Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Believe me, you’re not alone. Because you have many options when it comes to car insurance, it can be hard to locate the most affordable car insurance company.
Smart consumers take time to compare rates periodically because rates change frequently. Just because you had the lowest price a few years ago other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to find out the best methods to lower your rates without sacrificing coverage.
The purpose of this post is to teach you the most effective way to quote insurance. If you are paying for car insurance now, you will be able to lower your premiums substantially using this strategy. Oregon drivers just need to learn the proper methods to get comparison rates on the web.
Woodburn Car Insurance Quote Comparison
Reducing your insurance rates is not rocket science. All that’s required is to take time comparing rates from different insurance companies. This is very easy and can be done using a couple different methods.
The single most time-saving way to find low rates would be an industry-wide quote request form click here to open form in new window. This easy form eliminates the need for boring form submissions to each individual car insurance company. Taking the time to complete one form gets rate comparisons from car insurance companies with the best prices.
Another way to find lower rates is to take the time to go to the website for every company you want to comare to request a price quote. For instance, let’s say you want comparison quotes from Nationwide, Liberty Mutual and State Farm. To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is more popular. To view a list of companies in Woodburn, click here.
The most time-consuming way of comparing rate quotes is driving to local Woodburn insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you require the professional guidance of a local Woodburn agent. However, consumers can price shop your coverage online and still use a local agent. We’ll cover that shortly.
Whichever way you use, ensure you’re using exactly the same coverage information on every quote you get. If the quotes have unequal deductibles or liability limits it’s impossible to make an equal comparison in Woodburn.
But buying car insurance online seems impersonal
Some people just want to buy from a local agent and that is just fine! Licensed agents are trained to spot inefficiencies and give you peace of mind. One of the best bonuses of getting online price quotes is that you can obtain lower rates and still choose a local agent. And supporting small agencies is important particularly in Woodburn.
For easy comparison, once you complete this simple form, your coverage information is emailed to local insurance agents in Woodburn who will give you bids to get 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. It doesn’t get any easier!
What type of Woodburn insurance agent is right for you?
When finding a local agent, there are a couple of types of agencies that differ in how they can insure your vehicles. Agents are classified as either independent or captive. Both write coverage properly, but it’s good to learn the difference between them because it can impact your selection of an agent.
Independent Agencies or Brokers
These agents do not work for one specific company so they can insure your vehicles with any number of different companies enabling the ability to shop coverage around. To move your coverage to a new company, the agent simply finds a different carrier and you don’t have to find a new agent. When shopping rates, it’s a good idea to contact several independent insurance agents to get the best comparison.
Shown below is a short list of independent insurance agents in Woodburn who can help you get comparison quotes.
Mendenhall Insurance – 560 Glatt Cir – Woodburn, OR 97071 – (503) 981-0161
Town and Country Insurance – 1535 N Pacific Hwy – Woodburn, OR 97071 – (503) 981-3201
Captive Agents
Captive agencies can only write with one company and examples are Farmers Insurance, American Family, State Farm and Allstate. They are unable to place coverage with different providers so they are skilled at selling on more than just price. These agents are very knowledgeable on the products they sell which can be an advantage.
Below are captive agencies in Woodburn that are able to give comparison quotes.
Farmers Insurance Group – 1541 N Pacific Hwy – Woodburn, OR 97071 – (503) 981-0045
State Farm Insurance – 1016 Newberg Hwy – Woodburn, OR 97071 – (503) 982-5433
For a complete listing of Woodburn captive agencies, visit this link.
Choosing an insurance agency should depend on more than just the bottom line cost. These are valid questions to ask:
- Which members of your family are coverage by the policy?
- Will their companies depreciate repairs to your car based on the mileage?
- How are they compensated?
- Do they assist clients in filing claims?
- Are you getting all the discounts the company offers?
After receiving good answers to these questions and locked in a price quote, you have narrowed it down to an auto insurance agent that meets your needs to adequately provide car insurance.
More information can be found on the website for the Oregon Insurance Division found here. Consumers can read state legal mandates and laws, file complaints about a company, view agent and company licensing information, and get help finding coverage.