Confused by the dozens of car insurance choices in Newberg? You have a lot of company. There are so many companies to choose from that it can easily become a challenge to find the lowest price.
Finding affordable coverage in Newberg is not rocket science. If you have a current car insurance policy or need new coverage, you can use these techniques to reduce the price you pay and possibly find even better coverage. Oregon drivers just need to know how to compare company rates on the web.
Do you qualify for a discount?
Auto insurance companies do not list all available discounts very well, so we researched some of the best known and also the lesser-known ways to save on car insurance. If you don’t get every credit possible, you’re just leaving money on the table.
- Lower Rates for Military – Having a deployed family member could mean lower rates.
- Multi-car Discount – Having more than one vehicle with the same company qualifies for this discount.
- New Vehicle Savings – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
- Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiration. The savings is around 10%.
- Homeowners Savings – Simply owning a home can save you money due to the fact that maintaining a home shows financial diligence.
A little note about advertised discounts, some credits don’t apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck.
To choose providers with discount car insurance rates in Newberg, click this link.
Your coverage should be tailored to you
When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique.
For example, these questions might help in determining if your situation could use an agent’s help.
- How high should my medical payments coverage be?
- Does my medical payments coverage pay my health insurance deductible?
- Does my personal auto insurance policy cover using my vehicle for business use?
- Are rental cars covered under my policy?
- Do I pay less if my vehicle is kept in my garage?
- What can I do if my company denied a claim?
- Do I need higher deductibles?
- Does my policy pay for OEM or aftermarket parts?
If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It is quick, free and may give you better protection.
But I prefer to buy car insurance from an agent
A small number of people would rather visit with an insurance agent. Good agents can answer important questions and help you file claims. One of the great benefits of getting online price quotes is that you can obtain the lowest rates but also keep your business local.
To help locate an agent, after submitting this form (opens in new window), the coverage information is instantly submitted to local insurance agents who will return price quotes for your insurance coverage. There is no reason to visit any agencies since price quotes are sent straight to your inbox. Now that’s easy!
Selecting a company needs to be determined by more than just the premium amount. These are valid questions to ask:
- Did they already check your driving record and credit reports?
- Do they receive special compensation for putting your coverage with one company over another?
- Is working in the agency their full-time job?
- Which company do they place the most coverage with?
- If they are an independent agency, which companies do they recommend?
- Are you getting all the discounts the company offers?
- If your car is in the repair shop, do you have coverage for a rental car?
- How long has their agency been in business in Newberg?
Captive or Independent: There is a difference
When researching a reliable agent, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Agencies in Newberg can either be independent (non-captive) or captive. While both can do a good job, but it’s worth learning the differences since it can impact your agent selection.
Captive Insurance Agents
These agents write business for a single company such as State Farm, AAA and Liberty Mutual. They usually cannot give you multiple price quotes so they are skilled at selling on more than just price. Captive agencies are usually quite knowledgeable on the products they sell and that can be a competitive advantage. Some people will only buy from captive agents mainly due to high brand loyalty and the convenience of having a single billing for all their coverages.
Shown below are captive agencies in Newberg who can help you get rate quotes.
- American Family Insurance – 2855 Hayes St # 102 – Newberg, OR 97132 – (503) 554-1229
- Farmers Insurance Group – 1548 E 1st St – Newberg, OR 97132 – (503) 538-8898
Independent Insurance Agents
Independent agents are not required to write business for one company but rather can write business with any number of different companies and potentially find a lower price. If you are not satisfied with one company, your agent can switch companies and you don’t have to find a new agent.
When comparing rates, it’s recommended you contact several independent insurance agents to ensure the widest selection of prices. They often place coverage with smaller regional carriers which can be an advantage.
Below are independent agents in Newberg that are able to give price quote information.
- Kanno Insurance Svc – 506 E 1st St – Newberg, OR 97132 – (503) 538-9402
- Rick Greene Insurance – 201 N Meridian St – Newberg, OR 97132 – (503) 538-1414
For a complete listing of insurance agents in Newberg, click here to link.
Once you have reasonable responses to any questions you have and a good coverage price, chances are good that you have found an auto insurance agent that is a good match to service your policy.
Drivers who switch save $405 a year? Really?
Consumers in Oregon can’t get away from ads for cheaper car insurance from the likes of GEICO, State Farm and Progressive. They all seem to say the same thing that you’ll save big if you move your coverage to them.
How does each company claim to save you money?
Insurance companies have a preferred profile for the driver that is profitable for them. For instance, a profitable customer could possibly be over the age of 40, has no driving citations, and drives less than 7,500 miles a year. Any driver who meets those qualifications receives the best rates and as a result will probably save quite a bit of money when switching.
Potential customers who fall outside this ideal profile will be charged higher rates and this can result in the customer not buying. Company advertisements say “customers who switch” not “everyone that quotes” save money. This is how companies can claim big savings. That is why it is so important to get a wide range of price quotes. It is impossible to predict which company will have the lowest rates.
To find out more about Oregon car insurance
More detailed Oregon car insurance information is located at the Oregon Insurance Division website. Consumers can read enforcement actions against agents and companies, find disaster information, and read consumer alerts.
What is YOUR best insurance company?
Consumers who switch companies do it for a variety of reasons including denial of a claim, high rates after DUI convictions, delays in responding to claim requests and even delays in paying claims. Regardless of your reason for switching companies, switching car insurance companies can be less work than you think.
In this article, we covered quite a bit of information on how to lower your car insurance rates. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. Drivers may discover the lowest priced car insurance comes from the smaller companies.
As you go through the steps to switch your coverage, you should never reduce coverage to reduce premium. In too many instances, an insured dropped collision coverage only to regret they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.