Browsed by
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 http://www.centraloregoninsurance.com
Sunriver Car Insurance

Sunriver Car Insurance

Need Sunriver Car Insurance? If so, contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to connect with us online.

About Sunriver Car Insurance

Car insurance is something that everyone should have if they want to drive legally in Central Oregon, thankfully Sunriver Car Insurance is a lot more affordable than you think and in many cases, we can help get you better car insurance coverage than you may have right now with your current insurance provider.

Besides specializing in Sunriver Car Insurance, you can also count on us to provide you with affordable life insurance and homeowners insurance so you can have all of your insurance needs totally covered regardless of your age or occupation.

Do You Have Enough Sunriver Car Insurance?

Are you driving with enough Sunriver Car Insurance? If not, now is the perfect time for an insurance audit because there’s nothing worse to get into an automobile accident only to realize that you were under-insured.

Unlike other insurance companies in Oregon, our Sunriver Car Insurance policy is good anywhere in the United States so you can be driving in Oregon, California, or elsewhere nationwide and have confidence that you will remain fully insured regardless of where you are.

How to Save Money on Sunriver Car Insurance

Sadly, many people will drive without Sunriver Car Insurance because they think it’s too expensive or un-affordable. Thankfully we can help you save money on car insurance by offering you these tips.

Tip #1 – Ask for a bundle discount if you combine your car insurance, homeowners and other insurance premiums with our company.

Tip #2 – Ask for a good student discount – This discount is offered to students in high school or college who maintain a high GPA because this proves that they are responsible drivers who can be trusted behind the wheel.

Tip #3 – Take a defensive driving course with the DMV. This discount is especially important for senior drivers, over the age of 55 because older drivers typically pay more money for car insurance than younger drivers.

Get Sunriver Car Insurance

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

Most frequently asked car insurance questions

Most frequently asked car insurance questions

Got a car insurance question? If so, you’ve come to the right place! Car insurance can be complicated if you have questions, thankfully we have plenty of answers for you thanks to the following 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 >

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. 

Redmond Oregon Car Insurance

Redmond Oregon Car Insurance

Searching for Redmond Oregon Car Insurance? If so, contact the Farnsworth Agency today for a free quote by calling us at (541) 318-8835 or click here to connect with us online.

We specialize in affordable Central Oregon Car Insurance and can help you save hundreds of dollars per year off your car insurance costs and provide you with better car insurance coverage than what you may have with your current policy.

Why Do Most People Overpay For Car Insurance?

Many drivers stay with the same Redmond Oregon Car Insurance company for years because their friend, family member or relative is their insurance agent when they can easily be saving hundreds of dollars per year on car insurance simply by switching their insurance policies.

We Offer Car Insurance That You Can Actually Afford

With our Central Oregon Car Insurance company we will provide you with car insurance that you can actually afford and count on, knowing that regardless if you need to use your car insurance in Oregon, or elsewhere in the United States, it will be available for you when you need it.

Redmond Oregon Car Insurance

Your Resource For Homeowners And Affordable Life Insurance Too!

Besides car insurance, we can also save you money on your life insurance, or homeowners insurance policies as well so when you call us for a quote don’t hesitate to also ask us for a bundle discount when you combine all of your insurance policies with our company.

Get An Affordable Redmond Oregon Car Insurance Quote Today

Stop overpaying for Redmond Oregon Car Insurance, contact the Farnsworth Agency today by CLICKING HERE or call us at (541) 318-8835 to start your quote online.

 

Prineville Oregon Car Insurance

Prineville Oregon Car Insurance

Need Prineville Oregon Car Insurance? If so, contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to connect with us online.

About Prineville Oregon Car Insurance

Car insurance is something that everyone should have if they want to drive legally in Central Oregon, thankfully Prineville Oregon Car Insurance is a lot more affordable than you think and in many cases, we can help get you better car insurance coverage than you may have right now with your current insurance provider.

