Is Your Lake Oswego Oregon Car Insurance Too High?

Finding the lowest price for Lake Oswego car insurance may seem to be difficult if you have never used online quotes. But don’t let that discourage you because there is an easy way to compare rates.

Consumers need to get comparison quotes before your policy renews since insurance rates are rarely the same from one policy term to another. If you had the lowest rates a year ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the best way to find great coverage at a great price.

Finding Car Insurance Deals in Lake Oswego, OR

All the larger car insurance companies quote insurance quotes online. Obtaining pricing is fairly straightforward as you just enter the coverage amounts you desire as requested by the quote form. Once you submit the form, the system automatically retrieves reports for credit and driving violations and provides a quote based on many factors.

This simplifies rate comparisons, but the process of having to visit multiple sites and type in the same information can get tiresome after awhile. But it’s very important to get many rate quotes if you want to find the best price on car insurance.

The preferred way to lower your car insurance bill uses one simple form that gets price quotes from more than one company. The form is fast, requires much less work on your part, and makes comparison shopping much more efficient. Immediately after you send the form, it is quoted and you can select any of the quotes that you receive. If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. This process takes less than 15 minutes and you’ll know if lower rates are available.

If you want to find out how much you can save on car insurance, click here to open in a new tab and enter your vehicle and coverage information. If you have your current policy handy, we recommend you enter deductibles and limits identical to your current policy. This makes sure you will have a fair comparison for the exact same coverage.

How can State Farm, GEICO and Progressive save drivers who switch?

Oregon consumers can’t ignore all the ads for car insurance savings from companies such as State Farm, GEICO and Progressive. They all say the same thing of big savings if you switch your policy.

How does each company make almost identical claims?

All the different companies have a preferred profile for the driver that makes them money. An example of a driver they prefer might be over the age of 50, insures multiple vehicles, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile will get very good rates and as a result will probably pay quite a bit less when switching companies.

Drivers who do not match the requirements must pay more money and ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everybody who quotes” save that much. That’s the way companies can truthfully claim big savings. This illustrates why you need to compare as many rates as you can. It’s impossible to know which insurance companies will provide you with the cheapest rates.

Do you qualify for a discount?

Companies offering auto insurance don’t necessarily list all available discounts very well, so we took the time to find some of the best known and the harder-to-find discounts you could be receiving. If you don’t get every credit you deserve, you’re just leaving money on the insurance image

  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% depending on your company.
  • Bundle and Save – When you combine your home and auto insurance with one company you may earn approximately 10% to 15%.
  • One Accident Forgiven – Certain companies will forgive one accident without raising rates if you are claim-free for a certain period of time.
  • Discount for Swiching Early – Some insurance companies reward drivers for signing up before your current expiration date. The savings is around 10%.
  • Clubs and Organizations – Being a member of a qualifying organization may earn a discount when shopping for car insurance.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Some only apply to specific coverage prices like collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

To choose companies with the best car insurance discounts in Lake Oswego, click this link.

Compare online but buy from a local Lake Oswego agent

Some consumers would prefer to talk to a local agent and there is nothing wrong with that. Good agents can answer important questions and help you file claims. The best thing about comparing insurance prices online is the fact that you can find better rates but also keep your business local.

Once you complete this quick form, your insurance coverage information is sent to local insurance agents who will return price quotes for your business. There is no reason to drive around due to the fact that quote results will go straight to your inbox. Now that’s easy!

Picking an provider should depend on more than just a low price. Here are some questions to ask:

  • Is assistance available after office hours?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Is the agency involved in supporting local community causes?

Choose the right insurance agency

When finding a good insurance agency, there are two types of insurance agents to choose from. Agents are either captive or independent (non-captive). While both can write coverage properly, but it’s important to know how they are different since it can impact the selection process.

Captive Agents

These agents work for only one company and examples are State Farm or Allstate. Captives cannot place coverage with different providers so they have no alternatives for high prices. They are very knowledgeable on their company’s products and that can be a competitive advantage. Consumers frequently buy insurance from these agents mostly because of the brand legacy and the convenience of having all coverages with one company.

The following is a list of captive agents in Lake Oswego who may provide you with price quote information.

  • Liberty Mutual Insurance – 4949 SW Meadows Rd # 650 – Lake Oswego, OR 97035 – (503) 639-6861
  • Allstate Insurance – 15900 Boones Ferry Rd – Lake Oswego, OR 97035 – (503) 635-7765
  • State Farm Insurance – 17690 Boones Ferry Rd – Lake Oswego, OR 97035 – (503) 636-7667
  • American Family Insurance – 15630 Boones Ferry Rd # 5 – Lake Oswego, OR 97035 – (503) 699-2575
  • Farmers Insurance Group – 16325 Boones Ferry Rd # 100 – Lake Oswego, OR 97035 – (503) 697-7722
Independent Agencies or Brokers

Independent insurance agents are not employed by any specific company so they can insure your vehicles with many different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent.

When searching for an agent, you should always get quotes from at a minimum one independent agency for maximum quote selection. They often place coverage with lesser-known insurance companies who may have lower rates.

Shown below are independent agencies in Lake Oswego who can help you get price quote information.

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  • Walter L White Insurance – 415 N State St # 146 – Lake Oswego, OR 97034 – (503) 635-3063
  • Avison Agency – – Lake Oswego, OR 97035 – (503) 699-5502
  • American Hardware Insurance – 11830 Kerr Pkwy – Lake Oswego, OR 97035 – (503) 977-0724
  • Mortensen Agency – 623 Ridgeway Rd – Lake Oswego, OR 97034 – (503) 635-6542
  • Kristine Wiseman Agency – 200 N State St # 101 – Lake Oswego, OR 97034 – (503) 636-0200

To view a full list of insurance agents in Lake Oswego, visit this site.

After receiving good answers and an acceptable price quote, you have narrowed it down to a car insurance agent that meets your needs to properly service your car insurance policy.

More detailed Oregon car insurance information is located at the Oregon Insurance Division website. Visitors are able to download brochures, find out which companies have the most complaints, read state legal mandates and laws, and find disaster information.

Shop smart and save

As you prepare to switch companies, make sure you don’t reduce coverage to reduce premium. There have been many situations where an accident victim reduced comprehensive coverage or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at an affordable rate.

Consumers change insurance companies for many reasons like poor customer service, lack of trust in their agent, delays in responding to claim requests or questionable increases in premium. Regardless of your reason, switching car insurance companies is pretty easy and you might even save some money in the process.

Low-cost car insurance can be sourced from both online companies and with local Lake Oswego insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some car insurance companies do not offer online price quotes and most of the time these small insurance companies sell through independent agents.