Living in the Idaho Falls, ID area presents individuals with various important decisions to make, and among them is the choice of whether to invest in auto insurance. Even if you consider yourself a safe driver, having an auto insurance plan in place can offer numerous advantages that make it a good option.

Protection for your Vehicle and Financial Assets

One of the primary advantages of having auto insurance in Idaho is the protection it offers for your assets and finances. In the event of an accident, whether it’s a minor or a more serious collision, the costs of vehicle repairs, medical expenses, and legal fees can quickly add up. Fortunately, if you have a full collision and comprehensive plan, you will receive financial support so you can cover liability costs and repair your car.

Comply with Auto Insurance Requirements in the State

You also will want to have auto insurance in Idaho to comply with all legal requirements. When driving a car here, you are obligated to carry a certain level of liability coverage. If you do cause an accident, this ensures you have financial support to cover any related damages. If you carry this insurance, you will remain in good standing with the law and avoid penalization.

You always want to ensure you have the proper insurance in the Idaho Falls, ID area. If you want to get this auto insurance here, you can get the support you need by calling our team with Insure It All. Our professionals with Insure It All know the value of this coverage and will ensure you have all of your questions answered to help you select the right plan and policy for your situation. 

If you own a car and live in Idaho Falls, ID, you are legally required to insure your vehicle. Idaho has clear requirements, and if you drive a car without meeting them, you could be subject to hefty fines.

We here at Insure It All want to help, so here’s a quick breakdown of the state rules for auto insurance.

Liability

If you are responsible for property damage via your motor vehicle, you will likely be held liable to pay for those damages. As these kinds of injuries can quickly run in the 10s of thousands of dollars, the state of Idaho requires a minimum amount of property damage liability coverage.

According to the state, the minimum you can have in your policy is $15,000 for property damage coverage. That is, your insurance policy will require the insurance company to cover up to this amount of damage.

Personal Injury

If someone is hurt via your motor vehicle, then a different kind of liability coverage comes into play. This coverage can help with medical bills, lost income, and other financial hardships related to your accident.

The minimums for Idaho Falls, ID, are $25,000 per person and $50,000 per accident.

Keep in mind a couple of things about these minima. First, they don’t directly protect you or your vehicle at all. These liability requirements only cover people and property you might harm or damage.

Second, these limits determine how much your insurance provider must pay according to your policy. It’s entirely possible that you could be held liable for money beyond this coverage. In that case, you’re on your own.

Because of that, many people opt for more comprehensive insurance policies that protect themselves, their vehicles, and their liability risks beyond minimum state requirements. If you want to explore all of your options, talk to your Insure It All representative.

If you drive your car to make money, you may have concerns about your insurance coverage. Most people don’t go their vehicles for a living, making coverage terms a little trickier to navigate. Insure It All presents this article for all Idaho Falls, ID personal delivery drivers.

Delivery Contractors Are Different From Employees

Delivery contractors are covered by a different set of insurance requirements than employees. In the eyes of the law, self-employed individuals are their bosses. As a result, they’re not entitled to the same benefits as an employee, such as car insurance.

If Your Delivery Partner Offers Insurance, It’s Probably Not Enough

If you’re a delivery driver, you need to check with your app partner about insurance coverage. Some companies, such as Amazon and Door Dash, will offer an excess range if you are in an accident with damages exceeding your policy limit. However, you are required to have a personal policy first. Others, like GrubHub, need you to have your policy and offer zero coverage.

Coverage You Should Have

Some insurance companies will insist you get a commercial auto policy for using your car as a work vehicle. Business use has risks that aren’t usually faced by personal service. Even if you aren’t required to get commercial insurance, you might need added coverage for your existing policy. Some companies even offer a particular type of insurance just for delivery drivers.

Bottom Line

Keep in mind that there is no one-size-fits-all solution for insurance. Your specific needs will determine what kind of coverage you need. Ask your Idaho Falls, ID agent at Insure It All for more information.

If you live in Idaho Falls, ID, you understand that auto insurance is a must, but do you know how you can get the most out of your auto insurance coverage? If not, don’t scratch your head wondering where to start. Insure It All is here to help you harness the power of your car insurance. 

Here are the tips.

