What is diminished value?

Auto Accident

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 know has been […]

Safeco RightTrack®

Safeco RightTrack

RightTrack rewards Safeco policyholders for their safe driving habits. Customers receive an initial 10% discount upon enrollment that lasts through the review period. After just 90 days – half the time it takes to complete other carriers’ telematics programs – they receive a final discount of 5% to 30% that stays with them through the […]

What are Oregon State Auto Insurance Laws?

Insurance

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 $15,000 per person. Uninsured motorist […]

Want to know more?

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 Blue Book Values. Research the […]

What is Car Insurance?

Car Insurance (aka Auto Insurance) blends several types of coverage into one policy. Typically, your policy will include some combination of comprehensive, collision, medical, liability and uninsured motorist coverage. So what do you need? It depends on your specific situation. Liability pays for the damage you cause to others if your car is involved in […]

Yes, Credit is Involved.

We get it, ‘Credit’ is a scary word but it doesn’t have to be. Insurance companies often use consumer credit information in determining if they will offer a consumer automobile or homeowners’ insurance policy and how much that policy will cost. A credit-based insurance score is a rating based in whole or in part on […]

Do I Really Need Car Insurance?

Legally speaking, yes. In Oregon, it is required to carry a minimum amount of liability insurance to provide relief to any victims if an accident were to occur. The rest is up to you, but we are here to help you make a positive financial decision. Think about this every time you get behind the […]

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 household members from any coverage […]