April 10th, 2012

GEICO stands for Government Employees Insurance Company. Geico is an automobile insurance company. It’s a wholly owned subsidiary of Berkshire Hathaway that as of 2007 supplied insurance coverage for over Ten million automobiles belonging to over 9 million policy owners. GEICO writes personal passenger car insurance in all of the fifty United States as well as the District of Columbia. Instead of depending on agencies to offer insurance policies, GEICO runs on the direct-to-consumer sales model and places money saved from not having to pay agent commissions towards purchasing tv advertising and marketing, with numerous advertisments running at the same time in nationwide market segments. Its mascot is “Martin,” a Gold dust day gecko which has a Cockney accent, voiced by English comic and actor, Jake Wood. GEICO is famous in pop culture because of its marketing and advertising, having produced numerous advertisements meant to entertain audiences.

GEICO was started in 1936 by Leo Goodwin and his spouse Lillian to offer car insurance straight to government personnel as well as their family members. Since 1925, Goodwin had worked for USAA, an insurance company which focused on covering only military personnel; he made a decision to begin his unique organization after growing as much as a civilian might go in USAA’s military-dominated bureaucracy. Based upon Goodwin’s encounter at USAA, GEICO’s unique business design was predicated around the presumption that government employees as a class would make up a significantly less risky and more economically steady pool of insureds, instead of the average man or woman. Even with the existence of the term “government” in the title, GEICO has long been an organization not associated with any federal government group.

In 1937, the Goodwins moved GEICO to Washington, D.C. and re-incorporated the organization as a D.C. company after understanding that their business design would perform best in the area with the greatest concentration of government personnel. Read the rest of this Oregon auto insurance entry »

Allstate Insurance

April 3rd, 2012

Dependability and expertise – With Allstate Insurance you receive more than 75 years of knowledge as well as an A+ exceptional financial strength ranking by A.M. Best.

Allstate Insurance Exceptional Service & Support – Their certified insurance experts can be found 24/7 to talk about your particular requirements. In case you have an insurance claim, you can rest assured it will be submitted effortlessly and dealt with appropriately.

Allstate Insurance Discounts

Allstate Insurance offers the finest blend of insurance coverage and cost. You receive personalized insurance coverage that’s equally as cost-effective as those one-size-fits-all insurance policies.

Allstate Accident Forgiveness – Experienced a car accident? Well, it happens. Whether or not the incident is your mistake, they are able to assist in keeping your premiums from increasing. Read the rest of this Oregon auto insurance entry »

State Auto Insurance

March 8th, 2012

State Insurance has been in the farm business pursuit of offering exceptional car insurance protection at a reasonable cost since 1922.  Answering our customers’ demands will keep us the first choice in automobile insurance.

In many states, in order to drive your personal car, you have to be covered by insurance.  State Automobile and farm insurance policies are made to help monetarily cover possible auto-related damages or injuries, loss or accidents.  They help safeguard you, your passengers, other motorists, people on the streets, other people’s property as well as your automobile.  They may also help safeguard you in case of an automobile-related legal action.

State Insurance Stays Solid In spite of Rough 2011

Combined value for the State Insurance group decreased for 2011 by $.4 billion to finish the 12 months at $60.8 billion.  This consists of a $.2 billion decline in value associated with the property-casualty companies’ unaffiliated investment portfolios.  The final results also indicate a $.2 billion pre-tax running loss to the P & C businesses, including an underwriting decrease of $4.5 billion, $1.3 billion greater than the underwriting decrease in 2010.  The underwriting outcomes in 2011 ended up being adversely influenced by substantial disaster activity. Read the rest of this Oregon auto insurance entry »

21st Century Auto Insurance

November 27th, 2011

21st Century Insurance was recently purchased by Farmers Insurance.  Let’s see what this online auto insurance company is all about.

21st Century Insurance is based in Wilmington, Del., and is now part of Farmers Insurance, which is the third-largest personal lines insurance company in the country.  Using the Internet and direct response marketing channels, 21st Century Insurance markets personal auto, motorcycle, boat, mobile-modular home, homeowners, renters, life and personal umbrella insurance directly to consumers throughout the U.S.  21st Century insures over two million vehicles across 49 states and Washington, D.C.