Besides specializing in Prineville Oregon Car Insurance, you can also count on us to provide you with affordable life insurance and homeowners insurance so you can have all of your insurance needs totally covered regardless of your age or occupation.

Prineville Oregon Car Insurance

Do You Have Enough Prineville Oregon Car Insurance?

Are you driving with enough Prineville Oregon Car Insurance? If not, now is the perfect time for an insurance audit because there’s nothing worse to get into an automobile accident only to realize that you were underinsured.

Unlike other insurance companies in Oregon, our Prineville Oregon Car Insurance policy is good anywhere in the United States so you can be driving in Oregon, California, or elsewhere nationwide and have confidence that you will remain fully insured regardless of where you are.

How to Save Money on Prineville Oregon Car Insurance

Sadly, many people will drive without Prineville Oregon Car Insurance because they think it’s too expensive or unaffordable. Thankfully we can help you save money on car insurance by offering you these tips.

Tip #1 – Ask for a bundle discount if you combine your car insurance, homeowners and other insurance premiums with our company.

Tip #2 – Ask for a good student discount – This discount is offered to students in high school or college who maintain a high GPA because this proves that they are responsible drivers who can be trusted behind the wheel.

Tip #3 – Take a defensive driving course with the DMV. This discount is especially important for senior drivers, over the age of 55 because older drivers typically pay more money for car insurance than younger drivers.

Get Prineville Oregon Car Insurance

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

What Does Central Oregon Car Insurance Actually Cover?

What Does Central Oregon Car Insurance Actually Cover?

If you’re like most drivers who have car insurance you also want to know what your Central Oregon Car Insurance actually covers because in the event of a car accident or injury you want to know how your car insurance protects you when you need to use it.

In this article, we will provide you with a breakdown of what your Central Oregon Car Insurance covers so you can be better prepared for the next time you get behind the wheel.

What Central Oregon Car Insurance Covers

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. 

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. 

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. 

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. 

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

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

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. 

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

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. 

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. 

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.

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 connect with us online.

Should I Cancel My Car Insurance or Adjust My Policy?

Should I Cancel My Car Insurance or Adjust My Policy?

Before you pick up the phone to cancel your auto insurance policy, take a minute to make sure that cancellation is the right decision.

A gap in your car insurance, even if it’s only for a few days, may cause problems for you down the road.That’s because periods with no auto insurance could flag you as a higher risk and you may pay higher premiums in the future.

So, when is it OK to completely cancel — or not renew — your policy? And, what are some other situations when it might make sense to simply adjust your coverage? Here are four common situations that may affect your insurance:

Selling Your Car … And Not Replacing It

Maybe you’re moving to an urban area and planning to rely solely on public transportation. Or maybe you’re simply reducing the number of family vehicles. Either way, if you’re getting rid of a vehicle for good, it makes sense to cancel its insurance policy.

Keep in mind that stopping payments may not result in your policy being canceled. You’ll likely need to contact your insurer directly for that.

Jeanne Salvatore of the Insurance Information Institute recommends talking with your insurance agent to determine whether and when you’re owed a refund if you should cancel the policy before the policy it expires.

If you aren’t going to be driving your classic car, you may be tempted to cancel the policy. Even though the car isn’t on the road, it could still be exposed to dangers, however, such as theft, falling objects or hail. Salvatore says you should strongly consider keeping comprehensive coverage to help protect your baby against unexpected mishaps.

“If you plan on only occasionally in a parade, ask your agent about a policy that allows for occasional driving,” says Salvatore. Ask your agent about an “exhibition auto” policy if you’re only taking your classic car to shows and parades. Take note, however, that classic vehicles kept for racing likely are not covered under this type of policy.

Your Teen Is Heading to College

If your child will no longer be regularly driving the family vehicle: When he moves off to college, talk to your agent about potentially adjusting the family policy. If his school is 100 or more miles away from where you keep the family vehicle, you might be able to get a discount on your policy, since he will be driving it less frequently.

