Beaverton Auto Insurance Agency Price Comparisons

Comparing auto insurance companies in Beaverton, OR can be challenging because there are a lot of options and selecting the best Beaverton insurance agent for your needs is harder than just randomly choosing from the yellow pages. Consumers need a friendly agent, but also need competitive auto insurance rates.

Many insurance agencies vie for your hard-earned dollar, and because of this it can be hard to compare car insurance agents to discover the definitive cheapest price

Your personal situation dictates your coverage

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different so your insurance should reflect that For example, these questions may help you determine whether your personal situation might need professional guidance.

  • When should my teen driver be added to my policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered if I drive in a foreign country?
  • Is my teen driver covered when they drive my company car?
  • Why does it cost so much to insure a teen driver in Beaverton?
  • Should I have combined single limit or split liability limits?
  • Should I rate my vehicle as pleasure use or commute?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent.

Quote online, buy local

Good agents can help determine the best coverages and help you file claims. One of the great benefits of comparing rates online is the fact that you can find the lowest rates and still have an agent to talk to.

To make it easy to find an agent, after completing this simple form, your insurance coverage information is transmitted to insurance agents in Beaverton who will battle for your business. You don’t have to leave your computer since price quotes are sent immediately to your email address. How cool is that?! You’ll get the best rates AND an agent nearby.

Choosing an auto insurance agent needs to be determined by more than just a low price. Any agent should be forthright in answering these questions:

  • Are you getting all the discounts the company offers?
  • How many years of experience in personal lines insurance coverages do they have?
  • Can glass repairs be made at your home?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Is the agent and/or agency licensed to do business in Oregon?

Captive agents vs. Independent agents

When finding a local agent, you need to know there are two different agency structures from which to choose. Beaverton agents can either be independent (non-captive) or captive.

Captive Insurance Agents

Captive agents have only one company to place business with such as AAA, State Farm, Farmers Insurance and Allstate. They generally cannot shop your coverage around so keep that in mind. Captive agencies are usually quite knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.

Below are captive agencies in Beaverton who can help you get price quotes.

Allstate Insurance – 14860 SW Farmington Rd – Beaverton, OR 97007 – (503) 520-9580
American Family Insurance – 4800 SW Griffith Dr # 104 – Beaverton, OR 97005 – (503) 643-9922
State Farm Insurance – 12852 SW Canyon Rd – Beaverton, OR 97005 – (503) 644-3151
Farmers Insurance Group – 4425 SW 109th Ave – Beaverton, OR 97005 – (503) 644-8103

Independent Agents

Independent insurance agents are not employed by any specific company but rather can write business with multiple insurance companies depending on which coverage is best. To transfer your coverage to a different company, they simply move the coverage in-house and you don’t have to find a new agent.

When shopping rates, it’s a good idea to get quotes from multiple independent agents for the best price selection.

Below are independent agents in Beaverton that are able to give comparison quotes.

Lamont Robert Agency – 731 SW 185th Ave – Beaverton, OR 97006 – (503) 848-8818
Actradius Credit Insurance Inc – – Beaverton, OR 97007 – (503) 649-7722
John L Mc Nassar Agency – 5725 SW Hall Blvd – Beaverton, OR 97005 – (503) 644-7954
Larry Thompson Agency Inc – 15455 NW Greenbrier Pkwy # 100 – Beaverton, OR 97006 – (503) 924-2200
Parkside Insurance – 8255 SW Cirrus Dr – Beaverton, OR 97008 – (503) 643-9517

For a complete listing of auto insurance agents in Beaverton, go to this page.

After getting good answers and a low price estimate, most likely you have located an auto insurance agent that is a good match to properly insure your vehicles.

Isn’t it cheaper to buy direct online?

Auto insurance agents are indespensible for some people, but you also have the option of buying from companies direct over the internet. Some car insurance companies like State Farm and Allstate who employ agents additionally provide the ability to get quotes and purchase online, and online price comparisons are easy.

If you’re anxious about not having an agent to talk to when buying direct, this is normal but is quickly overcome. Insurance companies that require consumers to choose their own coverages provide phone numbers and online resources to answer your questions.

Can you save money buying online? Many people swear by it, but it’s difficult to answer because of the fact that insurance companies use many factors that impact your rate calculation. Some people think that a consumer who buys direct saves the cost of an agent commission. In many cases, there are high advertising and marketing costs so rates may not be all that different from traditional agents.

More detailed Oregon auto insurance information can be read at the Oregon Insurance Division website. Oregon consumers can view agent and company licensing information, read industry bulletins, find out industry alerts, and file complaints about a company.

Beaverton OR insurance prices

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Compare but don’t skimp

As you prepare to switch companies, you should never reduce coverage to reduce premium. There are a lot of situations where someone dropped comprehensive coverage or liability limits only to regret that it was a big error on their part. Your focus should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

Cheaper auto insurance can be found online as well as from independent agents in Beaverton, so you should compare both in order to have the best price selection to choose from. Some insurance companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.