21st Century Insurance is a trade name for a leading group of direct-to-consumer auto insurers in the United States.  21st Century states that it is dedicated to providing customers with excellent coverage and award-winning service, and helping them save on auto insurance.

21st Century Insurance states that when it comes to your auto insurance, we are focused on bringing you the same great coverage as the other companies – but for less.

Whether you visit them online or speak with one of their insurance professionals, 21st Century states that it is dedicated to providing their customers with superior coverage and service, while saving them money on their auto insurance.  It’s a commitment that 21st Century takes seriously.

21st Century is now a proud part of the Farmers Insurance Group of Companies, the third largest personal lines insurer in the country.  With over 25,000 employees serving 20 million customers nationwide, Farmers has been providing outstanding value and service for over 82 years. Read the rest of this Oregon auto insurance entry »

The General Auto Insurance

August 9th, 2011

The General Auto Insurance Company has gained a reputation for providing auto insurance to high risk drivers.  What are high risk drivers?  These are drivers with some blemishes on their driving record.  Items you might find on a high risk driving record are things like At Fault Accidents, or speeding tickets and major violations.  These high risk drivers will typically need an SR-22 filing.  So lets learn a little more about this high risk auto insurance company called The General.

The General Automobile Insurance Services, Inc. (The General) is a licensed insurance agency that is a subsidiary of PGC Holdings Corp. (PGC).  Through its insurance company subsidiaries and their predecessors, PGC has been writing automobile insurance in many states (including Oregon) throughout the country for almost 50 years (since 1963). Read the rest of this Oregon auto insurance entry »

Progressive Insurance

May 15th, 2011

Now more than 100,000 Progressive Insurance customers countrywide get personalized car insurance rates by sharing how, how much, and when they drive with Progressive.  With the Snapshot Discount, Oregon drivers can save up to 30 percent more on their Oregon Auto Insurance after just 30 days of driving.  In addition, customers only need to share six months of driving data.

Not all Oregon drivers feel comfortable with hooking some kind of device into their automobile and have it recording their every move though.  Let us know how you feel about it.  While you’re at it, get an auto insurance quote from many different companies by filling out one form.  Start your quote now by clicking the button above.

Now, lets see how the Progressive Insurance Snapshot Discount works.

* After a driver signs up for the discount, Progressive Insurance sends them a device that plugs into the on-board diagnostic port of their car.  The device records and sends the driving data to Progressive Insurance.

* After 30 days, the customer finds out if they’re eligible for a discount — up to 30 percent — based on his or her driving habits and will see that discount applied to their policy.  People who drive less, in safer ways and during safer times of day are more likely to get the discount.

* At the end of the six-month policy term, Progressive Insurance  determines the renewal discount and the customer returns the device to them.

* Progressive may ask a customer to share an updated picture of his or her driving if he or she moves, adds a driver, or makes other policy changes. Read the rest of this Oregon auto insurance entry »

Farmers Insurance News

June 30th, 2010

Many of the top auto insurance companies offer some great tips and advice when it comes to auto insurance.  The following is some great stuff that Farmers Insurance has to offer;

Avoid common car accidents

The sound of your vehicle colliding with another is not something you want to hear.  A few preventive measures may help you reduce the chances of an accident.  Here are two simple things you can do:

1.  Look as far ahead as possible so you’re more likely to see potentially dangerous situations in time to avoid them.
2.  Keep a “space cushion” around your vehicle at all times.
At Farmers Insurance, we think the “3-second rule” may help you maintain safe space:  When the vehicle ahead of you passes a certain point, such as a sign, count “one-thousand-one, one-thousand-two, one-thousand-three.” This takes about 3 seconds.  If you pass that certain point before you finish counting, you’re following too closely.  In bad weather you may want to allow a 4-second (or more) cushion.

