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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 www.hldi.org/research/hldi/composite_intro.html. 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!
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 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.
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. 

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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What to Look For In A Central Oregon Car Insurance Agent

What to Look For In A Central Oregon Car Insurance Agent

Are you thinking about changing car insurance policies to save money but aren’t sure what you should look for in a Central Oregon Car Insurance Agent? If so, you’ve come to the right place!

In this article, I will break down several things you should look for in an insurance agent just so you can have confidence that you’re hiring the most experienced agent for your money.

#1 – Experience

The first thing to look for in a Central Oregon Car Insurance Agent is their level of experience. You want to make sure you’re hiring an agent who is very knowledgeable about the insurance industry and will offer you the best car insurance premium for your needs, instead of trying to oversell you a car insurance policy that you’re not going to need.

One of the best ways to confirm the experience level of a Central Oregon Car Insurance Agent is to look them up online and see if there is any feedback from their current or past clients. You should also review social media websites like Facebook and Twitter to see if they have profiles there as well.

#2 – Service

Once you’ve confirmed the experience of a Central Oregon Car Insurance Agent you should next confirm their level of service and find out if they are available to take your call Monday through Friday during normal business hours, or if you’ll be put on hold when you call.

Another important way to confirm their level of service is to take the time to drive by their office and see if they are available to meet with you face-to-face.

Central Oregon Car Insurance Agent

#3 – Value

Last of all, but most important, when choosing a Central Oregon Car Insurance agent you should also look for value, and specifically ask them what they can do to offer you the most value for your money, because many insurance companies these days will offer you specific discounts and bundle values for doing business with them.

Contact A Central Oregon Car Insurance Agent

To contact a Central Oregon Car Insurance Agent call (541) 318-8835 or click here to connect with us online. We’re conveniently located at 1900 NE Division St Ste 111, Bend, OR 97701 and look forward to the opportunity of serving you!

7 Reasons Why Central Oregon Car Insurance Is a Necessity

7 Reasons Why Central Oregon Car Insurance Is a Necessity

Central Oregon Car Insurance

So you’re thinking about driving without Central Oregon Car Insurance because you think you can save money every month.

Before you make the decision to eliminate your car insurance payment here are 7 reasons why Central Oregon Car Insurance is a necessity and shouldn’t be eliminated from your monthly budget.

#1 – Nature Is Always Changing In Central Oregon

One of the biggest reasons why you should have Central Oregon car insurance is because nature is always changing in Central Oregon, and driving conditions here can become unpredictable, especially during the winter months so it makes sense to have an insurance policy that protects you financially should you get into a car accident.

#2 – Don’t Under Value Your Vehicle

Although you may be driving an older vehicle you should never under value your vehicle because, in today’s world some older vehicles are worth more for thieves to steal than newer vehicles are.

#3 – Other Drivers Will Not Be Financially Prepared For Accidents

If you think that other drivers will have Central Oregon Car Insurance and be covered if they hit you, think again, you should never assume drivers have car insurance and will be financially prepared for a car accident because that’s a recipe for disaster.

#4 – Medical Bills Are Very Expensive

Another HUGE reason for having Central Oregon Car Insurance is because medical bills can be very expensive and one emergency room visit after a car accident can send you into bankruptcy. To save this from happening to you it’s best to have a car insurance policy that will cover you financially should you get into a car accident.

#5 – You Might Need a Lawyer

Thankfully, when you choose the right Central Oregon Car Insurance policy you can count on your legal expenses being covered if you are found to be at fault and you face a lawsuit that’s accident related.

#6 – Everyone Values Their Assets, More Than Their Vehicle

Like most people you probably don’t value your vehicle more than your estate but, you may need to sell your assets or tap into your estate to pay for damages if you are found to be at fault after a car accident, that’s why it makes sense to have Central Oregon Car Insurance so you have financial protection wherever you go.

#7 – You Can’t See Into the Future

Last of all, but most important, another big reason to have car insurance is because you can’t see into the future and it’s better to have a car insurance policy now because, one wrong turn can easily lead to an accident or injury that you were unprepared for.

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.

Do This before Choosing That Dirt Cheap Central Oregon Car Insurance Quote

Do This before Choosing That Dirt Cheap Central Oregon Car Insurance Quote

Central Oregon Car Insurance

By Tye Farnsworth

There’s no denying that in 2016 budgets are tight and many families are having a hard time paying the bills. Sadly one of the most common things that is sacrificed is Central Oregon Car Insurance which results in the average family choosing a dirt cheap car insurance quote to cut costs.

If you find yourself in the position of choosing a dirt cheap Central Oregon car insurance quote please read this blog post and make sure you follow these tips before choosing a new car insurance company.

