Buying a new car is an exciting but stressful experience. It's best to be prepared before you even leave home to start your journey from one dealership lot to another. Beside figuring out which car you want and if it is going to fit into your budget, you must decide which additional insurance options you want. The cost of the car can increase dramatically when you add on the interest charges and so many optional benefits that can be financed into the payments. Let's look at these options.
Okay. So you got pulled over by the police. You got a ticket for driving with no insurance. Worse yet, you got a ticket for driving while suspended. In Oregon, a police officer has the authority to have your car towed from the point where you were detained, leaving you stranded. Yep, walking home, calling for a ride. Embarrassing, huh?
First, be sure you need an Oregon SR-22. Usually, you need an insurance policy with SR22 in Oregon because somewhere along the way you have been convicted of driving with no insurance, had an accident (at-fault or not) involving no insurance, been convicted of a major infraction like DUI, or had your car randomly selected from the DMV database as not having insurance. Do any of these apply?
Rarely should you reach the point where you must file a complaint with a government agency. Insurance agents and companies must abide by certain laws and guidelines. Consumers and policyholders must also follow rules and comply with contractual obligations. Your time is worth something. If you feel you have been wronged in the handling of a claim, charging of a premium or processing of a policy, talk to your adjuster, agent or customer service representative first.
A simple phone call or email to the company or agent can often resolve an issue. The hard part is finding the right person to talk to. Your agent can help direct you to the right department or person. Contact your agent and have him or her stay on the line with you until the right person is found. It will always be easier to try to resolve a problem before it builds.
People love to save money on car insurance. Understanding that it is a privilege to drive on the streets and highways of Oregon also means people understand this privilege comes with certain costs and responsibilities. Buying an Oregon auto insurance policy is one of those costs. Drivers are responsible for the injury or damage they may cause in an accident. The way a driver can demonstrate he will take responsibility in an accident is by purchasing insurance which will pay the other guy whose car gets hit. There are so many ways to help reduce the cost of auto insurance in Oregon. This list will help you understand what insurance companies are looking for in order to reward you with lower rates.
1. Shop Around
Prices vary from company to company, so it pays to shop around. Get at least three price quotes. You can call companies directly or access information on the Internet. Get quotes from different types of insurance companies. Some sell through their own agents. These agencies have the same name as the insurance company. Some sell through independent agents who offer policies from several insurance companies. Others do not use agents. They sell directly to consumers over the phone or via the Internet. Don't shop price alone. Ask friends and relatives for their recommendations. Pick an agent or company representative that takes the time to answer your questions.
Identity Theft. It's in the news and on the tongues of most Oregonians. You see and hear ads all over the media offering you identity theft prevention, protection and clean up services. How do you lose your personal information and what can you do to protect it? What are the potential points of personal data loss? This article will address these and other issues regarding the security of your personal data.
Auto insurance prices seem to be going up steadily. Some companies have gotten bailed out by the government. Other insurance companies have been purchased or merged into other insurers. Changes in plans, names, ownership, regulation of insurance companies leaves many car insurance buyers bewildered. We can help you understand the changes and find affordable insurance plans from companies with a good service track record.
These tough economic times call for drastic changes. Exclusive or captive insurance agents are being given the opportunity to sell their businesses to other larger more profitable agencies. Some independent agents are selling out to large out-of-state conglomerates who are bullying their way into the State of Oregon charging outrageous fees to start your auto insurance policy and will only place you with insurance companies who are willing to pay above market commissions.
Independence. It's a word that gets thrown about with beneficial properties. For one to be independent implies choices. You get the feeling of freedom. Free to grow, free to choose, free to learn. With that independence one might feel a little be lonely. There is an aspect to independence that begs for solitude. When it comes to buying auto insurance, you are independent to choose the company, coverages and agents you want and need. But, you are never alone.
Good question! In Oregon, car insurance follows the car. Yes, you bought an auto policy from an independent or exclusive agent or from a direct writer company and it has your name at the top of the policy. However, the auto insurance is for the vehicles listed on the policy not any car you drive. The owner of each vehicle is responsible for insuring his or her own automobile. If he lends it out to someone else, he must keep it covered for at least the basic coverages.