Some additional Farmers Insurance safety tips:

Avoid sudden swerving.  Try to look far enough ahead to be aware of potential hazards.  But if you need to swerve to avoid an object, such as an animal or vehicle in your path, turn the wheel smoothly and sparingly — turning only the amount you need to get around the object in the road.  Then, without hard braking, slow down as quickly as possible.  If you jerk suddenly, or turn too far, you could send the vehicle out of control, into a rollover or end up in another lane or run off the road.  You will definitely want to use your auto insurance for that accident.  Be assured that at Farmers Insurance, we will be there to help!

You get a blow-out.  If you’ve ever experienced the sudden loss of tire pressure you know it can be a very scary experience.  Typically you’re left with a vehicle that is difficult to control.  Your instinct may be to slam on the brakes:  Don’t.  A rapid slow down may make it even harder to maintain control.  Instead try to ease off the accelerator gradually while continuing to drive as straight as you can.  Once you have slowed the vehicle, ease over to the roadside and come to a full stop.  At Farmer Insurance, your auto insurance will come with towing and road side assistance, so you can be sure to get help with that flat tire!
You’re sliding on wet pavement.  If your vehicle starts sliding on a wet road, turn your wheel in the direction of the skid.  Look where you want to go rather than at the front of your vehicle.  Your hands tend to follow your eyes and this may help you get your vehicle going straight again.  Then call your Farmers Insurance agent.  He will know how to help you with your auto insurance coverages.
Your car suddenly accelerates.  Step on the brake pedal with both feet using firm, steady pressure. Do not pump the brakes.  Shift into neutral.  Use the brakes to make a controlled stop by the side of the road.  If you’re unable to put the vehicle in neutral, turn off the engine.  This will cut off power assist to the steering wheel and brakes, but as long as the key is in the ignition, you should still be able to steer and brake.  If you have an engine start/stop button, press it firmly for three seconds to turn the engine off.  Do not tap it.  If you have a conventional key ignition, turn the key to the ACC position.  Do not remove the key from the ignition. Read the rest of this Oregon auto insurance entry »

Oregon Auto Insurance Companies

June 22nd, 2010

How do you make sure that the Oregon auto insurance company you sign on with is going to be reliable? When we say “reliable,” we’re talking about how the insurer treats you, the customer. Most importantly, how will the insurance company deal with you when you file a claim

Here are several ideas for consumers to make sure their Oregon auto insurance investment is directed toward a trustworthy company, one that will pay on time and in full

1) Visit your state’s department of insurance Web site. Although you may not be familiar with it, your state, and every state, has a department of insurance. Most departments have Web sites, and many publish “consumer complaint ratios” for all of the Oregon auto insurance companies that sell policies in their state. This ratio tells you how many complaints an auto insurance company received per 1,000 claims filed.

It is recommended that consumers use complaint ratios to screen prospective auto insurance companies. Just because they’re a big name doesn’t mean that they’ll be a ‘good neighbor’ or that you’ll be ‘in good hands.

If you’ve done your homework, you should already have a list of Oregon auto insurance companies with the best auto insurance rates. Now jot down the companies with the lowest (or best) complaint ratios. Then, compare your two lists — the auto insurance companies that rank best on both lists merit your strongest consideration.

If you can’t find complaint ratios for your state, try examining the complaint ratios published by other states. Keep in mind that a single auto insurance company’s practices can vary significantly from state to state — a subpar ratio in one state doesn’t necessarily mean the situation is the same in your state. But watch for general trends. If an insurer is getting a lot of complaints in several other states, you probably don’t want to get involved with this auto insurance company.

Also note that insurance department Web sites often provide basic rate comparison surveys. These can give you a rough idea of which insurers might interest you on a financial basis. Oregon auto insurance rates can very greatly in each case. Read the rest of this Oregon auto insurance entry »

Car Insurance Portland Oregon – Rates and Quotes

June 8th, 2010

Oregon Car insurance is something every car owner needs (it is required by law), but Oregon car insurance quotes can be an expensive proposition. Depending on your age, driving record, the area you live in, the distance you drive in a given year, and type of car you drive, you could be paying thousands of dollars a year for Oregon car insurance rates.

