Personal Insurance

Auto Insurance

 The March Insurance Group, provides auto insurance throughout Idaho and Oregon. If you're new to the area, just want to switch to a different auto insurance company, or are looking for a lower car insurance rate, choose the March Insurance  Group. By having us shop for lower car insurance rates, you could save  hundreds on your auto insurance. We work with several carriers, for you, and are not tied in with one company, and one rate. We will find you the best program, at the best rate we have available for you. If you are in Eagle, Boise, Meridian ,Star, or any other city here in the Treasure  Valley, or Garden Valley, we would be happy to help. 

In addition to saving you money on your auto insurance, we oftentimes  have multi-policy discounts available to you, by combining your home  insurance, life insurance, umbrella, or specialty vehicles with your policy.

 

In Idaho, your requirements for a registered vehicle are as follows; 

Bodily Injury Liability(BI): Idaho motorists must have $25,000  minimum per person and $50,000  per incident. This coverage will pay for lost wages, medical expenses and funeral expenses that you are deemed liable for.
Property Damage Liability(PD): This coverage will pay for damages done to private or public property as the result of an accident. Idaho drivers  are required to carry $15,000 minimum of this coverage.  

Keep in mind, these are the bare minimum amount of coverage to have a  legally registered vehicle driven in Idaho. It is highly recommended that coverage be increased from these limits. Give us a call to discuss your options 

Home Insurance

 The March Insurance Group, provides Homeowners  Insurance, Renter's Insurance, Condo Insurance, Cabin Insurance,  Dwelling Insurance, Farm Insurance, Ranch Insurance, and Landlord Insurance. Home  insurance provides coverage for damage to your home's structure, and  damage coverage for separate structures on your property, like a  shop,shed or barn. Along with coverage for your personal belongings,  temporary expenses, personal liability, and in some cases farm and ranch  liability.
 

Whether your home is located in a beautiful subdivision in Eagle, on a  farm in Kuna, or on the lake in McCall, we have a program for you. We  are centrally located in the Treasure Valley, and easy to get to,  whether you live in Boise, Meridian, Star, or any other Treasure Valley city. Give us a call to discuss the various options you have available. 

Life Insurance

 Term Life vs Permanent Life/Universal/Whole Life Insurance 

Experts have spent a lot of time debating over whether  it is more advantageous to obtain Term Life or Permanent Life Insurance coverage. Each type of life insurance has its benefits and drawbacks. Premiums for term insurance are very inexpensive compared to permanent insurance for healthy people up to about age 50. After age 50, premiums for term life begin to get progressively more expensive, although nowhere near as high as those for permanent life insurance. Young families with financial obligations are in most cases better off with term insurance. Significantly lower premiums enable them to purchase substantial coverage to protect against loss of  income.
Permanent Life Insurance is usually purchased by older, more affluent individuals with a large amount of monthly disposable income necessary to support the higher premium requirements for this type of coverage.  They have a higher net worth and may need insurance for tax and other financial planning purposes. As with any insurance, your particular situation will dictate need.


Umbrella Insurance

Personal Umbrella insurance is designed to give added liability  protection above and beyond the limits on homeowners, and auto, insurance policies. With a personal umbrella policy, depending on the insurance company, one can add an additional 1-5 million in liability protection. This protection is designed to  “kick-in” when the liability on other current policies has been exhausted.
Liability insurance is the portion of a homeowners or auto policy  that pays for expenses such as the injured persons medical bills, rehabilitative therapy, and lost wages due to the negligence of the at fault person.The liability portion of an insurance policy also covers a legal defense representative if the negligence would happen to land the at fault person in the court room. After adding up all of the medical  expenses for the injured and the legal fees of the negligent person, the  standard liability in one’s homeowners or auto policy is often not  enough. Almost every state has financial responsibility laws that will  hold drivers accountable for bodily injury and property damage resulting  from car accidents and the at fault driver could be sued for the  damage. Personal assets from the at fault driver could be seized  resulting from a lawsuit. Similar laws are also in force for home and  watercraft owners.  There is good news. A personal liability umbrella insurance policy  can give one added liability protection without a large added cost.  Additional liability insurance is often inexpensive, especially compared  to the added coverage one gains. Furthermore, liability insurance  covers one’s non-business activities anywhere in the world. Having the  added protection of a liability umbrella policy is coverage no one  should go without.
 

Most companies will require a minimum auto coverage liability of 250,000/500,000, and a minimum of 500,000 on your home owners liability, in order to place an Umbrella policy on top. In addition, any Specialty Insurance polices you have, motorcycle, RV, boat, etc, will also have to match the auto coverage.
 

Do I need an Umbrella or Excess Liability policy?
 

Do I need it? If you have assets that you are not willing to forfeit in the event of a loss, yes. Remember, the Umbrella is worse case scenario  insurance. It is above and beyond your regular insurance, for the truly  catastrophic losses. Are you a college kid, that can barely afford state minimum liability only insurance on your car, and rent a shared  apartment, probably not. Do you own a home? Have teenagers driving?  Rental properties? Please ask for a quote.
 

How much will it cost me?
 

That will depend on the amount of underlying coverage, the number of  properties covered, and the number of people covered. Normally, they  start at around $200 per year for a million in coverage.
 

SR-22 Insurance

 What is SR-22 Insurance?
 

The SR-22 Financial Responsibility form is a standardized form required to be filled out with the Department of Transportation by insurance  companies on behalf of an insured. This form notifies the State that you  have insurance that meets the States minimum requirements, and it  allows you to keep, or reinstate, your driving privileges. An SR-22  policy does require more paperwork than a standard policy, and will incur an extra fee, though the coverage works the same as a standard  policy.
 

Is SR-22 Insurance affordable?
 

Yes! Bad things can happen to good people. SR-22s come into effect not  only due to DWIs or DUIs. But what if you borrow someones car, and get  pulled over? Did you know, even if you have insurance on your vehicle,  you can receive a "no-insurance" ticket, if the vehicle you are driving is not insured. We have several companies that offer this protection, and will find you the best rate available.
 

What happens if my policy cancels while I have an SR-22?
 

Under the reporting aspects of an SR-22, the insurance company is  required to alert the State of an interruption, or lapse of your policy.  An SR-26 form will be filed, and in most cases your license will be  suspended, resulting in additional fees with the DMV. Too many interruptions can result in a long term suspension, or revocation of  your license. Give us a call to discuss your options.