Should I Update my Auto Insurance?

You faithfully renew your auto insurance every year, but have you thought about whether it covers all aspects of your risks? Most motorists do have car insurance but don’t give it a second look to ensure it covers their current needs. At The Insurance Shop USA in Sandpoint, ID, we usually tell our clients to update their car insurance policy every year. However, sometimes you don’t have to wait for a year to lapse. When the below happens, please inform your insurance agent to review your car insurance right away.

Buying or selling your car

Getting a new ride? You need to review your auto insurance. The good thing is that you can transfer your old policy to your new car. However, you need to update the policy with the details of your current vehicle.

The same case goes if you have sold your car. Inform your insurer to remove the car from your policy. Otherwise, you might pay for insurance that you no longer need.

If you move

Secured a new job in another state? Inform your insurer because the location could be one of the factors that affect your car insurance. Plus, you would want to have an insurer with a presence in your current state.

Commercial use

If you are using your personal car to run business errands, update your insurance to commercial to get coverage when accidents happen.

A new teen driver

Once your teenage son or daughter starts driving your car, they aren’t automatically added to your policy. It would be best to inform the insurer to make the necessary adjustments.  

Learn more about car insurance policy

Still not sure whether you need to update your car insurance? Don’t worry. At The Insurance Shop USA, we will always make time for you. Get in touch with us for any questions you might be having. You can also pop in our Sandpoint, ID offices to chat with one of our agents in person.

4 Benefits of Boat Insurance

Are you a first-timer boater in Sandpoint, ID? Or perhaps you have been an avid boater for years? Either way, you need to learn about the benefits of boat insurance. While boat accidents may not be as frequent as auto accidents, you need boat insurance because you never know when the unthinkable will happen.  If you own a boat or are in the process of buying one, The Insurance Shop USA has highlighted 4 benefits you will accrue when you purchase boat insurance from us.

Liability protection

In the same you can collide with another vehicle on the road; the same can happen while boating. And if you are deemed liable for the accident, you may be responsible for property damage and bodily injury you cause to other people. Liability costs can be expensive, but that is no longer the case if you have boat insurance.

Property protection

Your boat must have cost a fortune, right? Given the value of your boat, you need insurance to protect it against losses and costly repairs. Boat insurance covers repairs to your boat and even replaces your boat if totaled or stolen.

Medical protection

In the same way, the property can be injured during a boat accident, you and your passengers can pick injuries during an accident. Thankfully, you don’t have to worry about your medical costs if you have boat insurance.

It’s flexible

Boat insurance isn’t a one-size-fits-all coverage. It’s customizable to fit your unique demands. Boat insurance has different coverages you can tailor-make to get your dream coverage. Boat insurance allows you to purchase the coverages you need and leave those that don’t suit your needs. 

Buy boat insurance in Idaho

Looking for an affordable and effective boat insurance policy in Sandpoint, ID? You can trust The Insurance Shop USA for all your boat insurance needs. Contact us today for a competitive quote.