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Author: Tye Farnsworth

For the lowest Central Oregon Car Insurance rates and to get quotes for all of your other insurance needs, contact the Farnsworth Agency today at: (541) 318-8835 or visit our website at
Reasons to Leave Your Central Oregon Car Insurance Company

Reasons to Leave Your Central Oregon Car Insurance Company

By Tye Farnsworth

BEND, Ore. – In 2017, most families are still on fixed incomes and paying for Central Oregon Car Insurance can become a burden especially if there are multiple drivers in the family, and one of those drivers is under the age of 25.

Thankfully, there are many affordable options for car insurance available today so if you’ve been thinking about leaving your car insurance company you should make the switch especially for these reasons.

Reason #1 – Your Rates Keep Going Up and It’s Not Your Fault

Have you experienced a Central Oregon Car Insurance rate increase in the last two years? If so, this is the first reason to switch to a new car insurance company because rate increases that are not the result of you getting into a car accident or injury shouldn’t be tolerated especially since there are many options for car insurance out there for you to choose from.

Reason #2 – You Want to Bundle Your Policies but Your Car Insurance Company Doesn’t Bundle

Another great reason to switch Central Oregon Car Insurance policies is when you want to bundle all of your policies with one company and your insurance company won’t offer you a bundle rate.

Bundling your insurance policies together will save you money each month and it makes sense to choose a car insurance company who wants to earn your business by offering you an affordable bundle rate.

Reason #3 – It’s Impossible Reaching Your Central Oregon Car Insurance Agent

Last of all, but most important, lack of customer service is another great reason to switch to a new car insurance company especially if you are unable to speak with a live person or get your car insurance questions answered in your time of need.

At the Farnsworth Agency, we’re located right here in Bend Oregon and have live representatives available to talk with you over the phone or in person, during normal business hours, should you need assistance with your car insurance questions or policy.

Get Central Oregon Car Insurance Here

For affordable Central Oregon, Car Insurance contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to get a car insurance quote online.

Planning on buying a car? Don’t forget to estimate car insurance

Planning on buying a car? Don’t forget to estimate car insurance

Even the savviest car shoppers often forget to estimate car insurance costs before buying.

The type of car you drive is one of the key variables car insurance companies plug into their formulas to determine how much to charge you. Depending on the vehicle, the cost of car insurance can vary by hundreds of dollars a year for the same driver.

That’s why it pays to get some initial car insurance quotes for models you’re thinking about buying. Along with gas mileage and maintenance costs, car insurance premiums are an important consideration when calculating the long-term cost of owning a car.


For most categories, NerdWallet averaged rates from the largest insurers for 30-year-old men and women in 10 ZIP codes and with 100/300/50 liability insurance limits, 100/300 uninsured motorist bodily injury coverage limits, and collision and comprehensive coverages each with a $1,000 deductible. We included additional coverage if it was required by state law. We used a 2013 Toyota Camry in all cases.Our sample retired driver was 67 and drove 50% fewer annual miles than other groups, as did our sample low-mileage driver. Our sample young driver was 22 and carried the minimum required coverage. These are sample rates generated through Quadrant Information Services. Your own rates will be different.

Why some cars cost more (or less) to insure than others

Insurance companies charge varying premiums for different car models. Here are some of the vehicle characteristics that affect the cost of insurance:

  • Retail price — Generally, the pricier the car, the more expensive it will be to insure. Assuming you buy comprehensive and collision coverage, the insurance company will be on the hook to pay out the car’s market value if the vehicle is stolen or wrecked beyond repair.
  • Cost of parts — High-end models such as sports cars often use parts made from carbon fiber and other specialized materials that are expensive to repair, which drives up the cost of damage claims.
  • Safety — Over time, cars that do a good job of protecting drivers and their passengers bring down insurance costs. Fewer injuries means fewer claims for medical payments and personal injury protection.
  • Typical driver — Vehicles that tend to attract safe drivers — think minivans — are generally cheaper to insure. Safer driving means fewer wrecks, which translates into fewer claims for injuries and property damage.

