New Strategies for Paying Less for on Lake Oswego Auto Insurance

No one enjoys paying for auto insurance, in particular when the cost is way too high.

Numerous insurance companies battle for your business, so it can be very hard to choose a insurance company and get the best coverage at the lowest price

Auto Insurance Prices in Lake Oswego, OR

There are several ways to get quotes from local in Lake Oswego, ORauto insurance companies. The simplest method to find the cheapest insurance rates is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.

  1. The first (and easiest) way to find low rates would be an industry-wide quote request form (click to open form in new window). This type of form prevents you from having to do separate quote forms for every auto insurance company. Completing one form gets you price quotes from several companies.
  2. A slightly less efficient method to compare rate quotes requires a visit to the website of each company and complete a new quote form. For sake of this example, we’ll assume you want to compare Auto-Owners, Progressive and GEICO. To get rate quotes you would need to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular. To view a list of companies in Lake Oswego, click here.
  3. The least efficient way to compare rates is to drive around to different Lake Oswego agent offices. Buying insurance online can eliminate the need for a local agent unless you prefer the professional advice of a licensed agent. However, consumers can compare online quotes but buy from a local insurance agent and you’ll learn how to do that later.

It’s up to you which method you use, but ensure you’re using identical coverage limits and deductibles for each price quote. If you use differing limits you will not be able to make a fair comparison in Lake Oswego. Having just a slight variation in coverage limits can result in a big premium difference. It’s important to know that having more price comparisons will improve the odds of getting lower pricing.

You are unique and your auto insurance should be too

When buying proper insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that can help discover if your situation would benefit from an agent’s advice.<img class="alignright" style="padding-top:15px" src="http://www.findnewcarinsurance.com/wp-content/uploads/ci175-43.jpg" alt="lower rates in Lake Oswego” />

  • Are split liability limits better than a combined single limit?
  • Am I covered when driving on a suspended license?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my nanny covered when driving my vehicle?
  • Why am I required to get a high-risk car insurance policy?
  • Should I buy only the required Oregon minimum liability coverage?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Aren’t my neighborhood agents an option?

Some people would prefer to talk to a local agent and that is a personal choice. The best thing about price shopping on the web is you can get lower rates and still choose a local agent. And providing support for local insurance agencies is important especially in Lake Oswego.

To make it easy to find an agent, after completing this simple form, the quote information is sent to participating agents in Lake Oswego who will compete to get your business. You don’t have to even leave your home since price quotes are sent immediately to your email address. How’s that for easy! You can find better rates and a licensed agent to work with.

Shown below is a list of insurers in Lake Oswego willing to provide price quotes.

Contractors Insurance Svc Inc – 15555 Bangy Rd # 203, Lake Oswego, OR 97035 – (503) 639-8432
CNA Insurance – 2 Centerpointe Dr # 210, Lake Oswego, OR 97035 – (503) 431-3000
Farmers Insurance Group – 5285 SW Meadows Rd, Lake Oswego, OR 97035 – (503) 699-5502
State Farm Insurance – 3975 Mercantile Dr # 230, Lake Oswego, OR 97035 – (503) 635-9200
Avison Agency – , Lake Oswego, OR 97035 – (503) 699-5502
Allstate Insurance – 4949 Meadows Rd, Lake Oswego, OR 97035 – (503) 603-6496
Liberty Mutual Insurance – 4949 SW Meadows Rd # 650, Lake Oswego, OR 97035 – (503) 639-6861

lower rates in Lake Oswego

Choosing a company should depend on more than just the premium amount. Ask your prospective agent these questions:

  • Are claim adjusters local or do you have to take your car somewhere else?
  • How long have they worked with personal auto insurance coverage?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Is the agency involved in supporting local community causes?
  • How much will you save each year by using a higher deductible?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Is assistance available after office hours?

Once you have received good answers for all questions you ask in addition to an acceptable price estimate, most likely you have located an provider that is a good match to provide auto insurance coverage.

For more reading

Additional information can be found on the website for the Oregon Insurance Division through this link. Visitors are able to find out industry alerts, get help finding coverage, read industry bulletins, and file complaints about a company.