Tips to Finding the Right Auto Insurance Provider in Eugene Oregon

When searching for a licensed insurance agent in Eugene, we recommend you do an initial search by getting online comparison quotes rather than looking in the yellowpages. For the sake of this article, we’ll assume you require not only a highly trained agent, but also great rates as well.

With companies like State Farm, Allstate and many independent agents all competing for your business, it’s hard to tell which will provide the lowest rates and best service. Fortunately, it’s easy to use online price quotes to build a list of agents to choose from.

Quote online but work with a neighborhood agent

Good agents can answer important questions and help submit paperwork. The best thing about comparing insurance prices online is the fact that you can find the best rates but also keep your business local. And supporting local agencies is important especially in Eugene.

To help locate an agent, after submitting this form (opens in new window), your coverage information is submitted to companies in Eugene who will battle for your insurance coverage. There is no need to visit any agencies because quoted prices will be sent to your email. It doesn’t get any easier! Get lower rates and a licensed agent to work with.

To view licensed agents in Eugene, visit this site.

Choosing an insurance agent needs to be determined by more than just a cheap price. Here are some questions to ask:

• Are you getting all the discounts the company offers?
• How long has their agency been in business in Eugene?
• Do they make recommendations based only on price?
• Do they have any clout with companies to ensure a fair claim settlement?
• If you have an accident, will your rates go up?

Once you have positive responses to these questions and an affordable coverage quote, most likely you have located a car insurance agent that can insure your vehicles.

Different people need different coverages

When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining if your situation will benefit from professional help.

• How high should my medical payments coverage be?
• What is the minimum liability in Oregon?
• Should I buy only the required Oregon minimum liability coverage?
• Can I afford to buy a different vehicle if my vehicle is totaled?
• Am I covered if I drive in a foreign country?
• Why am I be forced to buy a membership to get insurance from some companies?

If you’re not sure about those questions, you may need to chat with an insurance agent.

Can I save by buying online?

Insurance agencies are important to many people, but Oregon consumers also have the option to buy directly from online companies. Certain auto insurance companies, such as State Farm, Allstate and Farmers, that sell primarily through agents also allow consumers to buy online, so this should also be taken into consideration to possibly find a better rate.

If you’re worried about whether or not you’ll have guidance when buying online, that should not be a issue. Online companies that require consumers to choose their own coverages provide phone numbers and online resources to walk you through the process. They also offer online education and live help anytime you can access prior to buying.

When shopping for low rates, the only way to find out if car insurance prices are lower online or from agents is to set aside time to compare rates from both. It’s fairly common that you receive different coverage costs comparing agents to online prices from the exact same provider.

Is online auto insurance cheaper? It’s difficult to provide an answer due to the fact that there are many factors which can adversely affect your policy premium. Common sense would say that buying online reduces premiums because there is no agent. For most companies selling online, however, marketing their products costs a lot of money so there may not be significant savings.

Buy online or local, you save

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced uninsured motorist or liability limits and learned later they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at a price you can afford.

Insureds who switch companies do it for a number of reasons such as policy non-renewal, poor customer service, extreme rates for teen drivers or even delays in paying claims. No matter why you want to switch, finding a new auto insurance company is pretty easy and you might even save some money in the process.

Much more information about auto insurance in Oregon is located on the Oregon Insurance Division website. Click here for link. Oregon drivers can read consumer alerts, view agent and company licensing information, and find disaster information.