Auto Insurance
The Best Combination of Price and Coverage. Auto Insurance Tailored Specifically to You.
Whether you need comprehensive, collision, medical, liability or uninsured motorist coverage, we are here to provide the correct auto insurance package that is specific to you.
What Does All This Mean? Let Us Explain.
Tell me why!
- Pays for the damage you cause to others if your car is involved in an accident.
- Let us protect you from being wiped out financially if you are sued following an accident.Â
- Covers damage to your car from an accident.
- Let us calculate the value of this based off your car’s worth and you can decide if Mustang Megan is worth the coverage.Â
- Coverage pays for your car if it is stolen, vandalized or damaged in some way other than in a collision. No car and no comprehensive coverage? Not a great combo.
- Let us minimize the sticky situation.Â
- Coverage provides for medical expenses to you and your passengers that are the result of an accident.Â
- Let us help you determine the amount of medical coverage you need based off your average amount of passengers.
Let's make insurance easy...
Car Insurance FAQ's
Who can I insure to drive my car?
Anyone who regularly drives your vehicle should be added as a driver on your policy as well as anyone in your household or who has regular access to your vehicle. We always think it is better to be safe now than be sorry later. Otherwise, you will need to exclude
What Is Car Insurance and Why Do I Need It?
Car insurance is designed to protect you and everyone who shares the road with you from the potentially high cost of accident-related and other damages or injuries. It is a contract in which you pay a certain amount — or “premium” — to your insurance company in exchange for a
What is Diminished Value?
Diminished value explained Depending on its age and condition, a car that has been in a major accident generally has less resale value than the same vehicle in pre-crash condition. Even if the car repairs meet the highest quality standards, potential buyers are unwilling to pay as much for a car they
Car Insurance Glossary
Actual cash value (ACV): The market value of your car. Adjuster: A representative of an insurance company whose job is to determine and “adjust” the amount of a loss and decide how much the company will pay for it. Binder: An acknowledgment that the insurance for which you applied is
Helpful Links
The Oregon Driver and Motor Vehicles Division of ODOT is where you go to get a driver’s license, ID card, register your vehicle, and much much more. Kelley Blue Book provides free values and pricing on new and used cars. New car pricing includes the invoice, MSRP, and New Car
What Does Car Insurance Cover?
It depends on the coverage options you choose. Since bodily injury and property damage liability insurance is required in most states, at a minimum your policy should cover vehicle and property damage, injury-related expenses for other people involved in an accident you cause, up to the state-mandated minimum policy limits.
Insurance for wildfires
Make sure you’re prepared for a fire with adequate coverage Insuring yourself against wildfires If the area in which you live is at risk for wildfires, make sure to take appropriate measures to protect your home against these catastrophically destructive events. Read moreWhat is homeowners insurance and why do I need it?However,
What are some practical things I can do to lower my automobile insurance rates?
There are a number of things you can do to lower the cost of your automobile insurance. The easiest thing to do is ask us to get quotes from several insurance companies (we do this for you automatically). It is not uncommon to find quotes on automobile insurance that can
Should I add an umbrella policy?
Umbrella insurance is additional personal liability coverage that can offer an additional layer of protection beyond what your homeowner’s insurance can provide. If you or a family member are found personally responsible for serious property damage or personal injury to others, the cost of damages can quickly add up beyond
What are Oregon State Auto Insurance Laws?
In Oregon, it is illegal to drive without liability coverage. See ORS 806.010. The minimum insurance a driver must have is: Bodily injury and property damage liability $25,000 per person; $50,000 per crash for bodily injury to others; and $20,000 per crash for damage to others’ property. Personal injury protection
Is my vehicle covered if I let someone else drive it?
Your insurance follows your vehicle, wherever it goes. So if you lend your car to a friend, co-worker, or visiting relative, you’re lending your insurance along with it. Your policy will defend your vehicle should any claims arise, so it’s important that whoever is borrowing the car will act responsibly.
Winter weather and insurance claims
Combine icy, snowy roads with motorists who are not used to these conditions and the risk of car crashes increases. Winter is a good time to review your insurance. Do you know what your policy covers? Here are some typical questions motorists ask during winter: I slid into another car and
Experienced Advisor.
Community Advocate.
Our goal is to stand up for and give back to our community. We cherish the relationships that we have developed with local non-profits such as the Sam Day Foundation, Everybody Athletics, Embrace Oregon and Friends of Baseball.
If you know of another local, community cause, please let us know!
Local.
Did we mention we are just around the corner here in Beaverton, Oregon? Come visit us at our office or give us a call at 503-649-5679 and we will review all the options with you!
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