As with any purchase, it is smart to shop around, compare quotes and see if you can find cheap car insurance in Oregon.  The internet has simplified this process, with Oregon insurance companies offering online quote questionnaires that are simple to fill out and usually generate a quote quickly.   These questionnaires are generally the same, asking for age, driving experience, accident history, whether you have been insured before, distance you drive in a year, distance you drive to work, and whether the vehicle is used for business or pleasure.  They can make it very easy to find car insurance in Portland Oregon.

These questions give insurance companies a basic profile of your driving record, but the questionnaire will ask other things you should not ignore.   Be sure to note if you have any anti-theft devices, how many, and what they are specifically.  This is less a problem with modern cars, since most come with at least an alarm pre-installed.   However, the more anti-theft devices in the car, such as a kill switch, boomerang, even glass etching, can significantly reduce the amount you pay, especially if you live in an area insurance companies consider “high-risk”.

If you happen to have two or more vehicles, be sure to say you’d like a multiple car discount.   Generally, this will reduce your Oregon car insurance quotes.  If you’re planning on selling your other vehicle, one trick is to cover that vehicle for liability only, so you can get the discount.

If you’re part of any groups or organizations, see if you qualify for a discount.  Many Oregon car insurance companies will knock off a few dollars for people who are affiliated with professional organizations, alumni groups, even fraternities and sororities.  Check with your credit card company, too.   Credit card holders can also qualify for group discounts, depending on the card.

Consider combining your home insurance policy with your car insurance.  Most companies will offer a deep discount if you do this, ranging from 5 to 20 %. This is usually an option you’ll find at the beginning of the online questionnaire.

Also be sure to check and see if the questionnaire enquires about any drivers education or defensive driving courses. The more you can show the insurance company you’re a safe driver, the more you will benefit.  You see, its easy to find low Oregon car insurance rates!

And consider getting only liability coverage on a car worth $1000 or less.  You can also raise your deductible.  Carrying a $500 deductible as opposed to a $250 or $0 deductible will lower your quote substantially.  Remember, you want to find the company that offers you cheap car insurance in Oregon.  Be sure to compare multiple quotes from several different car insurance companies.  What is the cheapest for one person is not always the cheapest for another.

Saving on your car insurance in Portland Oregon is easier than you might imagine.  Here are three ways to reduce your costs, as well as an estimate of potential savings based on the national median rate of about $1,400 per year. Read the rest of this Oregon auto insurance entry »

Oregon SR22 Insurance

June 6th, 2010

The policy known as Oregon SR22 insurance is actually the name of the form that this policy represents. If you’ve been in an accident with any kind of property damage or damage to the other people involved, or if you have been caught driving without insurance, then you might be hearing from the Department of Motor Vehicles. This is especially the case if you had bad coverage that had holes in the liability portion. You will be notified that you need a special kind of  form called Oregon SR22 insurance in order to get your license back, or just be allowed to drive again. You’ll need to keep the payments current and your auto insurance active in order to keep your license from being taken away again.

Oregon SR22 insurance takes into consideration other situations that you may want to protect yourself from as well. Things such as out-of-pocket financial loss faced if you’ve been found liable for any vehicular damages to someone’s car or their person while driving an uninsured car. You don’t even have to own the car for this to happen. If you were the one driving the vehicle at the time, you’ll be the one to get the ticket and have to face the charges.

Once you have your Oregon SR22 insurance coverage you can prove that you have up-to-date affordable low cost auto insurance. This way you’ll not be liable for any damages that may occur from operating a vehicle, whether it’s yours or some other person’s.

Whether you were involved in a traffic accident, caught without insurance, got a DUI, DWI, or been cited for reckless driving, you will more than likely be ordered to get SR22 insurance. If any of this information comes to the attention of a police officer, or a traffic court judge, you will have to comply. Not only is it going to satisfy your state’s mandatory amount of coverage for auto liability insurance required by law, it isn’t going to leave holes in your coverage like some cheap insurance policies will.

