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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.

Is Your Madras Car Insurance Not Affordable? Lower Your Premium with These Tips

Is Your Madras Car Insurance Not Affordable? Lower Your Premium with These Tips

Simple tips for lowering your Madras Car Insurance premium 

You have Madras Car Insurance because you know that you need it to drive legally on the roads of Central Oregon but your car insurance premium has increased in the last year and you need to save money on car insurance.

What do you do?

What most insurance agencies in Central Oregon don’t tell you is that saving money on Madras Car Insurance is easy especially, if you follow these simple tips.

Tip #1 – Consider Dropping Full Coverage If You Own an Older Vehicle

If your vehicle is five years or older you may want to consider dropping your full coverage Madras Insurance Policy for a liability only policy, especially if you drive a minimum amount of miles each year because, that liability only car insurance coverage will save you at least $500 for the year.

Madras Car Insurance

Tip #2 – Pay for Your Madras Car Insurance Annually Instead Of Monthly

Even though you may be accustomed to paying for your Madras Car Insurance policy monthly did you know that you can literally save hundreds of dollars per year if you pay for your Central Oregon Car Insurance annually?

Not only will paying for car insurance annually vs. monthly save you money on car insurance it will also eliminate a monthly bill and make your life easier as well.

Tip #3 – Don’t Hesitate To Ask For a Bundle Discount

Last of all, but most important, if you own an RV, motorcycle, home or have life insurance, you should consider bundling all of your insurance policies with the same company because most companies offer a bundle discount that can amount to a hundreds of dollars per year off your Madras Car Insurance costs.

Get Madras Car Insurance

For an affordable Madras 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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Get a car insurance quote – Click here!
How Much Car Insurance Do I Need?

How Much Car Insurance Do I Need?

One question that Central Oregon drivers have at one time or another is how much car insurance do I really need? Do I need full coverage car insurance or liability only? If you have too much car insurance, you can overpay on car insurance every single year but if you don’t have enough, you can easily end up in bankruptcy because, your car insurance didn’t cover all of your financial needs after a car accident.

What Is Bodily Injury Coverage?

One of the most important parts of Central Oregon Car Insurance is bodily injury coverage; this form of car insurance will compensate the driver of the vehicle and even any passengers should they get into a car accident.

When purchasing bodily injury coverage you should purchase no less than $100,000/$300,0000 coverage because, you want to make sure you have enough coverage to protect all of your assets just in case you get into an accident and contrary to public opinion, bodily injury insurance coverage only costs around $250 per year.

Do you Have Enough Property Damage Insurance Coverage?

It doesn’t matter if you live in Bend or Prineville Oregon, property damage coverage is an important part of Central Oregon Car Insurance, this form of auto insurance protection will protect a drivers vehicle regardless if they get into a minor fender bender or a major car accident on one of Oregon’s highways.

It’s important to have no less than $50,000 worth of property damage coverage per vehicle and no less than $100,000 coverage total because, most of today’s vehicles cost no less than $20,000 dollars.

Personal Injury Insurance Coverage

Although some Bend Oregon insurance agents might recommend that you skimp on personal injury insurance coverage, you shouldn’t skimp on this coverage because, it will pay for any medical costs that you incur after an accident and even funeral costs should fatalities occur.

To learn more about other forms of insurance coverage like uninsured motorist, collision or comprehensive insurance and get an affordable car insurance quote, contact the Farnsworth Allstate Agency today by calling (541) 318-8835 or click here for a free, online quote.

Car Insurance Questions – Answers To The Most Common Questions Drivers Have

Car Insurance Questions – Answers To The Most Common Questions Drivers Have

Central Oregon car insurance can get expensive over time for a variety of reasons any many drivers often get frustrated as a result and have the same basic questions about their car insurance policies; to answer those questions, we’ve compiled a list of the top three car insurance questions and answers.

Will My Car Insurance Rates Go Down As My Car Gets Older?

The answer to this question is yes, of course; car insurance premiums generally go down as a vehicle gets older because; older vehicles are typically paid off by their owners and are no longer financed, this means that the owner can opt for just paying liability coverage and this can save an owner hundreds of dollars per year.

