Tips for Searching Online for a Salem Oregon Insurance Agent

If you’re trying to find a licensed insurance agent in Salem, you can do an initial search using online quotes instead of calling around. You need a professional agent, but also the lowest rates for car insurance in Salem.

Companies like GEICO and Progressive promote their brand names with catchy ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

Do I need special coverages?

When it comes to buying the best car insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions may help highlight whether you may require specific advice.

• Is rental equipment covered for theft or damage?
• Do I need motorclub coverage?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Does my medical payments coverage pay my health insurance deductible?
• Is my babysitter covered when using my vehicle?
• Does my insurance cover my expensive audio equipment?
• Does liability extend to a camper or trailer?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent.

Salem agents for car insurance

Insurance agents can help determine the best coverages and give you peace of mind. The best thing about comparing rates online is you can get lower rates but also keep your business local.

To make it easy to find an agent, after completing this form (opens in new window), the quote information is instantly submitted to local insurance agents who will give you bids for your insurance coverage. There is no reason to visit any agencies as quotes are delivered to your email. Now that’s easy!

Selecting a car insurance agent requires more thought than just the bottom line cost. Here are some questions to ask:

• Do they assist clients in filing claims?
• Are they full-time agents?
• Which company do they place the most coverage with?
• If you are a high risk driver, do they have special markets for your coverage?
• Do the coverages you’re quoting properly cover your vehicle?
• Are there any discounts that you might be missing?

The following are agents in Salem willing to provide comparison quotes.

• Allstate Insurance – 585 Lancaster Dr SE, Salem, OR 97301 – (503) 399-1506
• Liberty Northwest Insurance – 1193 Liberty St SE, Salem, OR 97302 – (503) 378-7052
• Capitol Insurance Ctr Inc – 4035 12th St SE # 150, Salem, OR 97302 – (503) 585-4000
• Mid Valley General Agency – 3400 State St # G740, Salem, OR 97301 – (503) 365-7001
• State Farm Insurance – 2100 Lancaster Dr NE # 1e, Salem, OR 97305 – (503) 364-0084
• Farmers Insurance Group – 720 Hawthorne Ave NE, Salem, OR 97301 – (503) 586-8686

To view a full list of licensed insurance agents in Salem, please view this page.

After receiving reasonable responses to any questions you have and a low price estimate, most likely you have located a car insurance agent that can properly insure your vehicles.

Does buying direct online save money?

Car insurance agents are perfect for certain consumers, but Oregon car insurance can also be bought direct online. Some companies who have local agents in Salem also give you the option to quote and buy online, so this should also be taken into consideration if you don’t want to take the time to contact agents.

If you’re anxious about not having someone to ask questions when buying car insurance direct, that should not be a issue. Online companies provide toll-free numbers for answering any questions you have.

The best approach to find out whether prices are lower online or from agents is to take the time to compare rates from both. Lots of times people will get different prices from exactly the same company when comparing online quotes to a quote from an agent. But it’s impossible to know if the lower rates are from agents or online without quoting coverages from both ways.

Is auto insurance cheaper online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because there are so many things which can raise or lower premium rates. You may think that buying car insurance online prevents the agent from taking a cut. But truthfully, advertising budgets are huge and those expenses can offset most of the savings by selling direct.

More tips and info about car insurance is available at the Oregon Insurance Division website. Oregon drivers can find disaster information, read state legal mandates and laws, find a variety of consumer forms, and discover disciplinary actions.

More quotes mean more savings

As you go through the steps to switch your coverage, do not reduce needed coverages to save money. Too many times, consumers will sacrifice liability limits or collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at the best price while still protecting your assets.

Consumers switch companies for a variety of reasons including an unsatisfactory settlement offer, denial of a claim, lack of trust in their agent or even not issuing a premium refund. It doesn’t matter why you want to switch finding a great new company is pretty simple and you could end up saving a buck or two.