Auto Insurance

Don’t Pay Too Much for a Road Trip or Auto Insurance

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Drivers should never have to pay too much for auto insurance or to go on a road trip. If you live in Boise, ID, we at Fuhriman Insurance Agency will help you make sure you aren’t paying more than you should for auto insurance. We also have a few tips for making sure you don’t spend too much on a road trip.

Don’t Pay Too Much on a Road Trip

One of the beautiful things about road trips is that they can be scaled to meet almost any budget. If you have lots of disposable income, you can rent a convertible and stay in fancy hotels. If you are short on cash, you can take your car and crash on friend’s couches.

No matter how fancy or frugal the next road trip you take will be, however, you shouldn’t spend more money than you have to. To ensure you don’t spend unnecessarily, you can:

  • check real-time gas prices online
  • shop around for lodging online before you leave
  • use coupons when stopping for meals at fast food establishments

Don’t Pay Too Much for Auto Insurance

Similarly, you shouldn’t overpay for auto insurance — no matter what type of car you drive. At Fuhriman Insurance Agency, we have independent insurance agents who are licensed in Idaho and able to help you find the most affordable auto insurance available to you. Our auto insurance agents will compare policies from different insurers in Idaho, so you can be sure you have a policy with the insurer that charges the least.

To speak with one of our agents, either call our office or contact them through our website. They’ll start working with you as soon as you get in touch.

Does Your Roommate Need a Seperate Renters Policy?

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One question we often receive from our policyholders is whether or not roommates need to have separate renters insurance policies. The answer is both yes and no, with the final decision depending on your unique situation. Here are a few things to consider.

Where You May Want to Share a Policy

The vast majority of insurance carriers allow up to two unrelated adults to share a renters insurance policy. This means that if you only have one roommate, then sharing is definitely a possibility. It also allows the two of you to split the premium cost between yourselves versus each person paying for their own coverage.

(Note: One important thing to remember is that your roommate is not automatically added to your policy. You will want to talk to your agent directly to get this done at the time of moving in.)

Where You Can’t or Might Not Want to Share a Policy

However, there are situations where you can’t share a policy or may not want to do so. For example, if you have more than one roommate, you will have to each get separate coverage. But there are a variety of different scenarios that make choosing to get individual renter’s insurance policies an important decision.

Those who are sharing a house or apartment with someone that they don’t really know or trust should consider individual policies. Why? Having coverage together means you are linked together. If there is ever a claim, both of your names will be on the claims check. If you are in a situation where the two of you no longer get along or someone moves away, this can make things difficult.

Ultimately, the decision whether or not to have separate policies is up to you and your roommate. For a no-obligation renters insurance quote, please contact our team at the Fuhriman Insurance Agency today.

Give Your Car The Best For The Fall

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You want to give your car the very best for the fall months in Boise. There are various things that you can do to ensure that your car still gets the performance, even though the weather is colder. You can also be more comfortable as you drive by having a car mechanic check on a few things for you.

One of the first things you need to realize is that batteries are affected by colder weather. This means you want to make sure that the battery is in good condition and that the charging system is working effectively. Be sure that the connections are clean and clear. You may also want to look into replacing your battery if it has been years.

Have your brakes checked. As you drive throughout Idaho, your brakes are going to be tested more throughout the fall and winter them throughout the rest of the year because of ice and snow.

Your tires need to be checked as well. You want to make sure to have sufficient tire tread depth. You may also want to look into replacing your tires with a specialty tire that is capable of gripping the roads more effectively.

Also, schedule an HVAC inspection with a local mechanic. They will be able to check such things as:

  • Defroster unit
  • Heating system
  • Cabin air filter

There may be things you want to replace as well. Check on everything to make sure that your car is in good condition. You may want to replace wiper blades on the front and back windshields. If you are driving in any particularly snowy or icy areas, you may also want to think about snow chains.

Call us at Fuhriman Insurance Agency today. One of our agents can talk to you about coverage with your policy and work to get you an affordable rate.