How to get car insurance estimates

In your search for a car, follow these steps for estimating the cost of car insurance.

  • Narrow down your top choices for vehicles.
  • Decide how much coverage you need. If you’re buying a new car, include collision and comprehensive, which cover damage or loss of the vehicle. Your lender will require you to carry them if you finance the car. If you’re buying a used clunker with cash, you may not need collision and comprehensive.
  • Get quotes for the same amount of coverage for the vehicles you’re thinking about buying. NerdWallet’s car insurance comparison tool can help you get started. You don’t have to provide personal information to get initial estimates.
  • Average the three lowest quotes to estimate the cost of insurance for each vehicle.
  • Factor in the cost of car insurance to help you make a final choice. If you can afford a Porsche 911, you probably don’t have to worry about a few hundred dollars’ difference in premiums. However, it’s still a good idea to know how much car insurance will cost.

Get Car Insurance Here

For affordable car insurance contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to connect with us online.



Paying too much for car insurance? Click here!
car insurance myths you need to know

car insurance myths you need to know

There are a lot of car insurance myths that continue to be spread around by consumers. One of the biggest reasons for car insurance myths is that you do not exactly know how your car insurance is calculated by your insurance company. These calculations are a closely guarded secret by most car insurance companies, but there are a few clues as to what makes our car insurance rates rise.

It is important when you compare car insurance rates to understand as much as you can about how your car insurance rates are calculated and to debunk the popular car insurance myths in order to ensure that you are saving money on car insurance as much as possible. For every six months of accident-free driving you can earn a check from Allstate Auto! Quote Now!

Top Car Insurance Myths


The color of your car does not affect the price you way for your car insurance premium. This is one of the most popular car insurance myths that continue to circulate throughout the country and across generations. But, the fact of the matter is that car insurance companies do not car what color your car is when they calculate your car insurance premiums. There are many many auto insurance leads that you can check out to compare insurance premiums.

Red cars do not equate to a higher insurance rate simply for the fact of being red. Car insurance companies care about their historical data on the likelihood that your make, model, and year of car will be damaged. They care about your history of driving and the likelihood that they will have to payout a claim against your policy more than anything else when determining the price they will charge you for your insurance premium.


Owning a sports car does not automatically equate to having higher car insurance. Studies have shown that there are many other types of car classes, certain makes, and models that are much more costly to insure than sports cars.

Car insurance companies set car insurance premiums based on the cost and likelihood of a claim based on each individual person and the type of car insured. Some cars have historically higher repair costs and higher replacement parts costs that can significantly increase the cost of their insurance premiums.


For most car insurance policies, the insurance policy remains with the vehicle and not the driver. So, if you allow your friend or someone else to drive your car, you and your insurance company could still be still responsible for any damages or injuries from an accident.

Once your insurance policy has been maxed out, you may be able to tap into the driver’s insurance policy in the event of an accident with a lot of damage and loss. Do not make the mistake in believing the car insurance myth that you are not responsible when you loan your vehicle to someone. You and your car insurance could still be on the hook.


Your car may not be completely covered by enough insurance to pay off your loan if it is totaled. Often borrowers roll old car loans into new car loans, and most new cars depreciate significantly as soon as you drive it off of the car lot. This can create a gap between the true value of the car and the amount of money that you owe the bank on your car loan.

Almost all car insurance policies have a clause that they will only payout the cost of your vehicle. They will not pay the amount of your loan balance if your car is worth significantly less. You need gap insurance which is a separate and specific type of car insurance used just for this purpose. Gap insurance covers that gap between the amount your car insurance will payout and the rest of your loan balance on the car.


You need to check with your car insurance company before you rent a car to ensure that you have the proper car insurance clauses that cover rental cars on your insurance policy. Not all policies cover rental cars. It is not an automatic entitlement. You need to have it added to your current car insurance policy, and typically this is a very inexpensive provision to add to your policy.