There are other reasons to purchase this Oregon SR22 insurance. A lot of people who don’t own a car, but, who will be operating vehicles as a part of their job purchase this kind of coverage. This low cost insurance option will do well to protect someone whose job depends on being able to drive. Chauffeurs, cab drivers, people who operate heavy machinery on construction sites, all of these people depend on being covered with the best low cost insurance available and SR22 insurance there is to help. Read the rest of this Oregon auto insurance entry »

Automobile Insurance

May 23rd, 2010

Automobile insurance is not very exciting. Depending on which state you live in, it could be a smaller or larger piece of your budget than your neighbors across state lines.

How much Automobile insurance should you buy?

Any insurance agent worthy of their salt will tell you that you should buy as much as you can afford. While this is a good rule of thumb, it is about as useful as a stockbroker’s tip to buy low and sell high. It might be sound logic but it does not get you any closer to an educated decision. A few filters need consideration in order to make that educated decision. First, what is the state required minimum coverage where you live? Second, what does the minimum cover? Third, what other coverage is available and can you afford it? Fourthly, what are you protecting?

What is the minimum automobile insurance for Oregon?

In the state of Oregon, the first two figures refer to Bodily Injury Liability Limits. For example, 25/50 means coverage up to $25,000 for each person injured in an accident, up to a maximum of $50,000 for the entire accident, and then you could have 25/50/20 with $20,000 worth of coverage for property damage.

What do the minimums cover?

Now that you know what your state requires, what are you actually covered for once you purchase the minimum? Using the coverage definitions that follow, find the types of coverage required and see what your state says is the accepted minimum.

Automobile Insurance Coverage Definitions

Bodily Injury Liability covers other people’s bodily injuries or death for which you are responsible. It also provides for a legal defense if another party in the accident files a lawsuit against you. Claims for bodily injury may be for such things as medical bills, loss of income or pain and suffering. In the event of a serious accident, you want enough insurance to cover a judgment against you in a lawsuit, without jeopardizing your personal assets. Bodily injury liability covers injury to people, not your vehicle. Therefore, it’s good idea to have the same level of coverage for all of your cars. Bodily Injury Liability does NOT cover you or other people on your policy.

Comprehensive covers your vehicle, and sometimes other vehicles you maybe driving for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals. Pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket.

Collision covers damage to your car when your car hits, or is hit by, another vehicle, or other object. Pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as large a deductible as you feel comfortable paying out of pocket. For older cars, consider dropping this coverage, since coverage is normally limited to the cash value of your car.

Medical Payments covers medical expenses to you and your passengers injured in an accident. There may also be coverage if as a pedestrian a vehicle injures you. Does NOT matter who is at fault.

Uninsured Motorist Bodily Injury covers bodily injuries to you and your passengers when the other person has no automobile insurance or not enough automobile insurance in a crash that is not your fault. In some states, there is also uninsured motorist coverage for damage to your vehicle. Given the large number of uninsured motorists, this is very important coverage to have, even in states with no-fault insurance.

Personal Injury Protection covers within the specified limits, the medical, hospital and funeral expenses of the insured, others in his vehicles and pedestrians struck by him. The basic coverage for the insured’s own injuries on first-party basis, without regard to fault. It is available in the state of Oregon.

Property Damage Liability covers you if your car damages someone else’s property. Usually it is their car, but it could be a fence, a house or any other property damaged in an accident. It also provides you with legal defense if another party files a lawsuit against you. It is a good idea to purchase enough of this insurance to cover the amount of damage your car might do to another vehicle or object. Read the rest of this Oregon auto insurance entry »

Cheap Auto Insurance

May 9th, 2010

How to Save Money with Cheap Auto Insurance

There is a very good chance that you are — this very moment — paying too much for your auto insurance. There is an even better chance that you could get a better rate, from another insurance company, than you could from your existing insurer.

So why not take an hour or so and review your policy for potential savings? Or, if you’re fed up with the high insurance rates from your current insurer, shop around for a new company with cheap auto insurance.

