No one likes having to buy auto insurance, especially when they are paying too much.
Lots of insurers contend to insure your vehicles, and it can be difficult to compare rates to get the cheapest price
It is always a good idea to compare rates yearly due to the fact that insurance rates change quite often. Just because you had the lowest price a few years ago a different company probably has better rates today. There is too much inaccurate information about auto insurance online, so by reading this article, you’re going to learn the easiest ways to put money back in your pocket.
Comprehensive Auto Insurance Comparison in Bend, OR
There are a lot of ways to shop for auto insurance, but there is one way that is less time-consuming than others. You can waste hours discussing policy coverages with insurance companies in Bend, or you could save time and use online quotes to maximize your effort.
Most of the best insurance companies are enrolled in a marketplace where prospective buyers send in one quote, and each company returns a competitive quote determined by their information. This eliminates the need for quotation requests for each company.
To find out how much you can save on auto insurance click here (opens in new window).
The only downside to comparing rates this way is you cannot specify the providers you want to price. So if you prefer to choose from a list of companies to compare prices, we have a listing of auto insurance companies in Oregon. Click to view list.
However you get your quotes, ensure you’re using apples-to-apples information for every company. If you compare different limits and deductibles on each one then you won’t be able to make an equal comparison in Bend. Just a small difference in limits may result in large price differences. And when comparing auto insurance rates, know that obtaining a wide range of quotes gives you a better chance of getting a lower rate.
Everyone needs different coverages
When buying the best auto insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that may help highlight whether your personal situation would benefit from an agent’s advice.
- Am I covered when pulling a rental trailer?
- What are the best liability limits?
- How high should my uninsured/underinsured coverage be in Oregon?
- Does my policy cover my teen driver if they drive my company car?
- Can my teen driver be rated on a liability-only vehicle?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- When should I not file a claim?
- Is my nanny covered when driving my vehicle?
If you can’t answer these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area.
Won’t my local insurance agent miss me?
Some consumers just want to buy from a licensed agent and there is nothing wrong with that. The biggest benefit of comparing rates online is that you can obtain better rates and still have an agent to talk to. Supporting local insurance agencies is important particularly in Bend.
To help locate an agent, after submitting this quick form, the quote information is transmitted to agents in your area who will battle for your coverage. You don’t have to even leave your home since price quotes are sent straight to your inbox. It doesn’t get any easier! Get lower rates and work with a local agent.
What types of auto insurance agents are in Bend?
If you’re trying to find a local agent, there are a couple of types of agencies that you can select. Agencies in Bend are classified as either captive or independent.
Independent Agencies or Brokers
Independent agents are not required to write business for one company so they have the ability to put coverage with multiple insurance companies and potentially find a lower price. To transfer your coverage to a different company, the business is moved internally and you won’t have to switch agencies.
When comparing rates, it’s recommended you contact at least one independent agent to ensure the widest selection of prices.
Below is a list of independent agencies in Bend that are able to give price quotes.
Eisman Agency – 224 NW Oregon Ave – Bend, OR 97701 – (541) 389-7753
Al Dernzis Agency – 62910 O B Riley Rd # 300 – Bend, OR 97701 – (541) 330-1015
Deschutes Agency – 595 SW Bluff Dr # A – Bend, OR 97702 – (541) 389-8785
Robson Insurance – 644 NE Greenwood Ave # 1 – Bend, OR 97701 – (541) 382-9111
Century Insurance Group LLC – 695 SW Millview Way – Bend, OR 97702 – (541) 382-4211
Captive insurance agents have only one company to place business with like State Farm, Allstate and AAA. They generally cannot give you multiple price quotes so they have no alternatives for high prices. Captive agents are well schooled on their company’s products which helps them compete with independent agents.
Below are captive agencies in Bend that can give you price quotes.
Allstate Insurance – 560 NE Greenwood Ave # A – Bend, OR 97701 – (541) 388-2136
American Family Insurance – 2570 NE Twin Knolls Dr # 103 – Bend, OR 97701 – (541) 617-0671
State Farm Insurance – 452 NE Greenwood Ave # 2 – Bend, OR 97701 – (541) 382-6770
Farmers Insurance Group – 1303 NW Galveston Ave – Bend, OR 97701 – (541) 382-8995
For a full directory of Bend captive agencies, please click here.
Picking a car insurance agent needs to be determined by more than just the premium amount. Ask your prospective agent these questions:
- How are they compensated?
- How long has their agency been open in Bend?
- Can they provide you with a list of referrals?
- Are they properly licensed to sell insurance in Oregon?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Are claims handled at the agent’s location?
- If they are an independent agency, which companies do they recommend?
- Are they full-time agents?
After receiving positive responses to all your questions and an affordable coverage quote, chances are good that you have found an auto insurance agent that will properly insure your vehicles.
Additional information can be found on the website for the Oregon Insurance Division found here. Oregon drivers can read consumer alerts, find out which companies have the most complaints, find out industry alerts, and report car insurance fraud.