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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. 

 

 

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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. 

How to Change Your Central Oregon Car Insurance Policy In 2015

How to Change Your Central Oregon Car Insurance Policy In 2015

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By Tye Farnsworth

2015 is officially here and with the start of a New Year many people will start thinking about changing their Central Oregon Car Insurance policies because they want to save money on car insurance.

If you’ve been thinking about getting new car insurance here’s how you can save money on your policy while choosing a Central Oregon Car Insurance company you will really love.

Where To Look For Central Oregon Car Insurance

Thanks to the Internet you can easily search for Central Oregon Car Insurance online from the comfort of your home.


 

Before choosing a car insurance company you found online make sure you research them online first and search for feedback from their clients.

You should also confirm that your car insurance policy will allow you to travel out of state as well too since many policies are only good for the state you live in.

Meet With Your Insurance Agent Personally

If your Central Oregon Car Insurance agent is based locally in Bend, Redmond, Prineville or Sunriver why not meet with them personally to talk about your car insurance needs?

When you meet with your insurance agent make sure they are someone you feel comfortable with because if you don’t feel comfortable with them in their office how will you feel comfortable doing business with them?

Ask For Discounts

Last of all, but most important, don’t hesitate to ask your Central Oregon Car Insurance agent for discounts including:

  • Good student.
  • Safe Driver.
  • Bundle discount.

Car insurance discounts can literally save you thousands of dollars over the lifetime of your car insurance policy.

2015 is going to be another great year, why not change car insurance policies and save hundreds of dollars in car insurance payments this year?

To learn more about how much money you can save on car insurance contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to contact us through our website.

Looking For A Way To Cut A Central Oregon Car Insurance Bill?

Looking For A Way To Cut A Central Oregon Car Insurance Bill?

Saving money on Central Oregon Car Insurance is easy.

Saving Money on Car Insurance Is Easy If You Do This

By Tye Farnsworth

If you’re looking for an easy way to cut a Central Oregon Car Insurance Bill saving money is easier than you think if you follow these simple tips.

Tip 1 – Raise Your Deductible

Your car insurance deductible is the amount of money you will pay before your car insurance coverage will kick in.

The deductible is an important part of your Central Oregon Car Insurance because it’s the part of your car insurance coverage which will go to paying for repairs to the other driver’s vehicle if you are found to be at fault in an automobile accident.

Thanks to a recent report from the website www.insurancequotes.com we know that drivers in the state of Ohio lowered their car insurance bills by more than 10% just by raising their deductibles up to $1,000.

Tip 2 – Bundle Your Insurance Policies

Another classic way to save money on your insurance premiums is to bundle all of your insurance policies with one company because, many companies will offer you a special “bundle” rate and it’s also more convenient to have all of your policies with one company too.

Tip 3 – Pay Your Central Oregon Car Insurance Annually Instead Of Monthly

Yes, paying monthly for Central Oregon Car Insurance may seem to be convenient but did you know that you’re actually paying more for car insurance than you would if you were to pay for your policy on an annual basis?

You can save yourself at least $100 per year by paying for your car insurance annually and also enjoy the convenience of knowing that your car insurance is paid up for the year so you never have to risk it lapsing.


 

Contact us

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To learn more tips on how you can save money your Central Oregon Car Insurance or to get an affordable car insurance quote contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to contact us online.

Central Oregon Car Insurance Questions and Answers

Central Oregon Car Insurance Questions and Answers

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What are the differences between comprehensive coverage and collision coverage?

As long time Central Oregon Car Insurance agents we get asked this question a lot and here’s the answer:

Collision coverage will protect you in a car accident if your vehicle collides with another vehicle.

Comprehensive coverage is one of the most important parts of car insurance because, it not only protects you if your vehicle is damaged by the collision but it will also protect you if your vehicle is damaged by an act of nature, stolen or the belongings in your car or truck are stolen.

Central Oregon Car Insurance Deductibles

Most drivers often will ask us “how do car insurance deductibles work?” and this is another common car insurance question because, deductibles can many times seem confusing especially if you’ve never been in a car accident.

A Central Oregon Car Insurance Deductible is the amount of money you have to pay before your car insurance company will cover the cost of the damages that your vehicle sustained from the accident.

Understanding Car Insurance Limits

Last of all, but most important, most drivers who have Central Oregon Car Insurance in this area also want to know more about limits.