#1 – Always Watch Out for Fraud

Before saying yes to a new Central Oregon car insurance company make sure that you take the time to research the company, including the agent online to verify that there are not any accusations of fraud or unscrupulous behavior tied to that insurance provider.

Confirm that the car insurance company uses insurance agents who are licensed in the state of Oregon, use realistic documents, provide proof insurance cards and other documentation that you would find a normal insurance company.

#2 – Be Wary About Sacrificing Coverage

Although you may be tempted to choose a cheap Central Oregon car insurance policy, the reality is that you should without a doubt think twice before choosing cheap car insurance especially if you recently purchased or leased a new vehicle because many companies will require you to have full coverage on that vehicle or you could risk voiding the terms of your lease / contract.

#3 – Don’t Be Pressured To Buy Now

Before saying yes to signing up with for a new Central Oregon car insurance policy make sure that you’re not pressured to buy now. You should take your time to investigate agents and insurance companies before agreeing to sign up for an insurance policy with any company because ultimately it’s your vehicle, your life, and financial future online should you get into a car accident and be relying on your car insurance policy.

Get Central Oregon Car Insurance

For an affordable central Oregon car insurance quote contact the Farnsworth agency today by calling us at area code 541-318-835 or click here to contact us online.

Don’t Forget Central Oregon Car Insurance Costs When Shopping For a New Car

Don’t Forget Central Oregon Car Insurance Costs When Shopping For a New Car

Pink piggy bank surrounded by stacks of gold coins.

By Tye Farnsworth

CENTRAL OREGON – One of the most important things you can do when shopping for a new car is to think about the Central Oregon Car Insurance cost associated with that car BEFORE you agree to purchase it.

Big Difference in Pricing

Thanks to a recent study by WalletHubFound we know that car insurance prices can vary by up to 39 percent, or more, depending on the make and model of the vehicle.

When you choose a new vehicle your Central Oregon Car Insurance premium will also vary in price based on a variety of factors including: your driving experience, your job, where you live, make and model of the vehicle you are purchasing and how many miles per year you drive.

Cost Of Vehicle Also Matters?

The WalletHubFound survey also found that 22 percent of insurance premiums that they track were also tied to the cost of the vehicle as well.

What’s interesting about these car insurance statistics is that the WalletHubFound statistics also found that it’s actually more expensive to insure a three year old sedan versus insuring a new sedan in the same price range.

Sports Cars Expensive To Insure

If you’re planning on buying a new sports car it’s not surprise that the WalletHubFound survey revealed that sports cars are more expensive to insure than sedan and they are 24% more expensive to insure SUV’s and crossover vehicles.

Toyota Camry Versus Honda Accord

Are you planning on buying a Toyota Camry versus a Honda Accord?

What’s interesting about Camry vs. Accord is that the Toyota Camry costs $2,787 to insure for one year while the Honda Accord costs just $2,550 to insure for one year, even with identical coverage.

Get a Central Oregon Car Insurance Quote

Before you purchase a new vehicle it’s time to get a Central Oregon Car Insurance quote, contact the Farnsworh Agency today by calling us at (541) 318-8835 or click here to connect with us online.

Learn More About Bend Oregon

Learn More About Bend Oregon

Bend-Oregon-2014

If you’ve been thinking about relocating to Bend Oregon you will most likely be interested in the city that you will be calling home in the future.

Over the last five years Bend has developed into one of Central Oregon’s largest cities and is the County Seat for Deschutes County. Our city currently has over 80,000 residents and that number is growing every single year thanks to our ever growing tourism industry as well as our great business community and so much more.

A Humble Start

Bend Oregon’s name comes from the name “Farewell Bend”, a designation that was used by pioneers and settlers back in the early 1800’s who were settling here since the location of the future town of Bend Oregon was one of the few points along the Deschutes River that could be considered to be fordable.

Even though Bend’s history dates back to 1824, it actually goes back a lot farther than that since Indians were known to hunt and fish in this area for at least 10,000 years, or more, before Bend became a reality to developers who saw this part of Central Oregon as an ideal location for them to build a town.

Bend Gets Off The Ground

From the 1820’s to 1900 Bend Oregon, or Farewell Bend as it was known, continued to exist as a small settlement until the Pilot Butte Development Company started the first sawmill in Farewell Bend and once the mill got started more people began to relocate here.

By 1904 there were over 300 residents and the Town of Farewell Bend incorporated and ultimately changed the name of the town to Bend, the name that we know and love to this day.

By 1910 our beloved Mirror Pond was created and eventually Mirror Pond Dam,  hundreds of households were able to enjoy the benefit of electricity, and ever since then Bend has continued to be a town that’s progressive in it’s values, pro-business and one of the safest towns in Oregon to raise a family.

To learn more about Bend Oregon, 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 car insurance quote online. 

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