Learn how to protect yourself and your family before it’s too late. Read through our auto insurance tips. Get your free auto insurance quote.
PROTECT YOUR FINANCIAL WELL-BEING WITH AUTO INSURANCE
If you listen to all the TV ads on auto insurance you would think the only thing you need to be worried about was SAVING MONEY. But really auto insurance is about protecting your financial well-being.
Thankfully, you can make sure you have the financial protection you need and still find ways to keep costs down; many factors such as your driving record, type of vehicle and vehicle use may provide discounts. Most auto insurance carriers also offer many other discounts. Depending on the carrier, this could include a discount for owning a home or a discount for payment in full. As your agent, we will seek out these discounts because it is our job to make sure you have the best possible protection at the lowest premium available.
LEVELS OF AUTO COVERAGE
Another way for us to ensure that you have the best protection at the lowest premium available is to examine your necessary coverage levels. There are several different levels of coverage that make up an auto policy:
- Bodily Injury Liability: Provides coverage to an accident victim in the event of a law suit and is required by the State of Oregon
- Property Damage Liability: This covers the cost of any damage that your vehicle causes to another person’s property. While this usually refers to the other vehicle involved in an accident, it can also include houses, garages, and anything else that counts as property.
- Uninsured / Underinsured Motorist: This pays for the damages that result from an accident caused by an uninsured motorist. This also pays for damages which cost more than an underinsured motorist’s coverage can pay for.
- Personal Injury Protection: This offers medical coverage for the policyholder and his or her family in the event of a collision, regardless of fault. It will also provide coverage for pedestrians who are hit by a vehicle. Many options are available to provide funeral expenses and other important coverage’s needed when you are hurt and cannot work.
- Collision: Covers damage done to your vehicle when it collides with another vehicle or object.
- Comprehensive: Covers damage to your vehicle resulting from something other than a collision. Examples for this would be hitting a deer, broken windshields, theft or flood.
- Other Miscellaneous Coverage: This varies depending on the insurance provider.
As independent agents, we can provide you with literally hundreds of combinations of coverage from several different insurance carriers. We are not limited to just one insurance company so, please, contact us today! As your insurance agent, we will provide you with a free, written analysis of the best coverage at the lowest possible premium.
You can always call us at 800-452-6826. We’re here to help! If you would like a free no-obligation quote please fill out the quick quote form on this page.
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