Follow These Insider Tips for Lower Springfield Auto Insurance

Confused by the sheer number of auto insurance choices in Springfield? Many other consumers are too. People have so many companies to choose from that it can be more work than you anticipated to find the lowest price.

The purpose of this article is to introduce you to how to effectively get price quotes and some tips to save money. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these tips. Nevertheless, Oregon vehicle owners can benefit by having an understanding of how big insurance companies price online insurance and apply this information to your search.

Automobile Insurance Quotes in Springfield, Oregon

All major auto insurance companies provide insurance quotes on their websites. Getting quotes is quite simple as you just enter your coverage information into the quote form. When complete, the system automatically retrieves information on your driving record and credit history and provides a quote.

Online quotes helps simplify price comparisons, but the time required to go to each company’s website and repetitively fill out multiple forms can be a bit repetitive. But it is imperative to have as many quotes as possible if you are searching for better prices.

A less time-consuming method to find cheaper rates requires only one form to get prices from many companies. The form is fast, eliminates repetitive work, and makes online quotes much easier to do. As soon as you send your information, it is quoted with multiple companies and you can pick your choice of the returned quotes.

If you find a better price it’s easy to complete the application and purchase coverage. This process can be completed in less than 10 minutes and you will know how your current rates stack up.

In order to compare rates using this form now, click here to open in a new tab and enter your vehicle and coverage information. If you have a policy now, it’s recommended that you enter deductibles and limits exactly as shown on your declarations page. Using the same limits helps guarantee you will be getting a price comparison for similar coverage.

Can’t I compare rates from local Springfield agents?

Certain consumers prefer to buy from a local agent and there is nothing wrong with that. The best thing about comparing rates online is the fact that you can find the best rates but still work with a licensed agent. Supporting local agencies is definitely important in Springfield.

After completing this form (opens in new window), your information gets sent to insurance agents in Springfield who will return price quotes for your business. There is no need to leave your house due to the fact that quote results will go to the email address you provide. How cool is that?! You can find the lowest rates and an insurance agent to talk to.

Do you need an independent or captive car insurance agent?

When researching a good Springfield insurance agent, there are two types of agencies that differ in how they can insure your vehicles. Insurance agencies in Springfield are either captive or independent (non-captive).

Independent Agents (or Brokers)

These agents do not work for one specific company so they can insure your vehicles with lots of companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply move the coverage in-house and that require little work on your part.

When shopping rates, you should always include price quotes from several independent insurance agents for the best price selection.Many can place coverage with different regional companies which can be an advantage.

The following are Springfield independent insurance agencies that are able to give price quotes.

  • HBW Insurance and Financial – 655 A St # B – Springfield, OR 97477 – (541) 726-9221
  • Bancorp Insurance – – Springfield, OR 97477 – (541) 726-8700
Captive Insurance Agents

This type of agents can only write with one company such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They generally cannot give you multiple price quotes so they have to upsell other benefits. These agents are well schooled on the products they sell and that can be a competitive advantage. Consumers frequently purchase coverage from captives partially due to high brand loyalty and strong financial ratings.

Shown below are Springfield captive insurance agents who can help you get price quote information.

  • Allstate Insurance – 3555 Gateway St – Springfield, OR 97477 – (541) 741-9835
  • American Family Insurance – 1012 Harlow Rd – Springfield, OR 97477 – (541) 741-4391
  • State Farm Insurance – 1084 Postal Way – Springfield, OR 97477 – (541) 741-4200
  • Farmers Insurance Group – 1126 Gateway Loop # 106 – Springfield, OR 97477 – (541) 726-9999

To view a full list of auto insurance agents in Springfield, please view this page.

compare rates in Springfield Oregon

Selecting an auto insurance agent should depend on more than just a cheap price. Any agent should be forthright in answering these questions:

  • Do the coverages you’re quoting properly cover your vehicle?
  • Which insurance companies are they affiliated with?
  • Did they already check your driving record and credit reports?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Do they make recommendations based only on price?
  • Do they receive special compensation for putting your coverage with one company over another?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Does the agency provide any after hours assistance?

After receiving good answers to your questions and locked in a price quote, most likely you have located an insurance agent that is a good match to provide auto insurance coverage.

Much more information about auto insurance in Oregon can be read on the Oregon Insurance Division website found here. Visitors are able to find disaster information, read state legal mandates and laws, read consumer alerts, and find out which companies have the most complaints.

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