Oregon City, OR Car Insurance Buying Tips You Aren’t Supposed to Know

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as many other Oregon consumers.

With consumers having so many choices, it can be diffult for consumers to pick the lowest price car insurance company.

Free Quotes for Car Insurance in Oregon City

There are several ways to shop for car insurance, and some are less time-consuming than others. You could waste a few hours discussing policy coverages with local insurance agents in Oregon City, or you could save time and use the web to quickly compare rates.

All the larger companies take part in a program that enables customers to send in one quote, and at least one company provides a quote based on that information. This system prevents you from having to do quote forms for each company you want a rate for. To compare rates now click here to open in new window.

The only drawback to using this type of form is you cannot specify which providers to get pricing from. So if you want to choose individual companies for rate comparison, we put together a list of companies who write car insurance in Oregon. Click here to view list.

Which method you use is up to you, but be sure to compare exactly the same deductibles and coverage limits for each price quote. If you have higher or lower deductibles it will be impossible to make an equal comparison in Oregon City. Just a small difference in limits can mean a large discrepancy in price. And when comparison shopping, more quotes will improve the odds of getting lower pricing.

Quote online but work with a neighborhood agent

Some people would prefer to buy from a licensed agent and that is just fine! One of the best bonuses of price shopping on the web is you can get better rates and still have an agent to talk to.<img class="alignright" style="padding-top:15px;" src="https://www.carinsurancediy.com/wp-content/uploads/ci175-16.jpg" alt="Oregon car insurance“/>

Once you complete this simple form, your insurance data is emailed to agents in your area who will return price quotes for your business. You never need to drive around since price quotes are sent to your email. How’s that for easy! Get lower rates AND an agent nearby.

Picking an provider needs to be determined by more than just a cheap price. Ask your prospective agent these questions:

  • Do they regularly work with personal auto policies?
  • Will your rates increase after a single accident?
  • Does the agency provide any after hours assistance?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • How are claims handled?

Choose an insurance agent wisely

When searching for a good insurance agency, you need to know there are two different agency structures to choose from. Agents are either captive or independent.

Captive Agents

Captive agencies can only write with one company and some examples include American Family, Liberty Mutual and AAA. These agents are unable to compare other company’s rates so keep that in mind. Captive agents are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums.

Below is a short list of captive insurance agencies in Oregon City who may provide you with rate quotes.

State Farm Insurance – 19715 S Highway 213 – Oregon City, OR 97045 – (503) 518-7100
Farmers Insurance Group – 820 Main St # B – Oregon City, OR 97045 – (503) 655-3014
American Family Insurance – 956 Molalla Ave – Oregon City, OR 97045 – (503) 723-7707
Allstate Insurance – 914 Molalla Ave # 102 – Oregon City, OR 97045 – (503) 657-3270

Independent Agents

Independent insurance agents are not employed by any specific company so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the agent simply finds a different carrier and that require little work on your part.

When shopping rates, it’s recommended you get quotes from several independent insurance agents to have the most options to choose from.

Shown below is a list of independent insurance agents in Oregon City that are able to give price quotes.

Randy Philbrook Insurance – 1900 Mcloughlin Blvd # 49 – Oregon City, OR 97045 – (503) 656-8697
Insurance Express – – Oregon City, OR 97045 – (503) 722-5810

For a full directory of Oregon City insurance agents, visit this site.

After receiving answers to your satisfaction for all questions you ask and an acceptable price quote, you have narrowed it down to an insurance agency that will properly service your car insurance policy.

Additional car insurance links

More detailed Oregon car insurance information can be found at the Oregon Insurance Division website. Consumers can download brochures, discover disciplinary actions, and read enforcement actions against agents and companies.