tough tires give you a good grip on rocks, mud, and dirt.

Performance tires are for drivers who want their cars to handle really well and go fast, especially on smooth, dry roads. These tires have stiffer sides and special patterns on them that help your car turn better and respond quickly. But they might wear out faster and cost more. Thinking about where you drive, the weather, and the type of car you have can help you decide if these special tires are right for you.

When You Need a New Auto Insurance Policy, Reach Out To Us For a Quote

You cannot prevent every accident from happening, which is why it’s important to be prepared. Here at Fuhriman Insurance Agency, serving Boise, ID, we can help. Call or email us today to learn more about our auto insurance products.

How Boise, ID Weather Patterns Can Affect Your Auto Insurance Policy

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Although the weather in Boise, ID is typically mild year-round, some weather conditions can negatively impact your drive. Learn how local weather patterns can affect your auto insurance from the professionals at Fuhriman Insurance Agency. 

Winter Weather Risks for Boise Drivers

Weather conditions like snow, ice, and thick fog can lead to more head-on collisions and sideswipes as local drivers try to navigate slick or icy roads. An increase in regional auto accidents can lead to higher out-of-pocket expenses without the proper auto insurance coverage in place. 

Hailstorm Risks 

The latest group of damaging storms has produced record-breaking sized hail that can wreak havoc and cause significant damage to local automobiles that aren’t safely tucked away in a protective carport or shielded from damaging hailstones by a garage. 

Wildfire Risks 

Increasing local risks for wildfires can also contribute to hazardous driving conditions for Boise area residents. Investing in a comprehensive auto insurance policy can help shield your automobile and your finances from the devastating financial fallout that can occur due to unpredictable weather in the region. 

Get Comprehensive Auto Insurance in Boise, ID 

One of the best ways to protect yourself and your four-wheeled investment from the damaging and unpredictable effects of rapidly changing weather patterns is to invest in a comprehensive auto insurance policy that covers collision and non-collision-related incidents. 

Talk to a trusted local insurance agent at Fuhriman Insurance Agency in Boise, ID, to learn more about how you can get coverage for natural disasters, theft, vandalism, and animal collisions.

Our knowledgeable and friendly agents can provide professional guidance and offer you a customized auto insurance quote based on your driving history and budget.

Steps to Take After a Car Accident

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Car owners are responsible for maintaining auto insurance. If you live in the Boise, ID, area, we invite you to visit us at Fuhriman Insurance Agency. We offer the services of our knowledgeable staff, who will take the time to listen to you and develop the right auto insurance policy for your needs. 

Reporting an Accident 

Drivers need to contact their insurance carrier as soon as possible after the accident. Your insurance company will need information to conduct a claim investigation. Drivers involved in a car accident should also take pictures of their cars afterward.

Determining Who Is at Fault 

According to the Idaho Department of Insurance, the driver at fault will be determined after an investigation by the insurance company. Both drivers might be found to be at fault. Many people don’t know that fault is not automatically assigned to a driver who has been issued a ticket for a traffic violation.

Car Rental Coverage 

If damages from a car accident result in car repairs, you may wonder if your insurance will cover a rental car. If your auto insurance approves payment for a rental car, the payment will continue when repairs are made. Your policy will limit the amount of car rental reimbursement. Some insurance companies will not pay for a rental car if your car is declared a total loss. 

Call Us Today for an Appointment 

Residents of Boise, ID, looking for auto insurance solutions, will find them at Fuhriman Insurance Agency. The agency’s founder, Dan Emery, began serving insurance clients in the Boise area in 1962. We have continued to provide responsive service to the community. Call us today to discuss options that will fit your auto insurance needs. 

What unique coverage options should I consider when building an auto insurance policy?

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Owning a car is important for those in the Boise, ID area. If you plan to buy a car in this area, you need to get the right insurance for it. There are many unique coverage options when building your next auto insurance plan.

Rental Reimbursement

If your car is ever damaged and you need repairs, you could be without a vehicle for days or weeks at a time. A rental reimbursement clause in your insurance plan will provide you with rental car reimbursement during this time. 

Gap Insurance

Auto insurance tends to provide compensation up to the market value of a vehicle. For many car owners, particularly those who have taken out a loan, there is a time when the loan balance exceeds the market value. A gap insurance benefit and policy will cover this gap to ensure you can pay off the loan. 

Uninsured Motorist Coverage

There are situations when a motorist may cause an accident. While they are responsible for damages, they may not have the proper insurance in place. With an uninsured motorist coverage plan, you will get the support necessary to cover your damages if the at-fault party does not have enough coverage to pay for all damages incurred. 

There are many important factors to consider when you are building an auto insurance plan in the Boise, ID area. If you choose to purchase a car here and want insurance support, call our Fuhriman Insurance Agency team. Our team knows all about this coverage and will offer the help you need to build your next policy. 

What is the benefit of having an auto insurance plan in Idaho?

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Anyone that lives in the Boise, ID area will find that owning a car is a good idea. With a car, you can get around the community and enjoy all the local amenities. When you choose to buy a car, you must also get insurance. A lot of benefits will come with having an auto insurance policy in this area. 

Cover Your Car

An important benefit that will come when you have an auto insurance plan here is that you can cover your car. If you are going to invest in a vehicle, you will be making a large purchase that you will want to enjoy for a long time. A great way to protect this vehicle is by getting an auto insurance plan with full coverage. With comprehensive coverage, you can have the support needed to replace or repair your vehicle if you incur a loss. 

Comply with all Obligations

A full auto insurance plan will also ensure you comply with all obligations. If you buy a car, you will likely take out a loan, and the lender will require you to carry comprehensive insurance. Further, the state of Idaho requires all drivers to carry liability coverage. You will remain in good standing with all such obligations if you maintain an auto insurance plan. 

It is always a good idea for people in the Boise, ID area to get an auto plan for their car. When you are ready to start looking for coverage here, call us at the Fuhriman Insurance Agency. At the Fuhriman Insurance Agency, we know the value that comes with this coverage. We can offer the guidance you need to build a plan that covers your vehicle correctly. 

Safety for Driving With Kids

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Staying safe on the road is one way to keep your insurance costs low. When kids are in the car, it can feel challenging to ensure everyone is traveling safely. Here at Fuhriman Insurance Agency, we aim to help residents of Boise, ID, and the surrounding areas learn more about road safety and auto insurance. Keep reading to learn about safety tips for driving with kids. 

Clear Car Rules

Getting kids on board with rules is much easier when they know what is expected of them. This is why it is essential that you set clear-cut car rules. Some suggestions might be:

  • Seatbelts are worn at all times
  • Soft inside voices while riding
  • Pause fighting and arguing until you have exited the car

When rules are clearly defined and consistently enforced, it is easier for children to follow the rules and remember how important they are. 

Choose Toys Carefully

You should only allow your children to have and play with toys in the vehicle that will not pose a potential risk to you as the driver. It is better to restrict certain toys than to run the risk of the toy causing an accident. Toys that fly or float should not be allowed, such as toy airplanes that can be thrown or balloons. You might also want to limit toys that make loud sudden noises. 

Enforce Car Seat Laws/Rules

It is vital that you follow car seat and booster seat recommendations for your children. You should check with your local police station to find out what car seat requirements are in your area. 

If you want to learn about auto insurance, please get in touch with us at Fuhriman Insurance Agency, serving Boise, ID, and the surrounding areas.