AUTO INSURANCE QUOTE
We are an insurance brokerage. You will save money when you get an auto policy through us because we compare rates from different carriers to give you choices and discounts.
Full Coverage & Liability Auto Insurance
Choosing the right company can save hundreds of dollars a year. Discounts such as safe driver, paid-in-full, good student, and multi-car can save you big money as well. Based on your history and needs, we’ll bundle the best rate and policy for your needs.
The auto and car insurance quotes here are the best the industry has to offer. In addition to larger companies, we also offer other carriers that have discounts and offers that are virtually unheard of in some of the larger companies. All of our carriers have an A-Rating for financial strength.
Full coverage includes liability coverage with the added benefits of collision and comprehensive coverage. Collision coverage is damage done to your vehicle during an accident, regardless of fault. Comprehensive coverage is damage done to your vehicle that did not involve another car or theft. Full coverage may also include bodily injury liability protection which pays for injuries the policy holder causes to someone else and Uninsured/Under insured Motorist coverage which covers costs from an accident that involve a hit-and-run driver, an accident with someone who does not have insurance, or not enough insurance to cover damages done.
In Boise Idaho, the minimum amount of insurance coverage required by law is Liability with $15,000 personal property damage, $25,000 per person, $50,000 per accident. The coverage amount of liability can go up from this minimum, however this is the most basic form of insurance that covers the cost of damage that you are held liable for in the case of an accident.
This type of coverage is for the medical expenses, injuries and property damage of the other driver and his/her passengers in an accident where you are at fault. This coverage will not pay for your medical expenses or damages to your vehicle
Your automobile is the lifeline to your family, fun, and work. Your automobile is a part of your everyday life and you need it to get things done. If an accident happens, you want to make sure that it can be fixed or replaced. Getting the right auto insurance is crucial to making sure this happens for you.
How much is full coverage car insurance?
The cost of car insurance varies significantly from one driver to another. There are a few questions you can ask yourself to get an idea of how much you can expect to pay for insurance.
- Have you compared coverage and cost in as many insurance carriers as possible?
- Do you have current insurance?
- Do you have good credit credit?
- Are you over the age of 25?
- Do you have any tickets or accidents in the last 3-5 years?
- Do have multiple policies (home, life, umbrella)?
On average, the more questions you are able to answer yes to, the lower your cost for full coverage car insurance will be. For example, if you have two cars with full coverage, your policy could be as low as $550 per year. At Financial Insurance Group, we’ll do the comparing part for you by simultaneously providing you with quotes through insurance carriers available in Idaho.
We offer Broad Form Insurance
Broad form insurance provides coverage to a specific driver instead of a specific vehicle. Individual cars are not listed on the policy, so the cost doesn’t change depending on what you drive. SR-22 requirements can be satisfied by this type of insurance.
Broad form satisfies Idaho state insurance requirements by covering bodily injury and property damage caused to others while you are driving. It is important to understand that with broad form insurance there is no option to purchase comprehensive or collision coverage; this means that if you were at fault in an accident, repairs or replacement of your vehicle would not be covered.