Depending on the credit card you use, you may already have car insurance as a credit card benefit. Many credit card companies offer car insurance coverage for rental cars when you use their credit card. You should check to see if you’re covered for rental car insurance by your credit card.


You may find that your personal property, like a laptop or cell phone, may not be covered under your car insurance policy. These types of items are typically excluded from your car insurance policy, and claims must be filed under your homeowner’s insurance or renter’s insurance. This may not be very cost effective though depending on your homeowner’s insurance deductible which often tends to be higher than a simple car insurance policy’s deductible.

Get A Car Insurance Quote Here

For an affordable Central Oregon Car Insurance quote contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to connect with us online. 

How to Save More on Car Insurance With Online Quotes

How to Save More on Car Insurance With Online Quotes

BEND, Ore. – Are you tired of overpaying for car insurance? Thankfully you can start saving money on car insurance as early as today by getting an online quote.

Before choosing a car insurance policy based on an online quote alone make sure you follow these simple tips for choosing the right car insurance agency and getting a low car insurance premium:

  1. Do an annual rate check. Check rates from other companies to make sure you are getting the best deal. Many state insurance departments offer guides to available services, and while online you can find insurance comparison tools. Of course, personalized quotes aren’t immediate and often require a call back from an agent, but comparison shopping online can be a time-efficient way to find a better deal.

  2. Pick a top-rated insurer. When we last surveyed readers/subscribers on their auto insurers, we found that all rated companies did well, but some were better than others with dealing with claims, payments, and non-claim problems. See our full Ratings of car insurers.

  3. Maintain good credit. Regularly check your credit score since a low score may impact your premium.

  4. Set the right deductable. A higher deductible reduces your premium, but you have to pay more out of pocket in the event of an accident. If you have a good driving record and haven’t had an accident that was your fault, you may want to gamble and opt for a higher premium. The reward for this risk could be up to a 40 percent savings.

  5. Review your coverage. Check to make sure you have enough liability coverage for bodily injury and property damage. Over time, costs and risk increase, and so should your coverage. Simply put, minimal coverage gives you minimal protection.

  6. Report reduced mileage. If you’ve changed jobs, are now working at home, or have become unemployed, call your insurer. By driving less, you may qualify for a lower premium.

  7. Watch crash repairs. Check to see where your insurer sends you for repairs, as the repair shop may push you to use cheaper replacement parts, rather than original equipment from the manufacturer (OEM parts). Tests have found that some non-OEM parts can fit poorly, are more prone to rust, and don’t necessarily meet federal safety standards.

  8. Choose the right car. Vehicle damage and the cost for repair is a big part of the price of auto insurance. When looking for a new car, compare the data on collision by vehicle model. The Insurance Institute for Highway Safety (IIHS) has information and losses by vehicle model at Your car dealer should also have a booklet on relative collision insurance cost produced by the National Highway Traffic Safety Administration (NHTSA). Also, estimated insurance fees are part of the owner cost information Consumer Reports provides online for all new models.

  9. Beware of scams. Crooks can rip off drivers with staged accidents, which could result in an insurance claim against you. To avoid this unpleasant scenario, follow good driving practices and if you are in a crash, photograph the crash scene and always call police to report the incident.

  10. Take advantage of discounts. Discounts are available for drivers considered to be lower risk (older, married, and/or long safe driving record) or those who take a driver-training course. Anti-theft and certain safety equipment can also reduce your cost. Bundling insurance with auto and home is another option to consider, but check out the total costs with and without combining policies to see which scenario is cheaper.

Get A Car Insurance Quote Here

For an affordable car insurance quote contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to connect with us online. 

Paying too much for car insurance? Click here!
Common Car Insurance Questions And Answers

Common Car Insurance Questions And Answers

It doesn’t matter if you have an existing car insurance policy, or if you’re are planning on getting car insurance for the first time, there are always common car insurance questions that need to be answered.