A limit is the total amount of money that your car insurance company will pay when you experience a loss in a car accident.

For example: Let’s say you get into a car accident and you are found liable.

The judge rules that you must compensate the victim $60,000 for their pain and suffering, well if you have bodily injury coverage your limit will most likely be $50,000.

This means your car insurance company will pay $50,000 and you will be responsible for paying the remaining $10,000 to the victim of the car accident.

Learn More

To get your Central Oregon Car Insurance questions answered personally contact me, Tye Farnsworth, owner of the Farnsworth Agency by calling me at (541) 318-8835 or click here.

What’s The Real Reason You Are Paying More for Central Oregon Car Insurance?

What’s The Real Reason You Are Paying More for Central Oregon Car Insurance?

The Real Reason Your Car Insurance Is Expensive Might Shock You. You Might Want To Sit Down….

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By Ty Farnsworth

Many drivers are overpaying for their Central Oregon Car Insurance and there’s not much they can do about it.

Thanks to a recent report by wallethub.com we known that the average car insurance company in Central Oregon and across the United States is charging more for Central Oregon Car Insurance because of a drivers credit score.

65% Variation In Premium Cost?

The wallethub.com statistics show us that drivers with no credit to poor credit are paying up to 65% more for their car insurance compared to drivers who don’t have any car insurance at all.

Is Your Credit Score A Factor?

What’s even more shocking is that some car insurance agencies were found to charge up to 116% more for their car insurance premiums because a driver had poor to no credit.

This is even more of a reason for drivers to shop around for car insurance instead of signing up with the first company that offers them a rate quote.

Credit Score Trend Declining In Some States

In today’s world it’s not uncommon for some people to have bad credit and states like Hawaii, California and Massachusetts have passed laws that prohibit car insurance companies from giving potential customers rate quotes where their credit score was a major factor in the quote.

Location Matters When It Comes To Car Insurance

Another alarming trend that the wallethub.com survey spotlights is the importance of location when it comes to insurance premiums.

Across the United States the premium that you pay does vary based on where you live. For example: drivers in Washington, D.C. are paying as much as 126% more for their car insurance premiums and the same example can be found in other cities across the United States like Detroit where car insurance is almost unaffordable.

To learn about the latest Central Oregon Car Insurance news or to get an affordable car insurance quote contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to start your click online.

Most Americans Clueless About Answers to Basic Car Insurance Questions

Most Americans Clueless About Answers to Basic Car Insurance Questions

central oregon car insurance

If a friend borrows your vehicle and gets into a car accident do you know who is responsible?

Are you liable to pay any damages that are the result of that car accident or will your friends car insurance cover any costs associated with it?

The answer to these question is that any damages resulting from the car accident will go on your own insurance record regardless if you thought it would be your friend’s responsibility to have their car insurance pay for any financial damages resulting from the accident.

Most Americans Don’t Really Know Car Insurance

Millions of Americans across United States would not have known the real answer to this question either, thanks to a recent survey on insurance.com, we know that 30% of Americans answered this question incorrectly and felt that it would be the responsibility of their friend’s car insurance to cover the costs resulting from the car accident and not their car insurance

Hard To Find Answers?

One of the biggest reasons why most people have no clue about basic answers to car insurance questions is that they are unable to get the answers to these types of questions quickly because most car insurance companies rely upon websites and virtual services to answer questions instead of having human interaction.

Thankfully, more companies like Allstate for example, are setting a new trend once again by creating insurance offices across United States that are staffed by human personnel and not just computers so that local residents in cities like bend or other major towns across the United States can come in during normal business hours each week to get their insurance questions answered, pay bills or deal with any insurance related business that they might be currently experiencing.

If you have insurance question or if you like insurance quote contact the Farnsworth Agency today by calling us at 541-318-8835 or click here to start your quote online.

New Insurancequotes.com Study Confirms Married Couples Pay Less Money For Car Insurance

New Insurancequotes.com Study Confirms Married Couples Pay Less Money For Car Insurance

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Thanks to a recent study by insurancequotes.com we know that single people in their 20’s pay as much as 22 percent or more for car insurance than couples who are married.

Anyone who has Central Oregon Car Insurance is aware that they may be paying more for their car insurance if they are single versus their married counterparts but what about other age groups?

Drivers in Their 30’s

Yes, it’s true that drivers in their 30’s pay less for car insurance that drivers in their 20’s do because, of one word: risk.

Car insurance companies have historically charged drivers in their 30’s lower car insurance premiums than drivers in their 20’s because, they feel that drivers who are approaching “mid-life” have their priorities in order and will be less of a risk on the roads.

Your car insurance premiums will also get lower if you’re married in your 30’s, but if you’re unmarried you can still expect to pay less money for car insurance than you did when you were in your 20’s.

Drivers in Their 60’s

Did you know that drivers who are age 60 pay the lowest car insurance premiums in the United States?

What’s interesting about this statistic is that even though a driver can expect a low car insurance premium at age 60 they can also expect their car insurance premium to go up once they pass age 60 because, most car insurance companies will equate advanced age with more risk behind the wheel.

What You Can Do To Lower Your Car Insurance Premium

It doesn’t matter if you’re age 20, 35 or 60; you can pay low car insurance premiums by doing the following:

Maintain good credit – Having good credit is necessary when it comes to getting an insurance quote because, car insurance companies equate bad credit with risk behind the wheel.

Bundle – You can save hundreds per year in car insurance premiums simply by bundling your other insurance premiums with the same company.

Drive less – Although it might not be convenient you can save a lot of money in car insurance premiums simply by car-pooling more to work and this tip will also save you money on car repairs each year as well.

For all of your insurance needs contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to contact us online.

Which Drivers Pay More For Car Insurance?

Which Drivers Pay More For Car Insurance?

central oregon car insurance

Did you know that if you’re a single, 20 year old man, you’re more than likely paying a car insurance premium that’s 49 percent higher than a 25 year old man who has Central Oregon Car Insurance?

We know this thanks to a recent study of insurance quotes from across the United States and the same study also found that the same 20 year old man will pay at least 23 percent more for their car insurance policy than a 20 year old single woman.

Why Car Insurance Premiums Are So High

It’s not uncommon for men in their early 20’s to pay higher car insurance premiums than other drivers.

Sadly young male drivers typically lack driving experience and car insurance companies know this but once men in their early 20’s begin to get real life driving experience under their “belts” their car insurance premiums will start to drop.

Easy Ways to Lower Car Insurance Premiums

If you’re a male driver in Central Oregon under the age of 25 you can lower your car insurance premiums simply by doing the following:

  • Take a safe driving course
  • Get good grades if you’re going to college
  • Maintain good credit
  • Ask for discounts like: safe driver, good student etc.
  • Bundle your car insurance policy with your other insurance policies.
  • Live at home until you graduate college
  • Park your vehicle inside at night.

Although some of these tips might not be easy for the average male driver under the age of 25 in Central Oregon most of them are very simple and can easily save a driver hundreds of dollars per year off their car insurance premium.

To learn more about how much money you can be saving on your car insurance policy contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to start an insurance quote online. 

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Should You Lie To Save Money On Central Oregon Car Insurance?

Should You Lie To Save Money On Central Oregon Car Insurance?

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Bend Oregon – One of the biggest mistakes that you can make when signing up for a new Central Oregon Car Insurance Policy is to lie or supply false information to your car insurance company.

Sadly it looks like more people are lying when signing up for new car insurance policies than ever before and we know this thanks to new data from Carinsurance.com.

Who Is More Likely To Lie

Carinsurance.com reported that men are more likely to lie when signing up for a new car insurance policy vs. women at a rate of 42 percent versus 27 percent.

It gets even worse for drivers under the age of 30 because, the same survey found that that drivers are likely to lie on their Central Oregon Car Insurance paperwork when reporting annual mileage, where they park their vehicle at night, who drives the vehicle, number of speeding tickets and marital status.

Consequences of Lying To Save Money on Car Insurance

Central Oregon Car Insurance is something that everyone needs but sadly some drivers will lie in order to save money on car insurance.

If you’re caught lying on your car insurance policy you face the possibility of losing your car insurance policy, getting sued, losing your home and worse that’s why it’s always wise to tell the truth when applying for a car insurance policy and using the right tools to save money on car insurance.

Save Money on Car Insurance Following These Easy Steps

  • Ask for discounts like good student and safe driver
  • Park inside a parking garage or actual garage at night
  • Move to a safer neighborhood
  • Drive fewer miles per year
  • Drive safely at all times and stay accident free

For more tips on how to save money on car insurance, or to get an affordable Central Oregon Car Insurance quote, contact the Farnsworth Agency today by calling us at (543) 318-8835.

 

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