 

Keep Your Car in Shape During the Summer Months

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For many people in Boise, ID, summer is a season of fitness. It’s the best time of year for enjoying the outdoors. For cars, however, the summer months can take a toll. Just as you like to stay in shape throughout the summer, it’s important to keep your car in shape during the hottest months of the year. Here are some of the best tips we have complied at Fuhriman Insurance Agency have on how to keep your car running well during the summer.

Keep Your Car Properly Maintained

Auto maintenance can’t be neglected during the summer months, even though it may be tempting to forgo an oil change in favor of a few more hours at the beach. No matter how busy you are this summer, be sure to:

  • go to a car wash after driving through a construction zone to wash of debris left on your car
  • keep your tires properly inflated to the PSI levels stipulated in your owner’s manual
  • never skip an oil change

The third item, having your oil changed on time, is especially important if you plan on taking any road trips this summer. Skipping an oil change will could cause damage to your car’s engine during your road trip or in a few years.

Keep Your Auto Insurance Updated

It’s also easy to forget about your auto insurance during the busy summer months. If you have any significant changes to your own financial situation or your car, however, you should review your auto insurance policy with an independent insurance agent who is licensed in Idaho. They can help you make sure your policy is still current or help you find a new one if it’s not.

If you haven’t compared your auto insurance to policies that are currently on the market, log onto our website. We make it easy to find out what premiums insurers are charging right now for different coverages, and we have explanations of the different coverages available. If you need additional assistance, call one of our independent insurance agents at Fuhriman Insurance Agency.

Keep Awake When You’re Driving

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When you are driving throughout Boise, Idaho you need to stay alert on the roads. Tens of thousands of accidents occur around the United States every year because someone is drowsy. Approximately 37% of drivers have even fallen asleep while being behind the wheel, and this is extremely dangerous. Even if you nod off for a few seconds, a lot can happen during that short time frame.

Here are five ways to stay more alert:

  1. Get more sleep – The National Sleep Foundation recommends that everyone gets at least 7 to 9 hours of sleep every night.
  2. Take Breaks – When you are driving long distance, you should take a break from driving every two hours or 100 miles so that you have a chance to relax your eyes and a little bit.
  3. Drive with Someone – Have another licensed driver in the vehicle with you when taking long trips so that the two of you can share driving responsibilities back and forth until you reach your destination.
  4. Keep Occupied – You need to focus on the road and make sure that you are awake, so you may want to talk to someone else in the car, listen to music, or focus on various other things on the road to ensure that you are not going to nod off.
  5. Be Honest – At some point, you may reach a time when you are simply unable to stay alert on the roads. Pull off at a rest area and take a nap, ask a friend to drive you home, or call for a taxi. Whatever you do, don’t risk driving if you think you are going to fall asleep.

At Fuhriman Insurance, we look forward to helping you with auto insurance and the many ways to stay safe on the roads. Call today to receive quotes for an affordable auto insurance policy.

 

 

5 Things To Have Ready When Getting Quotes

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Many people choose to live in Garden City, Idaho as it is close enough to Boise to offer a simple commute. The home values are a little lower here than elsewhere in the state and it is also quieter than the hustle and bustle of the big city. The majority of things to do in the area are located within Boise, so many people are on the roads throughout the 83714 area.

When you want to get quotes for car insurance, you can work with agents. There are a lot of things that the agents will ask you in order to get the best pricing, so you want to have everything ready.

VIN Number

The VIN is going to provide details about your car to the car insurance company, including make and model and safety features.

Driver’s License Number

Your driver’s license number will be needed to run a simple report. This will tell them about speeding tickets and other information on your record to determine the cost of quotes.

Accident History

Whether it took place in the 83714 area or not, you will want to list off any accidents that took place over the past three years.

Desired Coverage Levels

You should have an idea as to what kind of coverage you want for your car insurance in Garden City. You can choose the minimum levels as required by the state of Idaho or choose to add onto the liability and obtain collision and comprehensive insurance.

