Insurance quotes and assistance

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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

Idaho Insurance Guide

When you think of Idaho, you may think, “Potatoes!” But Idaho is also a big producer of gem stones-they produce over 72 different semi-precious and precious stones. However, residents of the state know that their people are much more important than either their stones or their potatoes, and that is why insurance in Idaho is such a big deal.

Idaho Auto Insurance

The state of Idaho is not a no-fault state and the Idaho auto insurance regulators do not require their drivers to have uninsured motorist coverage or personal injury protection (PIP). They do, however, require liability coverage. Their minimum bodily injury liability coverage is $25,000 for a single-person injury and $50,000 for a multiple person injury. Their property damage liability minimum is $15,000.

Idaho Health Insurance

Idaho handles its health insurance a little differently than other states. While they do not make insurers ignore all pre-existing conditions in issuing individual polices, they do reinsure individual high risk policies allowing some recourse for those with pre-existing conditions. The state also allows individuals to deduct health savings account (HSA) contributions from their state income taxes.

Small businesses in Idaho can get group insurance coverage for groups as small as 2 people and their rates are protected by rate bands. Pre-existing conditions can be excluded from group health insurance policies for up to 12 months if the individual had a break in coverage of 63 days or more during the previous 6 months.

Idaho Home Insurance

Idaho is a relatively calm state when it comes to natural disasters. Idaho home insurance shoppers will be happy to know that the last hundred years has brought Idaho a total of two earthquakes, two wildfires, and two memorable storms. While this data combined with the knowledge that home insurance is not required in the state of Idaho (except by individual lenders) may make some homeowners opt out of this insurance, it is always a good idea to have coverage.

Idaho Life Insurance

Idaho life insurance legislation created the Idaho Life and Health Insurance Guaranty Association in 1977. The association guarantees a payout to insured consumers in the event that their insurer becomes insolvent by the time they need a claim paid. The association guarantees up to $300,000 in death benefits and $100,000 in cash surrender values.

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