Personal Insurance · Bancorp Insurance
Auto Insurance
Built for How You Drive.
We shop multiple carriers to build the right auto insurance policy for your life — protecting you, your passengers, and your financial future.
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Why Bancorp Insurance
Auto Insurance Built Around Your Life
Auto insurance isn’t just a legal requirement — it’s protection for your financial well-being. We make sure you have the right coverage, not just the lowest price.
 Quality CoverageDon’t let TV ads convince you that price is everything. We ensure your coverage actually holds up when you need it most. |  Discount SavingsSafe driver discounts, auto-pay, pay-in-full discounts, and bundling your home and auto together for maximum savings. |  Safe Driving IncentivesTelematics apps track your driving habits and reward safe behavior. Save money just for enrolling. |
What’s Covered What Your Auto Policy Can CoverWhatever you drive — a rugged SUV, a family minivan, a vintage sports car, or a daily commuter — we build the perfect coverage for your lifestyle and budget.
| Coverage Levels ExplainedLiability Covers damage or injury you cause to others. Required by law in most states. Collision Covers vehicle damage from accidents, regardless of fault. Comprehensive Covers non-collision damage — theft, weather, fire, or hitting an animal. Medical Payments Covers medical costs for you or passengers regardless of fault. | ||||||||||
Specialty Coverage
Additional Auto Coverages to Consider
Standard auto policies don’t cover every situation. These add-ons make sure you’re fully protected.
 Classic & Vintage CarStandard auto policies may not adequately cover a collector vehicle. Specialty coverage provides agreed value protection tailored to enthusiasts. Learn More → |  Umbrella InsuranceWhen damages exceed your auto policy limits, an umbrella policy covers the gap. One of the most cost-effective ways to protect your assets. Learn More → |  Recreational VehiclesATVs, UTVs, snowmobiles, and motorcycles need their own policies. Bundle RV coverage with your auto for additional savings. Learn More → |
Frequently Asked Questions
Your Questions Answered
The most common questions drivers ask about coverage, costs, and claims.
What auto insurance coverage is required by law? +
Most states require minimum liability coverage. Oregon requires $25,000/$50,000/$20,000 plus uninsured motorist coverage and personal injury protection (PIP). Minimum coverage may not fully protect your assets — we recommend reviewing your limits.
What does full coverage auto insurance include? +
Full coverage typically includes liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection (PIP). Collision covers accidents. Comprehensive covers non-collision events like theft, weather, or hitting an animal.
How can I lower my auto insurance premium? +
Common discounts include safe driver discounts, bundling home and auto, paying in full, enrolling in telematics, good student discounts, and anti-theft device discounts. As an independent agency, we shop multiple carriers for the best rate.
What is telematics and how does it save me money? +
Telematics programs use a smartphone app or small device to track your driving habits. Most carriers offer a discount just for enrolling, plus additional savings for safe driving. Great for low-mileage or careful drivers.
Should I bundle my home and auto insurance? +
Yes — bundling typically saves 10–25% on both policies and simplifies your coverage with one agency and one renewal date.
What is uninsured motorist coverage? +
Uninsured motorist coverage protects you if you’re hit by a driver with no insurance or not enough insurance. Having adequate limits is critically important given the number of underinsured drivers on the road.
Does auto insurance cover a rental car? +
It depends on your policy. Many auto policies extend coverage to rental vehicles, but rental reimbursement — which pays for a rental while your car is being repaired — is a separate optional add-on.
What factors affect my auto insurance rate? +
Key factors include driving history, age, vehicle make and model, annual mileage, coverage limits, deductibles, credit history, ZIP code, and whether you bundle other policies.
Do I need special insurance for a classic or vintage car? +
Yes. Standard auto policies insure at actual cash value, which can be far below a collector car’s true worth. Specialty classic car insurance provides agreed value coverage tailored to collectors.
How do I file an auto insurance claim? +
Contact your carrier: Safeco 800-332-3226 · Progressive 800-274-4499 · Foremost 800-527-3907 · Travelers 800-252-4633. Or call Bancorp Insurance at 800-452-6826 and we’ll advocate for you.
What Our Clients Say
Real Reviews from Real Clients
Don’t just take our word for it. See what our clients say about working with Bancorp Insurance.
What Our Clients Say
Real Reviews from Real Clients
Don’t just take our word for it. See what our clients say about working with Bancorp Insurance.
Quick Reference
Need to File a Claim?
Contact your carrier directly, or call our office at 800-452-6826 and we’ll assist you.
From the Blog
Recent Insurance Insights
Stay informed with the latest news, tips, and guidance from our licensed team.
Dec 30, 2024 Things to Consider When Buying a New CarBefore that new car smell lures you in — let’s talk sticker price, insurance costs, and what really matters. Read More → | May 4, 2026 Umbrella Insurance Explained for High Net Worth FamiliesIf you’ve built something worth protecting, umbrella insurance is worth understanding. Read More → | Jan 28, 2026 Do Independent Contractors Need Liability Insurance? (Spoiler: Yes!)Being your own boss comes with freedom — but also risks. Find out how the right coverage protects you. Read More → |
Ready to Find the Right Auto Insurance?
Bancorp Insurance builds customized auto policies — giving you real protection and real peace of mind.
51473 Hwy 97, La Pine, OR 97739 · 800-452-6826 · bancorp@bancorpinsurance.com