To save you the time and hassle of searching for answers to your car insurance questions online we’ve compiled a list of the most common car insurance questions and answers.

I’m Going to _______. Is It Covered?

Pull a parade float. As long as you are doing it as a volunteer and are not being paid, insurance will typically offer protection. In the event that something occurs, make sure you know how your insurance may help protect you. Read more >

Rent a car. A personal auto insurance policy typically extends to a rental car as long as you’re in the United States. If you pay for a rental car with certain credit cards, you may find they offer free insurance, according to the Insurance Information Institute (III). However, it’s important to review your insurance coverage to make sure you have the appropriate coverages in place before saying no to that extra insurance offered by the rental company. Read more >

Rent a car abroad. Typically, your own auto insurance will not cover you abroad. Every country has its own requirements. Before traveling you may want to contact your destination’s U.S. embassy to learn of any rental car insurance requirements. Read more >

Rent a moving truck. Some auto insurance policies may help cover a moving truck, but there may be certain exclusions depending on the truck size, according to the National Association of Insurance Commissioners (NAIC). Be sure to speak to your agent to know what size trucks are covered under your insurance policy. Read more >

Drive for a ride-sharing company. The NAIC explains that personal auto insurance may not cover you if you use your car for business purposes. There may be gaps in what your personal car insurance covers and what the ride-sharing company’s insurance covers. Some personal auto insurers do offer optional coverage, however, to help fill those gaps. Read more >

Does Car Insurance Cover …

Hail damage? Typically, the answer is yes, if you have comprehensive coverage. Comprehensive coverage may help pay to repair dents in your car, broken windshields and even interior water damage caused by hail. Read more >

Pothole damage? Generally, collision coverage may help pay for damage to your vehicle caused by hitting a pothole, but car insurance policies typically do not cover normal wear and tear to tires due to potholes. Read more >

Windshield damage? Your insurance may be able to help if you have comprehensive or full glass coverage. These coverages may help pay for the costs of repairing or replacing your windshield. Read more >

Tree damage? If you have comprehensive coverage, insurance may help pay to repair or replace your vehicle, as long the damage doesn’t exceed your car’s worth. Read more >

Hitting a deer? Typically, damage to your vehicle after hitting a deer is considered a covered loss under comprehensive coverage. Read more >

Squirrel damage? If a squirrel chews on your car’s wiring, comprehensive coverage may help pay for repairs. Read more >

A hit-and-run? Auto insurance may help protect you if you’ve been hurt or your car has been damaged in a hit-and-run. Collision coverage may help pay for car repairs after a hit-and-run. Uninsured and underinsured motorist coverage and medical payments coverage may help cover your medical bills after a hit-and-run. Read more >

Catalytic converter theft? Typically, comprehensive coverage may help cover the theft of car parts. Read more >

A stolen car? Comprehensive coverage typically helps cover losses such as theft. In the event your car is stolen, call the police and file a report, notify your insurance company after you’ve filed the report and if your car is leased or financed you should notify the lender. Read more >

A friend wrecking my car? If your friend was involved in a wreck while driving your car, typically your insurance policy (not his) would likely be tapped to pay for damage or injury costs resulting from the accident. However, the way this plays out depends on the specific coverages and limits of your insurance policy. Read more >

Keep in mind that the coverage you may receive will depend on the type of auto policy you have. In the event of an accident, note that you may be required to pay a deductible in order for your coverage to fully kick in.

If you’re unsure what your car insurance policy covers, or what types of protection you may need, talk to your local agent. That way you can be prepared for future plans as well as accidents or damage.

Get Car Insurance Here

For affordable car insurance contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to connect with us online. 



Allstate Insurance Co. logo. (PRNewsFoto/Allstate Insurance Co.)
Are You Over Paying For Bend Oregon Car Insurance?

Are You Over Paying For Bend Oregon Car Insurance?


