auto

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

Posted on by AgentInsure

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. 

Do You Need Auto Insurance For Parked Vehicles?

Posted on by AgentInsure

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.