Auto Insurance

Staying Legal in Idaho Falls

Driving is a privilege and not a right. Breaking the law carries its consequences. Every driver operating a motor vehicle on an Idaho roadway is required to carry minimum liability insurance, but other insurance is also recommended. An Idaho Falls auto insurance representative can point you in the right insurance direction.

MANDATORY MINIMUM LIABILITY INSURANCE

Idaho requires minimum liability insurance of $25,000 per person, $50,000 per occurrence and an additional $15,000 in property damage coverage. If found guilty of violating Idaho’s mandatory insurance law, fines and court costs could be more painful than the actual cost of obtaining insurance. Liability insurance can protect passengers in your vehicle and others on the roadway too. It provides an avenue for financial compensation for other drivers, their passengers, your passengers, pedestrians, and bicyclists.

Even if a driver is at fault in an accident and nobody is injured, it covers damage to the property of others.

MEDICAL PAYMENTS COVERAGE

This coverage can pay medical bills for anybody in your vehicle that’s injured in an accident, regardless of who was at fault. Coverage can be for $1,000, $5,000, or even $25,000. Medical payments coverage isn’t at all expensive. Everybody should drive with it since an emergency room visit alone can cost $5,000. So, go to the hospital or go see an Idaho Falls auto insurance agent?

UNINSURED/UNDERINSURED MOTORIST INSURANCE

If you carry this type of insurance, it can help compensate you or your passengers if you are in a covered vehicle and hit by an at-fault driver that is uninsured. It can also cover you or members of your family if hit by an uninsured driver while a pedestrian or bicyclist. Underinsured motorist insurance is almost always packaged in with uninsured coverage. Underinsured coverage could apply if you incur $50,000 of damages and the at-fault driver only has $25,000 of liability coverage. You can claim the additional $25,000 directly with your insurer. Since this coverage costs significantly less than liability coverage, it’s a wise purchase, particularly with the number of uninsured drivers on the road.

COLLISION COVERAGE

Two Drivers Arguing After Traffic CollisionThis coverage pays for damage to your vehicle that you cause yourself, such as driving into a median or hitting a tree when avoiding a deer. Claims can also be made on collision coverage for damage caused by a hit-and-run driver. You can even get your vehicle repaired through this coverage if a known driver caused the accident.

COMPREHENSIVE COVERAGE

If your vehicle wasn’t in an accident but was damaged by theft, vandalism, or a storm, or other natural causes, comprehensive coverage can be used for repairs. If the vehicle is financed, the lender will most likely require both collision and comprehensive coverage.

It doesn’t cost anything to stop in and talk with an Idaho Falls auto insurance agent. They’re professional, experienced, caring, and pleased to discuss your specific needs with you. They take pride in the fact that that they’ve serviced generations of the same local families and look forward to taking care of your Idaho Falls auto insurance needs.

Idaho Falls Auto Insurance – How to Sort Things Out

People usually spend countless hours finding the right Idaho Falls auto insurance. There are a lot of reasons why people need to find the right one. It ensures a customer’s peace of mind with regard to their car’s security.

Insurance in general is a unique product in itself. People buy car insurance but deep inside they have this hope that they won’t have to use it. That’s also a big reason why customers shouldn’t pay too much just to ensure their car.

So the basic idea with getting a vehicle insured is to keep costs low, since you don’t want to use it. It’s a product that is worth having but not needing it, than needing it and not having one. In short, customers need a quality product that they can tuck away somewhere and forget about until they need it.

Sorting Out the Myriad of Quotes

Having many Idaho Falls auto insurance companies to choose from and lots of insurance policies to weigh is a bit of a catch 22. It’s both a beneficial thing and a drawback for customers. There are many good options out there but their sheer number can make things confusing.

Customers shouldn’t only look at the many insurance quotes provided by companies based in Idaho Falls. They should also do a little background check. One important step is to find out how long has the company been around.

Customers should avoid getting defrauded by fly by night companies that were established just a few days ago. Older companies that have built a good reputation among clients are a pretty good option. Find ones that have a very good track record. Floyd Insurance Group has been in the insurance industry in Idaho Falls and surrounding areas for numerous years.

Records from the Better Business Bureau can be helpful if information is available there. From the BBB website, find out how many complaints have been filed from the Idaho Falls area. Figure out the nature of the complaints and how long before they were resolved.

Other than finding an Idaho Falls auto insurance quote that you like, the level of agent expertise should also come into play. Everyone expects insurance agents to be experts in their field. They should at least be able to withstand any customer’s inquiry.