Understand your auto insurance policy carefully

You can’t get the most of your auto insurance until you understand the nitty-gritty of your auto policy. Unfortunately, most motorists are quick to sign the policy without understanding what it contains. Before signing that policy, understand what it covers and what it doesn’t. If there are clauses you are unsure of, your insurance agent should help you dissect your auto insurance policy.

Choosing a dependable insurance agent

An insurance agent is a life partner for your business. They act as your financial advisor, help you analyze your risk profile, and assist you in choosing coverages. Getting it right with your insurance agent is the first step to getting the most of your auto insurance. 

Review your auto insurance annually

It’s essential to update your auto insurance to ensure that your current needs are covered. Reviewing your auto insurance ensures that you aren’t underpaying or overpaying your premiums. Besides, it deters you from incurring out-of-pocket expenses when disasters strike.

Just like car maintenance isn’t a “set and forget" thing, the same should go to your car insurance. Review it often to ensure that it protects your current circumstances. 

Do your homework

When shopping for auto insurance, do due diligence by making comparisons across different carriers. Compare features like reliability, costs, and so forth. Besides, consider customer online reviews and family and friends feedback when narrowing down to the companies of interest. 

Car insurance in Idaho Falls, ID

Are you looking for a dependable auto insurance agent in Idaho Falls, ID? If yes, you can trust Insure It All for all your auto insurance solutions. Contact us today for a partnership.

When it comes to choosing auto insurance, it might be a hard decision, whether you live in Idaho Falls, ID or any other part of the country. However, if you have the right information, it is much easier to find a perfect plan. Remember that an insurance agent is the best source of information. Asking these few questions before you buy a car policy will help you to get the protection you need. 

What Is Covered If I Get Involved in A Car Accident And My Car Is Damaged?

One of the most popular misconceptions is that car insurance will automatically cover everything, including the repairs, replacement of a car if needed, towing fees, and others. However, the reality is that without a proper insurance plan, you may not have these benefits. Make sure you discuss this with an insurance agent and find out whether optional coverages are available. 

What Will I Have To Pay Out-of-pocket If An Accident Happens?

The amount that you will have to pay out-of-pocket depends on the type of coverage you have and deductibles. If you want to have lower monthly premiums, for example, you can pick the plan with higher deductibles. However, it means that your out-of-pocket expenses in case of an accident will be higher. Do not forget to talk about it with an insurance agent, who will help you to make the right choice.

What Is Covered If Someone Is Injured Or Dies In An Accident? 

The part of auto insurance that provides compensation for injuries to others involved in an accident is called bodily injury liability. It covers medical and hospital bills, legal fees, lost wages, rehabilitation, and other expenses. Though bodily injury liability is a requirement in most states, its minimum level of coverage may not provide adequate protection. Ask your insurance agent about bodily injury liability and the limits your policy has. 

Asking an insurance agent questions about auto insurance before purchasing a certain plan is the best thing you can do. If you are searching for a car insurance plan and need more information, experienced agents from Insure It All serving Idaho Falls, ID are ready to assist you. Give Insure It All a call today to find out what the options are available and how your vehicle can be protected. 

Most teens can’t wait for the freedom that a driver’s license represents.  Most parents, though, groan with anxiety.  While this may be a reasonable reaction, young drivers still need insurance coverage if they are going to drive.  The problem is that teens, on average, have a higher ticket rate and are more prone to accidents.  This makes them expensive to insure.  Parents facing high premiums can heave a sigh of relief because there are things that can be done to lower premiums.  At Insure It All, our agents work with parents and teen driver in the Idaho Falls, ID area.  So that can work to keep both the teen and Mom and Dad happy.

While a sports car is alluring, it’s best if the new driver starts out on something less flashy.  While this may not be their style, it is much easier to insure them in a less showy vehicle.  The next step is to enroll them in a driving school.  Talk with your agent as this may give a discount.  Next, find out if the young driver can be included on their parents existing policy.  If you are divorced, discuss whose policy the teen will be enrolled in.  From the beginning of this process, involve the teen driver so that they understand how insurance works and how important it is to keep a clean driving record. 

Your agent will be able to talk to you about any good student discounts that may be available.  Parental monitoring tools may also provide further discounts.  This alerts parents to reckless driving behaviors such as sudden hard braking or speeding.  

At Insure It All, the agents understand the needs of teens and their parents in the Idaho Falls, ID area.  Visit the website for tools and information then come into their offices.  They know how to keep teens covered!