By The Farnsworth Agency

BEND, Ore. – Did you recently get your Bend Oregon Car Insurance Bill and were shocked to find out what you were paying? You’re not alone. If you’re tired of overpaying for car insurance this article will provide you with tips you can use for saving money on car insurance.

Tip #1 – Search For A New Bend Oregon Car Insurance Policy

In 2017 there’s no reason for anyone to stay with their old car insurance agent, or policy, especially if their car insurance is costing them more money each month than what they could be paying with another Bend Oregon Car Insurance company.

To get started with searching for a new car insurance policy simply open up a new browser window now and type in Bend Oregon Car Insurance to begin your search.

Tip #2 – Find Out If You Still Need To Pay For Full Coverage

Another handy way to save money on Bend Oregon Car Insurance is to stop paying for full coverage auto insurance if you don’t really need it or have to pay for it.

Many people continue paying for full coverage auto insurance long after they lease a or buy a vehicle and changing the amount of coverage you have can save you hundreds of dollars per year.

Tip #3 – Ask For A Bundle Discount

Last of all, but most important, another great way to save money and stop overpaying for Bend Oregon Car Insurance is to ask for a bundle discount because many insurance companies will offer you a discount for bundling all of your insurance policies with their company.

Get Bend Oregon Car Insurance

For an affordable Bend Oregon Car Insurance quote contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here.

What are the different types of auto insurance?

What are the different types of auto insurance?

Have you been searching for information on what are the different types of auto insurance? If so, you’ve come to the right place!

Types Of Auto Insurance

  • Liability Coverage. There are two types of liability coverage – coverage for Bodily Injury and coverage for Personal Property. …

  • Collision Coverage. …

  • Comprehensive Coverage. …

  • Uninsured/Underinsured Motorist Coverage. …

  • Medical Payments. …

  • Personal Injury Protection (PIP)

Get Central Oregon Car Insurance Here!

For professional and affordable Central Oregon Car Insurance contact the Farnsworth Agency today by calling us at (541) 318-8835 or CLICK HERE to connect with us online. 

Car Insurance Terms Explained

Car Insurance Terms Explained

Planning on buying car insurance but you’re not sure about all of the terms that accompany a car insurance policy? You’re not alone! Thankfully, in this article we will break down some of the most common car insurance terms that you might find when purchasing a new car insurance policy or researching car insurance online.

Car Insurance Terms Explained

  • Collision: If you’re in an automobile accident, regardless of who is at fault, collision insurance provides protection to replace or repair your vehicle, subject to a deductible.

  • Comprehensive: In the event of hail damage or a tree limb falling on your car (risks not involving an automobile collision), this coverage insures you. Comprehensive coverage pays to repair your vehicle, subject to a separate deductible.

  • Personal injury protection: This type of insurance coverage is for medical and other expenses resulting from an automobile accident for the people specified in the policy, regardless of who is at fault in the accident.

  • Medical payments: This feature provides a limited amount of coverage for you and your passengers’ medical expenses as a result of an accident. The coverage pays regardless of who is at fault.

  • Bodily injury and property damage liability coverage: The insurer agrees to pay damages if you injure someone or his property in an auto accident.

  • Uninsured and underinsured motorists liability coverage: If you’re in an accident with another driver who doesn’t carry any or enough liability coverage, uninsured or underinsured motorists liability coverage allows you to collect damages that you personally experience from the accident.

Get Car Insurance Here

For affordable Central Oregon Car Insurance contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to connect with us online.


What Can Raise Your Central Oregon Car Insurance Premium?

What Can Raise Your Central Oregon Car Insurance Premium?

There is no denying that Central Oregon car insurance is something that every driver must have if they want to drive legally on the roads of Bend, Prineville, Redmond, Sunriver and elsewhere in Central Oregon but, the reality is that car insurance can become a pain to pay every single month if your rates go up.

If you’ve recently experienced a rate increase, or you’re curious about what factors could cause your car insurance premium to go up, this article will cover three things that can cause your Central Oregon car insurance premium to increase.

