Most states require motorists to buy auto insurance. And if you are on a budget, you might be tempted to stick to basic auto insurance to meet the state’s minimum requirements. But is this enough? Of course not. It would be best if you had more than the state-required auto insurance to protect yourself, your car and your family. But how much auto insurance do you need? Fuhriman Insurance Agency of Boise, ID has the answer.<\/p>\n
What’s the minimum insurance I need?<\/strong><\/p>\n If you want to have adequate car insurance, you first need to meet the state’s requirements. For instance, motorists must purchase bodily injury liability of $50,000 per accident and property damage liability of $15,000 for every accident in Idaho. Underinsured and uninsured motorist policy is required, but you can reject this in writing.<\/p>\n How much liability insurance do I need?<\/strong><\/p>\n Liability insurance covers bodily injury and property damage to others. It also covers legal costs should you be sued. We usually advise clients to maintain liability coverage of $500,000, covering bodily injury and property damage liability.<\/p>\n However, if you need additional liability coverage of, let’s say, $1 million, we advise you consider umbrella insurance.<\/p>\n How much physical damage coverage do you need?<\/strong><\/p>\n Opt for comprehensive or collision coverage that can compensate the full amount if your vehicle is totaled. As for deductibles, choose an amount that you are comfortable with. But remember, the higher the deductible, the lower the premiums — and vice versa is true.<\/p>\n How much medical payment coverage do I need?<\/strong><\/p>\n This depends on whether you have a health insurance plan and its benefits. But even if you have health insurance coverage, you should consider MedPay because it gives you and your family additional coverage like partial wage compensation.<\/p>\n Still not sure how much auto insurance you need? Please get in touch with Fuhriman Insurance Agency of Boise, ID for an affordable quote. <\/span><\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":" Most states require motorists to buy auto insurance. And if you are on a budget, you might be tempted to stick to basic auto insurance to meet the state’s minimum requirements. But is this enough? Of course not. It would be best if you had more than the state-required auto insurance to protect yourself, your […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[34,33],"class_list":["post-352","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-boise-id","tag-fuhriman-insurance-agency"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t