If your child is leaving his own car at home: If he has a car with a title in his own name but plans on keeping the vehicle at home, he’ll likely need to keep his insurance policy in place. When he comes home to visit and drives his car, liability coverage is required. Additionally, comprehensive coverage may be required by the lender if he’s still paying off the vehicle.

Your Car is Paid Off

Now that the title is in your name, you might be considering downgrading modifying your car insurance coverage.

Some coverages — like comprehensive and collision — may not be required after your car is paid off. (Drivers in most states are legally required to carry liability coverage.)

While liability can help pay for damages you cause to someone else, comprehensive and collision can help pay for damages to your own car. So, if you’re thinking about dropping coverage, Salvatore cautions against a liability-only policy.

“If you only have liability, then you aren’t covered if (your car) is stolen or hit,” she says. She recommends keeping collision and comprehensive coverage even after the final payment has been sent.

If you’re thinking about canceling your car insurance, give your agent a call first. By taking the time to talk over your situation and your options, you can be better informed to make the right decision for today and in the future.

Get Central Oregon Car Insurance

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. 

Car Insurance Cancelled vs. Non-renewal

Car Insurance Cancelled vs. Non-renewal

If your insurance company doesn’t want to insure you any longer, there are two different ways they can legally go about extricating themselves from the policy. Cancellation is the most extreme of the two. In the first few months of a policy, insurance companies can cancel the policy for any reason, although this is uncommon.

The most common reasons an insurance carrier will cancel a policy include:

  • Late payment
  • The loss of your license (because of a DUI or other offense)
  • Or a determination that you provided inaccurate personal information when the policy was created

Cancellation

However, because cancellation is a strike against your insurance record, it’s important to do everything you can to avoid it. Making payments on time is crucial, as is avoiding driving under the influence and being as forthright as possible when providing information to prospective insurers. It might be tempting to lie about recent traffic offenses or tickets, but in the long run, this will harm the health of your credit and driving record.

When your insurer cancels your policy, it stays on your insurance record for five years. However, if a driver accumulates three cancellations in one year, it will be almost impossible to find another carrier willing to take you on as you are now a “high-risk” insured. You’d have to go to a high-risk carrier and pay up to five times the normal car insurance rates you once paid at a standard insurance carrier.

Non-renewal

Non-renewal is a different story, and doesn’t carry the severe consequences that cancellation does. When your car insurance policy has run its course, your insurer may decide that they no longer want to insure you. Generally, an insurer will issue a non-renewal notice if:

  • You have filed multiple claims in a short period of time
  • Your credit rating has declined sharply, and your current insurer sees you as a liability
  • The carrier is restructuring its insurance lines of business or pulling out of a certain line and is discontinuing your policy through no fault of your own

While you searching for a new policy, it’s not nearly as difficult to bounce back from a non-renewal as it’s a cancellation.

When it comes to non-renewals and cancellations, many states have different laws on how and when an insurance company can non-renew you or cancel your insurance policy. There are protections in place, so insurance companies do not just leave insureds high and dry. Below is an example of the different ranges of non-renewal and cancellation required notice period.

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 connect with us online. 

what happens if my car insurance is cancelled due to nonpayment?

what happens if my car insurance is cancelled due to nonpayment?

What happens if you are late making auto insurance payment? While the rules vary from state to state and by provider, it is safe to say that paying your insurance premium on time should be a priority.

This page will go over what common consequences for nonpayment of premium.

Car Insurance Payments: How Late Is Too Late?

While there are many car insurance companies who won’t cancel your policy after one or two days, most often they will have the right to. You may get a notice that tells you your payment is late and will be canceled on a specific date if payment is not received.

If your auto insurance provider does elect to cancel your policy right away – for example due to a history of late payments – don’t count on them reinstating the policy once the premium is received. You may find yourself looking for a new car insurance company.