The Internet has created increasing competition between auto insurance companies. It is easier than ever for consumers to shop for cheap auto insurance, to analyze coverage and compare premiums. Still, studies have shown that people don’t shop around for insurance in the same way they might shop for a new car. Also, people tend to stay with the same auto insurance company for years. Why not prove these studies wrong? Put the power of the Net to work for you and save money in the process.

You can find cheap auto insurance in five ways:

1.  Make sure you get all discounts you qualify for.

2.  Keep your driver’s record clean and up-to-date.

3.  Adjust your coverage to assume more risk.

4.  Drive a “low profile” car equipped with certain money-saving safety features.

5.  Shop around for a good, low cost insurance provider.

First, let’s look at the discounts you might qualify for. Discounts fall into a number of categories:

Low-risk occupations, Professional organizations, Combined coverage, Discounts for safety features,  More risk assumed by driver, and Discounts for senior citizens.

Low-Risk Occupations

Insurance is a numbers game. Adjustors collect information about what types of people get into accidents. Over the years they see a trend. Drivers that work as engineers tend to get into fewer accidents. Why? It would be fun to speculate about the reasons (pocket protectors — need we say more?) but the insurance companies don’t really care about that. All they know is that, in fact, engineers are a low risk. Since there is less chance that they will wrap their cars around the trunk of a tree, they charge engineers less for insurance. Simple.

But you say you are a teacher instead of an engineer? You might still be in luck. There may be discounts for teachers. You never know unless you ask — and unless you shop around. Not all insurance companies are the same.  You will also find discounts for doctors, police officers, fire fighters and scientists. Read the rest of this Oregon auto insurance entry »

Auto Insurance Quote

May 4th, 2010

Get an Auto Insurance Quote Fast

Finding an auto insurance quote with the cheapest rate for automobile coverage can be a tough task for certain individuals depending on their personal situation and needs. Sure if someone has a crystal clean driving record and only needs a basic liability policy, then locating a low cost auto insurance quote can be as easy as making a couple of phone calls, but there are many motorists who may be in need of more extensive coverage and/or have had a few mishaps in the past which may cause their rates to be relatively high.

Everybody is looking to find an affordable auto insurance quote and this is especially true for individuals who have had tickets, accidents, been convicted of driving under the influence (DUI) or are newly licensed; this is because these motorists may be considered a high risk to insure and certain insurers will charge inflated premiums to cover the higher risks of a loss associated with insuring these individuals. In some cases some consumers may have assets to protect and feel the need to purchase policies that will cover their losses which can also raise rates, but of course they still want to pay as little as possible for the product they are seeking. Therefore, whether a person’s driving record is clean as a whistle, they have had a few incidents or need more coverage, the most effective way to get the cheapest auto insurance quote is to seek out the company which can offer it.

Finding the Cheapest Auto Insurance Quote

The basic principle of seeking out the most affordable coverage is quite simple; determine the amount and type of coverage needed and shop around until you find the company that can provide the product at the lowest price possible. While the concept may seem easy enough, locating a low cost premium can take a bit of time and if a consumer does not shop properly they may not find the best deal; as motorists comparison shop they should try to get as many quotes as possible before making a purchase and while this seems like it can be an extremely time consuming task, it does not necessarily have to be and can save a lot of money in the long run.

There are traditional methods of getting an auto insurance quote from insurers such as visiting offices, but driving to twenty different offices can be take a whole lot of time and can also burn a lot of gasoline. Although another popular method of calling carriers individually will not take as much time or use gas, it can eat up some cell phone minutes and is not the most efficient way to shop. The Internet has come along and made shopping for an auto insurance quote quick and convenient; there are even websites that can provide rates from over 50 different carriers in about five minutes. The Insurance Department and just about every other government consumer guide advises consumers to shop around before purchasing coverage in order to get the best deal; so regardless of the method preferred to compare rates, be sure to get as many auto insurance quotes as you can before obtaining a policy. Read the rest of this Oregon auto insurance entry »

Thank You

February 9th, 2009

Thank you for visiting Oregon Auto Insurance Search.  We hope you enjoyed our site, and can benefit from our service.  Please don’t forget to bookmark us, and tell your friends!