How to Know You’re Wasting Money for Car Insurance in Tigard, OR

Confused by the wide range of car insurance company choices in Tigard? Many other consumers are too. People have so many companies to choose from that it can quickly become more work than you anticipated to locate the lowest price.

Smart consumers take time to compare prices periodically due to the fact that insurance rates change quite often. Even if you think you had the best price last year there is a good chance you can find better rates now. Ignore everything you know about car insurance because you’re about to find out the tricks you need to know to eliminate unnecessary coverages and save money.

Comparison of Car Insurance in Tigard, Oregon

There are several ways of comparing rate quotes from different in Tigard, Oregoninsurance companies. The simplest method to compare insurance prices consists of obtaining rate quotes online. This can be done in several different ways.

The easiest and least time consuming way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This method eliminates the need for separate quotation requests for each company you want a rate for. A single, simple form compares rates instantly.It’s the quickest way to get rates.

A different way to get quotes online is spending the time to visit each individual company website to complete a price quote. For instance, let’s assume you want rates from Liberty Mutual, Progressive and Farmers. You would have to take the time to go to each site and enter your information, which is why the first method is more popular.

For a handy list of car insurance company links in Tigard, click here.

The least recommended method of comparing rate quotes is driving around to different Tigard agent offices. Buying insurance online has reduced the need for local agents unless you want the trained guidance of a licensed agent. Drivers can obtain prices from the web but still have the advice of a local agent.

Which method you use is up to you, but make sure you use identical coverage limits and deductibles for every quote you compare. If your comparisons have different values for each quote it will be next to impossible to make an equal comparison in Tigard. Quoting even small variations in insurance coverages can make a big difference in price. And when quoting car insurance, remember that comparing more company’s prices gives you a better chance of getting better pricing.

Don’t assume everyone needs the same coverage

When it comes to buying the best car insurance coverage, there really is no best way to insure your cars. Every situation is different.

Here are some questions about coverages that may help highlight if your insurance needs might need an agent’s assistance.Tigard insurance comparisons

  • Am I covered when pulling a rental trailer?
  • Do I really need UM/UIM coverage?
  • Am I covered by my spouse’s policy after a separation?
  • What should my uninsured motorist coverage limits be in Oregon?
  • Do I need PIP coverage since I have good health insurance?
  • Do I need special endorsements for business use of my vehicle?
  • Why is insurance for a teen driver so high in Tigard?
  • Does my medical payments coverage pay my health insurance deductible?
  • Should I rate my vehicle as pleasure use or commute?
  • Is my vehicle covered for smoke damage?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Online quotes with a local Tigard insurance agent

Certain consumers would rather visit with an insurance agent and there is nothing wrong with that. The biggest benefit of getting online price quotes is that you can obtain the lowest rates but still work with a licensed agent.

By using this form (opens in new window), your insurance coverage information is submitted to insurance agents in Tigard who will battle for your insurance coverage. You never need to leave your house since price quotes are sent to the email address you provide. How cool is that?! Get lower rates and an insurance agent to talk to.

Selecting an insurance company needs to be determined by more than just the price. Agents should be asked these questions:

  • Is vehicle mileage a factor when determining depreciation for repairs?
  • If your car is totalled, how to they determine the replacement cost?
  • Do they regularly work with personal auto policies?
  • Are claims handled at the agent’s location?
  • Do they assist clients in filing claims?
  • How much will you save each year by using a higher deductible?
  • What insurance companies do they recommend if they are an independent agent?

How to choose the best insurance agency in Tigard

When searching for a reliable agent, you need to know there are two different types of agents that differ in how they can insure your vehicles. Insurance agencies in Tigard are categorized either captive or independent.

Captive Agents

Captive agents have only one company to place business with and some examples include Liberty Mutual, Allstate, Farmers Insurance or State Farm. Captives cannot place coverage with different providers so always compare other rates. Captive agencies are trained well on their company’s products which helps them sell insurance even at higher premiums. Consumers frequently choose to use a captive agent primarily because of high brand loyalty and strong financial ratings.

Listed below are Tigard captive agencies who may provide you with price quote information.

  • American Family Insurance – 14050 SW Pacific Hwy # 100 – Tigard, OR 97224 – (503) 620-8701
  • State Farm Insurance – 12900 SW Pacific Hwy # 220 – Tigard, OR 97223 – (503) 620-8000
  • Farmers Insurance Group – 6969 SW Hampton St – Tigard, OR 97223 – (503) 684-5557
  • Allstate Insurance – 7360 SW Hunziker St # 100 – Tigard, OR 97223 – (503) 684-1592
Independent Insurance Agents

These agents are not employed by any specific company but rather can write business amongst many companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency. When comparing rates, you should always include at a minimum one independent agency for the best price selection.Most can insure with lesser-known insurance companies which can be an advantage.

Listed below is a short list of independent agents in Tigard that can give you price quote information.

Tigard insurance ad

  • Horace Mann Insurance Co – 6650 SW Redwood Ln – Tigard, OR 97224 – (503) 598-3029
  • Glenn Horton Insurance – 12194 SW Scholls Ferry Rd – Tigard, OR 97223 – (503) 590-4440
  • Jeff Solem Agency – 7160 SW Hazelfern Rd # 800 – Tigard, OR 97224 – (503) 601-2078

To view a full list of car insurance agents in Tigard, click here to link.

Upon getting positive responses to these questions and a good coverage price, most likely you have located an auto insurance agent that is a good match to properly service your car insurance policy.

Even more information can be found at the Oregon Insurance Division website. Oregon consumers can download brochures, read consumer alerts, and find disaster information.

Other useful links include and