Will I Pay Less For Car Insurance After I Get Married?

The answer to this question is both yes and no; yes you will pay less for car insurance once you get married because, married drivers are seen as being more stable than non-married drivers but no, you will not pay less for car insurance after you get married if you have a poor driving record and have gotten into accidents or had speeding tickets.

What Exactly Is A High Risk Driver?

A driver who has Central Oregon car insurance and they bought their car insurance from a Bend Oregon car insurance company or somewhere else in Oregon are seen as “high risk” for a variety of factors, including: multiple car accidents, failure to pay for tickets or more than one insurance claim filed against them. When a driver meets these criteria they can expect to pay more for car insurance, per year than someone of the same age and background.

If you like the content in this post and found it helpful, please share it with your friends on your favorite social media networks.

To learn more about car insurance in Bend Oregon and to have your other car insurance questions answered, please contact the Tye Farnsworth Allstate Insurance company today at (541) 318-8835.

 

get car insurance in bend oregon
Thinking About Getting Car Insurance In Bend Oregon?

Thinking About Getting Car Insurance In Bend Oregon?

Everyone who has car insurance in Bend Oregon knows that it’s important to have Central Oregon car insurance because, it’s an important form of protection that gives any driver peace of mind when they are on the roads of Central Oregon but what about medical payments coverage? Is this an important part of coverage that a driver in Central Oregon should add to their car insurance? The answer is yes.

Medical Payments Coverage Explained

Medical payments coverage will give any Bend Oregon or Redmond Oregon driver peace of mind in knowing that if they were to get into an accident, all of their bills related to their car accident would be covered, no matter who was at fault for the accident; this form of protection will also protect the insured if they are in an accident while they are a passenger in a vehicle that’s owned by another driver; what’s even better is that medical payments coverage will also cover the policy holder if they are hit by a car as well too.

Why Every Driver Needs This Coverage

The average Central Oregon resident who has car insurance in Bend Oregon or somewhere else typically does have health insurance but their health insurance does include a deductible that they will have to pay if they get into a car accident. With medical payments coverage, this insurance protection will pay for itself immediately because, in some instances, it will pay for the insured drivers health insurance deductible so they won’t have to worry about paying that cost themselves.

Coverage Specifics

Medical payments coverage offers drivers a variety of options ranging from $1,000 to $100,000 dollars in coverage and best of all, it only costs drivers a few extra dollars per month that can be conveniently added to their Central Oregon car insurance policies.

To learn more about the benefits of medical payments coverage and get a free, car insurance quote, contact the Tye Farnsworth Allstate insurance team today at (541) 318-8835.

Boating – One Of The Most Popular Things To Do In Bend Oregon

Boating – One Of The Most Popular Things To Do In Bend Oregon

One of the most popular things to do in Bend Oregon is to go boating, and as you drive up and down Highway 97, or other roads in the area, it’s not hard to miss seeing people towing their boats to one of the wide variety of lakes that Central Oregon has to offer, but the question is are these boats insured?

Why Insure A Boat?

One of the common misconceptions that many people make is that their boat is covered by their auto insurance, or homeowners insurance policies, when in reality, their boats are not, because, those insurance policy’s typically do not cover liability, damage or theft of the boat or watercraft, and that’s why it’s important to have a separate insurance policy that guarantees the boat will be insured and protected when it’s in use.

Boat Insurance Specifics

Every person who obtains insurance for their boat should make sure that they get the most insurance protection possible when it comes to insuring their boat; a typical boat insurance policy should include the following:

Coverage for physical damage – This form of insurance protection will cover any life jackets on the boat, anchor and systems that are used for navigation of the boat.

How Much Does Boat Insurance Cost?

People who live in the area know that boating is one of the most exciting things to do in Bend Oregon on any given day but if boating insurance is expensive, will the average boat owner want to use their boat more often? The answer is no; thankfully, boat insurance is not expensive, it costs an average of $24 per month and most insurance companies also offer boat insurance that includes options like towing, just in case a boat becomes stranded.

To get a free boat insurance quote, contact our insurance team at the Tye Farnsworth Insurance Agency today at (541) 318-8835 or click here for a free, online quote. 

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