When you have a car in Boise, ID, it’s important to know about the safety features that have the ability to save you money. After all, if you can save on your auto insurance policy, you should explore the opportunity. All it takes is looking at the different features before you purchase a car.

Air Bags

Air bags are one of the most important safety features. While virtually every car has them, some makes and models have more than others. At Fuhriman Insurance Agency, we can even recommend some of the safest cars on the market.

Anti-Lock Brakes

Anti-lock brakes have saved drivers from a number of collisions. It will help you to lock your brakes to avoid hitting another car, especially at high speeds.

Blind Spot Monitoring

If you have ever had a side collision with another car or hit a car because they were in your blind spot, this is a great feature. Your side mirrors will light up to tell you there is a car in your blind spot. You can then take precautions to avoid hitting another car (or cyclist or pedestrian).

Roll Bars

Many cars, as well as Jeeps and trucks, have roll bars. In the event that there is an accident where you actually roll, it will protect the frame of the car and anyone inside. This can save lives and reduce the likelihood of major damage to the vehicle.

Driver Assist Systems

A variety of car manufacturers are now incorporating driver assistance systems. These are computers that will help you as a driver. They can notify you when you are getting too close to another vehicle, and can even help you with parallel parking, emergency braking, and various other driving scenarios.

Learn more about saving money on our insurance in Boise, ID by contacting Fuhriman Insurance Agency today.

When you first contact Fuhriman Insurance Agency looking for a policy that fits your needs, you’re going to have to consider to what extent your car is a personal vehicle, and to what extent you’re using it for work. It’s not always as cut and dry as, say, patrolling as a security guard and driving a car that belongs to the security agency, and trusting that your employers have you covered. If you drive for Uber or deliver pizzas in your personal vehicle, for instance, then you need to make sure that you’re getting a policy that reflects that. Fuhriman Insurance Agency can help Boise, ID drivers to find that policy, but you can’t just start driving professionally and hope that your current policy has you covered.

Some insurance companies won’t cover you at all if you drive for a living, but you are nevertheless going to be looking at personal insurance policies to get coverage for a car that serves as both a personal vehicle and a work vehicle.

Some companies will provide supplemental insurance while you are working for them. Uber, for instance, will offer additional coverage any time the app is actually in use. Many delivery restaurants offer the same deal. However, your employer or the agency you’re working for is not able to offer full coverage in Boise, ID. You need to talk with your insurer, let them know what you do for a living, and make sure that you are covered against all the risks that that entails.

In short, getting your personal car covered for work use is pretty easy for most drivers, but you can’t take it for granted, you have to ask your insurer about getting covered for business use.

When it comes to insuring your home, it can be difficult to decide if your home needs a policy or not. There are of course legal considerations, but there are also considerations of rebuilding as well. The agents with Fuhriman Insurance Agency in the Boise, ID area can help you get your policy set up and ready to go.

The simple answer to this question is yes, every home needs an insurance policy unless you have the money lying around to rebuild after the home is damaged or destroyed. Most people do not have hundreds of thousands of dollars lying around so making sure you keep up a policy that has enough coverage is going to make a huge difference in how quickly you can rebuild.

Homes that are already paid for are not legally required to have a home insurance policy, but they can still benefit from keeping a policy. As mentioned before, if you do not have a home insurance policy, it is going to be your responsibility to come up with the money to either rebuild or repair or even buy a new home if yours is destroyed or damaged.

For a few hundred dollars a year you can protect your home and make it possible to collect an insurance pay out to rebuild or repair if your home is damaged. Your home is a very important part of your life and protecting it with a home insurance policy is the best way to make sure you always have a place to live and that you can recover if something happens to your home.

If you live in the Boise, ID area, the agents with Fuhriman Insurance Agency can help you find the policy that fits your home each and every time.

In Boise, ID, it’s common for people to forget about the importance of their auto insurance. Until you actually need it, it can just seem like another unwanted bill you have to pay. But there are so many reasons to be glad that you have it rather than annoyed, and Fuhriman Insurance Agency can give you a few key points to remember.

1. Your Savings Account Is Never Enough

This particular reason doesn’t just mean that you never seem to have the funds to pay for that new handbag or necklace you want. When an accident happens, you could be deemed responsible for tens of thousands of dollars for both property damage or bodily injury. Almost no one in the world has that type of savings account to cover it all.

2. Keeps the Law at Bay

When you don’t have enough money to cover the damage, you’re subject to legal threats and more. While no one can extract money from that you don’t have, not having car insurance can mean having wages garnished for years or possibly even ending up in jail. No matter how you look at it, you really can’t afford not to have it.

3. You Need Someone to Call

When something happens in Boise, ID, you need to have someone to turn to other than just your family and friends. Fuhriman Insurance Agency can provide much more than just sympathy. The right agency can give you both helpful advice and the crucial financial assistance when you need it most. This type of safety net is truly priceless to those in complicated situations. Call to find out more about how our agency has been helping our clients for years and what we can do to get you the right policy.

Temperatures can drop severely in Boise, ID. You should think about protecting your home for the winter before the weather becomes extremely harsh.

• Overhanging Trees – Trees that are not trimmed properly can have old branches that weaken when the weather changes. Weak branches can fall on your roof or damage other areas of your home. Make sure these branches are taken care of before winter arrives.
• Water Heater Temperatures – Lower the temperature of your water heater by 20 degrees. Most heaters usually push hot water at 140 degrees. If you manually decrease the temperature to 120, you could save lots of money as well as reduce wear and tear on your water pipes.
• Ceiling Fan Direction – During the winter, change your ceiling fan’s direction. Switch it from counterclockwise to clockwise. This will allow the heat, which naturally rises, to be pushed down by the circulation of the fan. Warm air will travel down and help keep your rooms warm. Changing the direction of the ceiling fan is a simple, yet great way to minimize heating costs.
• Door Locks – Extremely cold weather can contract metal door locks causing the key to freezing inside the locking mechanism. A simple solution is to spray a small amount of lubricant in the lock to prevent freezing.
• Check Your Policy – Winter begins at the end of the year, so it’s a good time to go over your policy and make sure you’re covered. Understanding your coverage for winter accidents or mishaps will give you peace of mind. It is also a good time to add extra coverage if it is needed.

Boise, ID residents, can have our expert agents helping them with their home insurance policy. We can also offer assistance with new or existing life, health, and auto insurance policies.