Affiliations

There may be all sorts of discounts available to you and our agents will work hard to get you the most that are out there. You will want to have all affiliations at the forefront of your mind, such as USAA, AAA, and more.

Contact us today and let us get you some car insurance quotes!

Can A Learner’s Permit Affect Car Insurance?

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Boise is a major metropolitan city in Idaho. There are many attractions, including the Boise National Forest, the Egyptian Theatre, and much more. The economy is booming and residents can enjoy working for a number of top employers.

When you live in Boise, there are some things to understand with adding a learners permit to your policy. Once you have a licensed student driver, it’s important to contact your car insurance company and add them to the policy.

What you need to understand is that a learner’s permit is going to affect your car insurance in some dramatic ways. If you simply add without paying attention to details, the policy could become very expensive. This is because of the added risk of a new driver suddenly on the roads.

Another way the permit can affect your insurance is because of the coverage. You can choose to keep the coverage the same as you have had it throughout Idaho. However, it is recommended that you add to the overall liability as a way of protecting you and your family.

If your child with the learner’s permit gets into an accident, it could result in a lot of damages or personal injuries. You will depend on your insurance to cover all of the expenses. In order for this to happen, the coverage levels need to be at the necessary amounts. If they are too low, you could find yourself responsible for all of the remaining amounts – and this can be a substantial amount of money. Our agents can talk to you about the best level of coverage.

You can call one of our independent agents where we can go over some of the different options available to you in Boise. Adding a learner’s permit can be simple and without being too expensive!

Find Car Insurance Quotes In Meridian

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Throughout Meridian, there are many things to keep residents busy all year long. The Parks & Recreation issues an Activity Guide for each season, listing the various community events as well as activities that exist for the little ones. The city is the third largest in the state and one of the fastest growing as well.

When you are searching for cheap car insurance in Meridian, ID, we are here to help you. We are one of the premier agencies in the state and know what it takes to find an affordable quote for you.

There are many things that go into a car insurance quote, including the type of car you drive, your driving record, and even your zip code. Receiving multiple quotes is important so you can find out which company has the lowest rate and will provide you with all of the other features you may want, such as roadside assistance.

We will take the time to go over all of the options with car insurance, including personal and property liability, comprehensive coverage, and even collision coverage. The state of Idaho has minimum levels of liability that you must maintain, but after that, it is up to you as to what you want to carry. We can help you to achieve the necessary balance between protection and affordability.

When you have the right level of insurance, you can drive around Meridian and even explore more of the Treasure Valley and have peace of mind knowing that you are covered in the event of an accident. Even if you drive out of the state for vacation or business, you have the coverage needed to avoid worrying about anything.

Call us to get quotes on car insurance in Meridian now!

Car Insurance Quotes In Garden City, ID Are Easy

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Garden City, Idaho was named as a result of all of the gardens created by the Chinese immigrants within the city. It is part of the Boise-City-Nampa metropolitan area and therefore means that drivers are going to be exposed to a fair bit of traffic. The good news is that with the city being relatively affluent with a low crime rate, it can result in lower insurance rates than what is found elsewhere in the country!

Various art galleries exist throughout Garden City and within a short drive, you can find yourself in Boise.

When you are searching for car insurance, you want to find agents who understand the rules in Idaho. The state has minimum requirements for liability and these need to be followed. You can always choose to obtain more than the minimum and this is why it’s advantageous to get a few different quotes.

Our goal is to help you find coverage for your car wherever you go. There are various components that go into a quote and one of our knowledgeable agents will walk you through the entire process. We will collect information about your car, your ZIP code and more. If you live in the 83714 ZIP code, then we need to know this to help determine the cost of your insurance.

Once everything has been factored in, we can go about finding you a great rate on your insurance. We will talk to you about the minimums, make recommendations on the different types of coverage and help you to find affordable insurance. We will go the extra mile to find out what you do in Garden City and beyond in order to find as many discounts as possible.

Learn more about how to obtain the best car insurance quotes by calling for your quotes today!