Customers should be able to get a hold of an insurance agent over the phone. It’s much better to be able to talk directly to one than sending emails back and forth. Customers can judge over the phone if an agent is knowledgeable enough and kind enough to be of service.

Customer service is not a skill that can be learned in a laboratory. It takes more than petty company training to acquire the art of serving other people’s needs. It’s a quality that can only be acquired through years of diligent practice.

Scrutinizing the Insurance Plan

Once you have an agent to talk to and an Idaho Falls auto insurance plan you like, it’s time to talk about the details. Be candid about your desire to keep costs low. The agent should be able to offer you ballpark estimates as well as discounts according to your needs.

Remember that customers can’t grab every discount out there. The best idea is to get the ones that can be offered in the general area of Idaho Falls. Your agent should be able to offer that and more to keep costs down while providing you with a policy that you need.

For world class customer service and great insurance rates in Idaho Falls, give Floyd Insurance group a call at 208-524-2163. You can also request a quote by filling out the form below.

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Driving Distractions on a Scale of 1 to 5

distracted driving

Distracted driving is a hot topic in the insurance, legal, and law enforcement areas these days. It should also be a hot topic with the drivers in your family. MSN Money recently published a list of driving distractions and how much they can affect a driver. The article ranked distractions on a scale of 1 to 5, with 1 being a minimal distraction.

 

  • Regular driving scored a 1.
  • Listening to audio books or the car radio ranked as a 1.
  • Hands-free and hand-held cellphone use both ranked as a category 2.
  • Talking to your passenger ranked as in the 2nd category.
  • Dictating an email is considered a category 3 activity.
  • Trying to solve a complicated math problem is put in the highest 5th category.

As you can see, hands-free was not found to be less distracting than hands on.

You are best served by avoiding all driving distractions and of course, make sure your insurance is up to date. For your auto insurance, property insurance or commercial insurance questions, please contact us at Floyd Insurance Group. We serve the Idaho Falls, Idaho area and we would like to become your insurance agency.

Prepare Your Vehicle For Colder Weather

car winterAs winter approaches, it’s usually a good idea to give a little extra thought to your car. Winter, especially an Idaho winter, can challenge automobiles with cold weather, icy conditions and snow, any one of which can lead to problems. One of the best ways to handle the winter as a driver is to take the time and effort to prepare your vehicle for winter before it hits.

Just as problems in the human body often start in the blood, problems in a car often start in the oil. Before winter, you should check to see that you have enough oil in your vehicle, that it is not due for an oil change, and that the viscosity is thin enough for winter, based on the recommendations of your owners manual. The next fluid worth checking on is coolant, which needs to be filled properly and changed in accordance with the owners manual.

Batteries tend to malfunction in cold weather, so it’s a good idea to check ad clean terminals and cables before the cold sets in. Cold can also freeze gas lines, something that can be prevented by adding fuel line antifreeze and keeping your tank full. Falling temperatures can also case tire pressure to fall, so you should check your tires, as well.

Another great way to prepare for anything, including winter driving, is to make sure that you are property insured. If you live near Idaho Falls, Idaho and you have questions about auto insurance, property insurance or commercial insurance, contact the Floyd Insurance Group today!

 

What You Should Know About Car Thefts

car theftThe rise in car thefts should encourage you to be more on guard in protecting your vehicle. The following offers some suggestions on how to minimize these risks and safeguard your vehicle.

1. Lock all car doors and roll up windows when exiting your vehicle, even if you’re only going to be gone a short time.

2. Store valuables in the trunk where they are out of sight, out of mind. Small items can be stuffed under a seat or inside the glove compartment so as not to tempt anyone walking by.

3. Never leave keys in the ignition with the engine running to “momentarily” jump into your house or a nearby shop. Safeguard your keys at all times. At home, don’t leave them where neighbors’ kids, visitors or workmen can easily snatch them up on their way out.

4. Take precautions where you park. Choose well lit areas at night, preferably where security or pedestrians can readily be found. Use a steering lock as an extra security measure.

5. Be aware that thieves are drawn to certain model cars. If you invest in an expensive vehicle, get an alarm, immobilizing device or tracking device to safeguard your investment.

Installing protective devices in your vehicle can help lower your auto insurance premium. For more information about auto insurance, property insurance or commercial insurance coverage in Idaho Falls, Idaho, contact Floyd Insurance Group.