You may also face higher premiums in the future, as insurance companies base your rates on perceived responsibility and risk. Making late payments signals to your car insurance provider that you present increased risk to the company.

What About Grace Periods?

Whether to offer a grace period is up to the provider, but in most states, car insurance companies are under no obligation to extend extra time for payment of the premium.

If you are afforded a grace period, you will likely pay for it in late fees, effectively raising the overall cost of your policy. It is better to assume there is no grace period and pay by the due date.

Get Central Oregon Car Insurance

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.

Why Is Gap Car Insurance Important?

Why Is Gap Car Insurance Important?

If you have taken out an auto loan or lease before, you may have been recommended gap insurance. Gap insurance, or gap coverage as it is called sometimes, is essentially a debt termination agreement you purchase to cover the cost of totaling a loaned or leased car. Sometimes accidents happen, and sometimes they are particularly bad. If you total a car, there is no way to repair it, and if you have collision insurance on your policy your insurance company reimburses you for the cost of the car. The amount you are reimbursed however is the value of the car at the time of the accident. When you lease or loan, you are paying for the value of the car when you first get it. It is highly likely your car would have depreciated, or lost value, significantly by the time you total it. The difference between the value of the car when you bought it, and the value at the crash is the ‘gap’, and gap insurance pays for it.

Should You Get Gap Insurance?

Not everyone needs or should have gap insurance. If you completely own the car you drive, there is no need for gap insurance. Only those who finance or lease their car should have gap insurance, and even amongst those drivers, only a certain few should buy gap insurance. Gap insurance is meant for drivers who take out a loan that is close to the value of the entire car, take out a long loan/lease, do not put any down payment and/or your car is worth a lot of money. If one or more of those conditions apply to you, you should strongly consider gap insurance. The reason being, all of those profiles make it likely for a driver to be ‘upside down’ on their car payments.

To be ‘upside down’ on a car payment means you currently owe more than what the car is actually worth. That may seem counterintuitive, after all, how can a loan or lease become worth more than the car? The answer is depreciation. New cars can lose as much as 30% of their value in the first year. If you have a five year loan on the other hand, you likely would have only paid off less than 20% of it within a year. Simply, your car loses value faster than you can pay back your lease or loan. As time goes on that gap widens. Drivers with a large loan close to the value of car make it more likely to be upside down. As well, if you take a long loan, your monthly payments tend to be smaller, meaning you are paying back your loan slower. 

Learn More About Gap Car Insurance Here

Get Gap Car Insurance!

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

 

Rental car insurance, is it worth it?

Rental car insurance, is it worth it?

Tis the season for holiday travel, and often that means spending money on rental cars. Unexpected costs like mileage caps, and insurance can increase the price dramatically.

You might think skipping on the insurance will save you some cash. After all, you already have auto insurance for your own car and some credit cards used to book and pay for the reservation claim to provide insurance as well.

Q13 FOX asked the experts at PEMCO Insurance, is it worth it to buy rental car insurance?

“Yes, I would think its worth it to make sure and ensure you have coverage,” Craig Kehrberg, a product manager at PEMCO said. “You do have coverage through your normal insurance when you do rent a car. But, if you get into an accident there are extra claims, extra costs that a rental car company might charge that is not included in your insurance policy.”

Kehrberg said those extra costs are loss of use, diminished value and administrative fees:

  • Loss of use: rental companies can charge you a loss of use fee for everyday the rental is being repaired and unavailable to rent.
  •  Diminished value: after a wreck, a car isn’t usually worth as much as it was before. A rental company can charge you the difference.
  • And then there are those vague administrative fees.

If your personal auto insurance doesn’t cover these three things, then yes, it is worth it to buy the rental car insurance.

Click here to learn more

Get Rental Car Insurance

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

Follow

Get every new post on this blog delivered to your Inbox.

Join other followers: