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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 autoinsurance.org  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.

Central Oregon Car Insurance – Things To Do Before Driving during the winter

Central Oregon Car Insurance – Things To Do Before Driving during the winter

BEND, Ore. – Winter is still less than one month away but if you live in Bend, Prineville, Sunriver or elsewhere in Central Oregon we can have snow and winter conditions as early as November. In today’s issue of Central Oregon Car Insurance tips we will provide you with information you can use for staying safe on the roads this winter.

Tip #1 – Don’t Drive On Closed Roads

One of the best ways to save money on Central Oregon Car insurance this winter is to not drive on closed roads because, if you get into a car accident while driving on a closed road your car insurance company can say that you are guilty of “contributory negligence” so it’s best to check the weather and road conditions online before driving during the winter.

Tip #2 – Winterize Your Vehicle

Before leaving your home during the winter you should always make sure that your vehicle has a set of snow chains, snow scraper and essential emergency materials that you can use if you’re caught in a sudden snow storm like a snow jacket, blanket, flash light, water, flares and some food.

Before winter arrives you should also verify that your vehicle has the following:

  • Spare tire (in good condition), along with a tire jack and tire iron, because without them or someone else to help you, the spare tire is useless. Here’s how to change a tire, in case you need a refresher. Also, if your wheels require a special security key, make sure that’s always in your car too.

  • Tire inflator and sealer, like the Fix-a-Flat, which can plug a leak (and help you avoid using the above tools) just enough to get you to the auto shop.

  • Jumper cables, because dead batteries happen to the best of us. We’ve got a crash course on how to jump-start a car, but you should familiarize yourself with your engine just in case things are a little different. Alternatively, you can pack an emergency battery booster so you don’t have to rely on a Good Samaritan coming along.

  • Your car’s manual, which should be in the glove compartment already.

  • Tire pressure gauge: As our sister site Jalopnik points out: “checking tire pressure on a regular basis can improve handling, increase fuel economy, promote tire longevity, and even save lives.”

  • Duct tape and WD-40. Seriously, check out these 10 heroic duct tape car repairs.

  • Car repair information. A business card for your auto repair shop, the number for AAA (if you’re a member), and car insurance claim forms should also be stored in your glove compartment.

#3 – Confirm How Much Car Insurance You Actually Have

Last of all, but most important, before the first day of winter arrives on December 21st, 2016 you should also confirm how much Central Oregon Car Insurance you actually have because winter time is one of the most dangerous times of year for driving in Central Oregon since we have more accidents due to snow and ice on the roads.

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.

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Why Do Central Oregon Car Insurance Rates Fluctuate?

Why Do Central Oregon Car Insurance Rates Fluctuate?

By Tye Farnsworth

BEND, Ore. – One of the top Central Oregon Car Insurance questions that many drivers have is why do car insurance rates fluctuate?

In this article, I will answer this question and offer you some tips on how you can save money on car insurance.

Reasons Why Insurance Rates Fluctuate 

Car insurance rates are like any type of insurance policy, they can fluctuate for a wide variety of reasons including:

  • Change of address.
  • Your location.
  • Crime rate where you live.
  • State of the economy.
  • Time of the year.
  • Any recent car accidents or injuries that you might have had.

Central Oregon Car Insurance

Understanding the Car Insurance Quote versus the Rate

One of the most frustrating things for consumers, when they apply for a new Central Oregon Car Insurance policy, is when they realize that their quote they received is actually different than the rate they have to pay. This happens for a variety of reasons including missing data or information from a driver’s car insurance application like accidents that were not reported or moving violations.

Another factor that can lead to a fluctuation between the quote and the actual rate a driver has to pay to include the results from the Comprehensive Loss Underwriting Exchange (CLUE) which provides a car insurance company with a snapshot into the drivers claim and driving history. If the information the driver provided when they signed up is different than what’s reported by CLUE this could lead to a premium adjustment.

Tips for Saving Money on Car Insurance

#1 – Report accurate information when you sign up for your car insurance policy.

#2 – Drive fewer miles per year and carpool if you’re able to.

#3 – Park in a garage or safe, well-lit, area at night.

#4 – Don’t use your personal vehicle for business.

#5 – Ask for discounts like “safe driver” and “good student” when you sign up for Central Oregon Car Insurance.

Get a Central Oregon Car Insurance Quote

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.

Drive The Right Car And Lower Your Central Oregon Car Insurance Premium?

Drive The Right Car And Lower Your Central Oregon Car Insurance Premium?

Free-Car-Wallpaper-Pack

By Tye Farnsworth

BEND, Ore. – Yes, the insurance industry has known for years that you can lower your Central Oregon Car Insurance premium if you drive the right vehicle but how much can you lower your premium by each month?

Thank to a recent article by kiplinger.com we know that you can lower your car insurance premium by as much as $2,000.

Yes, the type of car you buy can make a big difference in your insurance premiums. Every insurer has its own calculations and claim figures, but a vehicle’s insurance costs are generally based on theft statistics, crash tests, the cost of replacement parts and the cost of the car.

Insure.com compared rates for 2016 models and found that the Honda Odyssey LX cost the least to insure, with an average annual premium of $1,113, followed by the Honda CR-V LX (two-wheel drive), Dodge Grand Caravan AVP and Jeep Patriot Sport (two-wheel drive). The most expensive car to insure was the Dodge Viper GT, averaging more than $4,000.

Source – kiplinger.com

More Ways To Lower Your Central Oregon Car Insurance Premium

Besides choosing the right vehicle there are a variety of ways that you can lower your Central Oregon Car Insurance premium by doing the following:

  • Bundle your insurance policies together with the same company.
  • Choose a liability only policy if you are driving an older vehicle.
  • Drive fewer miles per year if possible.
  • Purchase a car alarm for your vehicle if it doesn’t have a method of protection.
  • Park inside a garage at night or in a well-lit space.
  • Inform your insurance agency of major life changes like moving, marriage or children because these can also affect your insurance policy premium.
  • Maintain good credit because credit score does affect your insurance policy price.

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.

 

Simple Ways To Save Money On Central Oregon Car Insurance

Simple Ways To Save Money On Central Oregon Car Insurance

Farnsworth Agency - 1900 NE Division St Ste 111, Bend, OR 97701
Save mony on Central Oregon Car Insurance

It’s winter and if you’re like most people you’re thinking about all of the ways that you can save money at home, especially on Central Oregon Car Insurance.

Saving money is easier than you think! In this post we will share with you our top ways to save money on Car Insurance so you will have more money in your bank account at the end of the month in 2016.

Choose The Right Vehicle

If you’ve been thinking about trading in your existing vehicle for something new or used, the first step towards saving money on auto insurance is choosing a low profile, small or mid-size sedan, van or SUV, instead of choosing that BMW, Lexus SUV or high profile sports car that you’ve been thinking about because, going with a low profile vehicle that’s not as likely to be stolen as a higher profile vehicle can save you hundreds of dollars per year in car insurance.

Watch Your Mileage

You may not like thinking about the idea of car pooling but, did you know that if you drive under a certain mileage threshold every year this can also save you hundreds of dollars per year off your car insurance costs as well as help you to reduce the wear and tear on your vehicle?

Automatic Billing Discount

When you sign up with a new insurance company always make sure that you opt for their automatic billing option because, this simple option can save you at leas $5 or more off your monthly car insurance payment.

Choose A Higher Deductible

If you haven’t been in a car accident in years, you might want to consider choosing a higher deductible for your car insurance policy because, for example, if you choose a deductible of $1,000, you can easily save yourself 40 percent or more every month on car insurance premiums.

Get Central Oregon Car Insurance

To save money on Central Oregon Car Insurance contact the Farnsworth Agency today by clicking here or call us at (541) 318-8835.

 

Central Oregon Car Insurance Secrets Revealed

Central Oregon Car Insurance Secrets Revealed

Central Oregon Car Insurance

By Tye Farnsworth

In 2015 almost everyone wants to save money on Central Oregon Car Insurance but few people really know that there are several factors which insurers use to charge their clients more on their car insurance premiums each month.

Although you may be frustrated with paying a higher car insurance premium than others, it may be because your insurance company is using one of the following methods to charge you more money each month.

Credit Score

If you have bad credit and a lower credit score than most drivers you may be paying more money for your Central Oregon Car Insurance premium because, insurance agencies many times will use credit scores as a method of predicting if you might file an insurance claim in the future or not.

For example: a recent study done by consumer reports showed that drivers who had bad credit scores were more than likely to pay as much as $2,000 more per year for car insurance versus drivers who had good credit scores.

Miles Driven

Did you know that your car insurance company may actually be charging you more money for the miles that you drive each year?

One way to drive fewer miles is to start car-pooling to work because, driving fewer miles will not only lower your car insurance policy, it will also save the wear and tear on your vehicle as well.

Your Location

Last of all, but most important, another way your Central Oregon Car Insurance company may be charging you a higher premium for your car insurance policy is if you live in a bad part of town or you live far away from your job and have to commute many miles to work every day.

Get Central Oregon Car Insurance

To get Central Oregon Car Insurance contact the Farnsworth Agency today by CLICKING HERE or calling us at (541) 318-8835.

5 Ways to Save Money on Central Oregon Car Insurance

5 Ways to Save Money on Central Oregon Car Insurance

Central Oregon Car Insurance

By Tye Farnsworth

Are you interested in saving money on Central Oregon Car Insurance? If so, you’ve come to the right place!

In this article we will provide you with 5 ways you can save money on car insurance.

#1 – Increase Your Deductible

Thanks to recent data from the Insurance Information Institute we know that one of the best ways for drivers to lower their Central Oregon Insurance costs is for them to increase their car insurance deductible.

This means you will have to pay more for your car insurance to kick in if you are in a car accident but this will also lower your monthly car insurance costs as well.

#2 – Start Car Pooling

Although you might not like the idea of driving  fewer miles per year, the reality is that this step will help you to save money on Central Oregon Car Insurance because most insurers track mileage and this will lower the wear and tear on your vehicle as well.

#3 – Buy the Insurance You Need

Instead of buying a full coverage car insurance policy for your older vehicle, focus only on buying the car insurance you really need.

Many people don’t realize that they are overpaying for car insurance every month, especially if they are paying for full coverage on a vehicle which they may have paid off years ago.

#4 – Bundle Your Policies Together

Another great way to save money on Central Oregon Car Insurance is by bundling your other insurance policies together with the same company.

Besides saving you money each month this step will also be effective for helping you to keep your policies organized when you have them all with the same company.

#5 – Report Lifestyle Changes to Your Car Insurance Company

If you recently retired, got married, lost your job, or started working from home, you should report those lifestyle changes to your Central Oregon Car Insurance company immediately because, lifestyle changes mean you will be driving fewer miles per year, or driving safer, and this can also mean a savings of hundreds of dollars off your car insurance premium.

Get Central Oregon Car Insurance

To get Central Oregon Car Insurance contact the Farnsworth Agency today by CLICKING HERE to contact us online or calling us at (541) 318-8835.

Central Oregon Car Insurance Discounts For Seniors

Central Oregon Car Insurance Discounts For Seniors

Central Oregon Car Insurance

By Tye Farnsworth

Are you a senior driver who is searching for Central Oregon Car Insurance Discounts? If so, you’ve come to the right place!

In this post we will share with you four things you can do to start saving money on your Central Oregon Car Insurance premium even this week.

Senior Adult Discount

The first car insurance discount you should ask for is your senior discount.

With Allstate Insurance, senior citizens will enjoy a discount on their Central Oregon Car Insurance, especially if they are age 55 or over because Allstate knows that at least 10 percent of the senior citizen population is not actively pursuing full time employment.

Ask For a Low Mileage Discount

Another great Central Oregon Car Insurance discount you should ask for is a low mileage discount.

This discount is for seniors who drive fewer than 7,500 miles each year but the “threshold” could be as many as 15,000 miles per year so it pays to contact your car insurance agent in Bend, Redmond, Prineville or other community in Central Oregon where you may live.

Use a Diagnostic Device in Your Vehicle

Thanks to 2015 technology, senior citizens are able to prove their safe driving habits by using a diagnostic device from their car insurance provider when they are behind the wheel of their vehicle

Allstate Insurance has a smart phone app called Drivewise which is used to measure your speed, braking activity and habits behind the wheel when you are driving.

Join A Senior Organization

If you haven’t joined a senior citizen organization like AARP yet, you should consider becoming a member, because seniors who join groups like AARP can save up to $400 or more per year off their Central Oregon Car Insurance premiums.

Get Central Oregon Car Insurance

For more information about the Central Oregon Car Insurance discount you qualify for contact the Farnsworth Agency today by calling us at (541) 318-8835 or CLICK HERE to connect with us online.

Are You Missing Out On Central Oregon Car Insurance Discounts?

Are You Missing Out On Central Oregon Car Insurance Discounts?

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By The Farnsworth Agency

Have you asked your Central Oregon Car Insurance agent for a discount lately? If not, you are not alone.

Thanks to a recent report by CBS.com and insurancequotes.com  we know that close to 20 percent of all American’s have taken the time to ask their car insurance companies for discounts, especially those drivers who may drive under 5,00 miles each year.

Why Not Take Advantage Of Discounts?

One of the biggest reasons why most drivers don’t take advantage of their Central Oregon Car Insurance discounts is because they are not aware of them.

There is definitely an “education gap” in the car insurance industry since most drivers are not aware of their right to discounts and the fact that they can save money each month with them.

How to Take Advantage of Car Insurance Discounts

The first step towards step towards saving money and realizing the benefit of your car insurance discount is to speak with your insurer to find out which discounts you may qualify for.

Did you know that if you drive than 5,000 miles every year you can save as much as 8 percent, or more, off your Central Oregon Car Insurance bill simply by speaking with your car insurance agent to see if you qualify for a car insurance discount?

Some of the other discounts you may qualify for include:

  • Safe driver.
  • Good student – Great for parents with school age children!
  • Bundle discount.

Your Job May Mean You Qualify For A Discount

Another thing you should do to lower your Central Oregon Car Insurance premium is to tell your insurer about your job and see if you qualify for a car insurance discount because of what you do for a living.

Some of the professions which typically qualify for car insurance discounts include: teachers, nurses, accountants and people working in the armed forces.

Get a Central Oregon Car Insurance Discount Here

To get your Central Oregon Car Insurance discount contact the Farnsworth Agency today by CLICKING HERE or calling us at (541) 318-8835.

Central Oregon Car Insurance – 7 Tips for Getting Affordable Car Insurance

Central Oregon Car Insurance – 7 Tips for Getting Affordable Car Insurance

young central oregon young driver

By Ty Farnsworth

Are you searching for information on how you can get affordable Central Oregon Car Insurance? If so, you’ve come to the right place!

In this post I will offer you 7 tips for getting affordable car insurance in Central Oregon so you can get the policy which is right for you regardless if you have an existing policy and are interested in saving money, or you are trying to get car insurance for the first time.

Tip 1 – Include an Experienced Driver on Your Policy

Let’s say you’re applying for Central Oregon Car Insurance for the first time, if this is the case you should consider adding one or more of your parents or another experienced driver to your car insurance policy since this will save you money.

Tip 2 – Start Searching For Quotes NOW Rather Than Later

If your Central Oregon Car Insurance policy is set to expire in 3 months don’t waste waiting until just before your policy expires before you start searching for car insurance quotes, take the time to search for car insurance quotes NOW especially since you don’t want to risk letting your current policy expire if you aren’t able to obtain new car insurance in time.

Tip 3 – Pay for Your Car Insurance Policy Up Front

Did you know that most car insurance companies will charge you extra for your policy if you pay monthly vs. annually? That’s right! If you can afford to pay for your car insurance up front you should do it because this will save you at least $150 to $200 per year.

Tip 4 – Bundle your insurance With Your Other Premiums

Last of all, but most important, if you have a life insurance, renters or other insurance policy, you should consider bundling your other insurance policies with one insurance company since this will also save you money on Central Oregon Car Insurance and make your life easier because all of your insurance policies will be with the same company

Get a Central Oregon Car Insurance Quote

For more tips on how you can save money on Central Oregon Car Insurance, or to get a car insurance quote, contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to connect with us online.

 

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