Filing a Second Claim within One Year

Nobody likes the idea of getting into an accident and filing a claim but, thanks to the National Association of Insurance commissioners (NAIC) we know that the cost of filing a second car insurance claim within one year can increase your premium by as much as 44.1% and this increase would an additional $300 per year to your car insurance premium.

Falling Credit Score

Can your credit score affect what you pay for Central Oregon car insurance? The answer is yes, unless you live out of state in California, Massachusetts for Hawaii where their state laws forbid insurance companies from using credit scores when calculating the car insurance premium that a driver will pay so it’s best to keep an eye on your credit score if you plan on changing car insurance policies this year.

Where You Live In Central Oregon

Last of all, but most important, thanks to recent data from  we know that another thing that does factor in how much you pay for your car insurance premium is where you live.

Yes, it’s true that drivers who live in some rural areas will pay less money for car insurance vs. drivers that live in the city because some cities will have higher crime/accident rates and your Central Oregon Car Insurance premium may reflect a rate increase if you decide to move to a different area in the near future.  

Learn More

To learn more what could cause your central Oregon car insurance premium to increase, or for an affordable insurance quote, contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to connect with us online.

What does full coverage car insurance actually cover?

What does full coverage car insurance actually cover?

full coverage car insurance

Have you been thinking about investing in full coverage car insurance? If so, before starting this type of car insurance policy it’s best to know exactly type of coverage you’re actually getting with full coverage car insurance.

what is “full coverage”?

“Full coverage” isn’t a coverage in itself. It’s a phrase generally used to designate a number of coverages that provide a good amount of protection: specifically liability, comprehensive, and collision coverages.

Liability helps pay for damage you cause in an at-fault accident, while comprehensive and collision can help repair damage to your car (or replace it altogether).

It’s a robust package of protection, yes — but it might not provide all the protection you need. And that’s why “full coverage” can be misleading.

what “full coverage” doesn’t include

Car insurance companies offer a bunch of coverage types that fall outside the domain of “full coverage,” and many are worth considering.

Let’s take a quick look at a handful of coverages that tend to fall outside of “full coverage”:

  • Medical payments coverage — This coverage can help pay post-accident medical expenses for you and your passengers regardless of fault, and it can also step in if you exceed your health insurance limits.
  • Uninsured/underinsured motorist coverage (UM/UIM) — UM/UIM coverage helps pay for bills that the other driver’s policy should have taken care of, but can’t because of that driver’s low coverage limits or lack of coverage altogether.
  • Emergency road service coverage (aka roadside assistance or towing and labor) — A handy coverage to have if you’re not a whiz with a jack and a wrench or just need to get a wrecked car to the shop.
  • Customized parts and equipment coverage — If you’re the kind of driver who likes a custom sound system and chrome rims, “full coverage” won’t help you replace or repair them after an accident — but this coverage can.
  • Rental car coverage — This can reimburse your rental car expenses after a covered accident.
  • Gap coverage (aka auto loan/lease coverage) — If you’ve financed your car, gap coverage exists to help you pay off your auto loan if your car’s totaled when you still owe more than it’s worth.

“full coverage” is really more like “very good coverage”

Though full coverage provides a good amount of protection in terms of liability and the well-being of your car, it doesn’t mean that you won’t have to pay anything out of pocket after an accident.

If you opt for a “full coverage” policy, you’ll be covered up to the limits you select. If damage exceeds your liability limits, you could be legally liable for the difference (a good argument for higher limits).

Keep in mind, too, that any time your comprehensive or collision coverage kicks in, you’ll also need to pay the deductible.

you may need more than “full coverage”

If you’re in the market for a new car insurance policy and you’re looking for maximum protection, consider all of your coverage options above and beyond what “full coverage” typically includes.

The general rule of thumb: buy as much coverage as you can comfortably afford.

Get Car Insurance Here

For affordable car insurance contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to connect with us online.


Need car insurance? Click here for a quote or call (541) 318-8835.

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