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Reasons to Leave Your Central Oregon Car Insurance Company

Reasons to Leave Your Central Oregon Car Insurance Company

By Tye Farnsworth

BEND, Ore. – In 2017, most families are still on fixed incomes and paying for Central Oregon Car Insurance can become a burden especially if there are multiple drivers in the family, and one of those drivers is under the age of 25.

Thankfully, there are many affordable options for car insurance available today so if you’ve been thinking about leaving your car insurance company you should make the switch especially for these reasons.

Reason #1 – Your Rates Keep Going Up and It’s Not Your Fault

Have you experienced a Central Oregon Car Insurance rate increase in the last two years? If so, this is the first reason to switch to a new car insurance company because rate increases that are not the result of you getting into a car accident or injury shouldn’t be tolerated especially since there are many options for car insurance out there for you to choose from.

Reason #2 – You Want to Bundle Your Policies but Your Car Insurance Company Doesn’t Bundle

Another great reason to switch Central Oregon Car Insurance policies is when you want to bundle all of your policies with one company and your insurance company won’t offer you a bundle rate.

Bundling your insurance policies together will save you money each month and it makes sense to choose a car insurance company who wants to earn your business by offering you an affordable bundle rate.

Reason #3 – It’s Impossible Reaching Your Central Oregon Car Insurance Agent

Last of all, but most important, lack of customer service is another great reason to switch to a new car insurance company especially if you are unable to speak with a live person or get your car insurance questions answered in your time of need.

At the Farnsworth Agency, we’re located right here in Bend Oregon and have live representatives available to talk with you over the phone or in person, during normal business hours, should you need assistance with your car insurance questions or policy.

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 get a car insurance quote online.

car insurance myths you need to know

car insurance myths you need to know

There are a lot of car insurance myths that continue to be spread around by consumers. One of the biggest reasons for car insurance myths is that you do not exactly know how your car insurance is calculated by your insurance company. These calculations are a closely guarded secret by most car insurance companies, but there are a few clues as to what makes our car insurance rates rise.

It is important when you compare car insurance rates to understand as much as you can about how your car insurance rates are calculated and to debunk the popular car insurance myths in order to ensure that you are saving money on car insurance as much as possible. For every six months of accident-free driving you can earn a check from Allstate Auto! Quote Now!

Top Car Insurance Myths

MYTH #1 – THE COLOR OF YOUR CAR DOES NOT MATTER

The color of your car does not affect the price you way for your car insurance premium. This is one of the most popular car insurance myths that continue to circulate throughout the country and across generations. But, the fact of the matter is that car insurance companies do not car what color your car is when they calculate your car insurance premiums. There are many many auto insurance leads that you can check out to compare insurance premiums.

Red cars do not equate to a higher insurance rate simply for the fact of being red. Car insurance companies care about their historical data on the likelihood that your make, model, and year of car will be damaged. They care about your history of driving and the likelihood that they will have to payout a claim against your policy more than anything else when determining the price they will charge you for your insurance premium.

MYTH #2 – SPORTS CAR DRIVERS ALWAYS HAVE HIGHER CAR INSURANCE

Owning a sports car does not automatically equate to having higher car insurance. Studies have shown that there are many other types of car classes, certain makes, and models that are much more costly to insure than sports cars.

Car insurance companies set car insurance premiums based on the cost and likelihood of a claim based on each individual person and the type of car insured. Some cars have historically higher repair costs and higher replacement parts costs that can significantly increase the cost of their insurance premiums.

MYTH #3 – YOU ARE RESPONSIBLE EVEN IF YOUR FRIEND IS DRIVING

For most car insurance policies, the insurance policy remains with the vehicle and not the driver. So, if you allow your friend or someone else to drive your car, you and your insurance company could still be still responsible for any damages or injuries from an accident.

Once your insurance policy has been maxed out, you may be able to tap into the driver’s insurance policy in the event of an accident with a lot of damage and loss. Do not make the mistake in believing the car insurance myth that you are not responsible when you loan your vehicle to someone. You and your car insurance could still be on the hook.

MYTH #4 – I’M COVERED IF MY CAR IS TOTALED

Your car may not be completely covered by enough insurance to pay off your loan if it is totaled. Often borrowers roll old car loans into new car loans, and most new cars depreciate significantly as soon as you drive it off of the car lot. This can create a gap between the true value of the car and the amount of money that you owe the bank on your car loan.

Almost all car insurance policies have a clause that they will only payout the cost of your vehicle. They will not pay the amount of your loan balance if your car is worth significantly less. You need gap insurance which is a separate and specific type of car insurance used just for this purpose. Gap insurance covers that gap between the amount your car insurance will payout and the rest of your loan balance on the car.

MYTH #5 – MY CAR INSURANCE COVERS MY RENTAL CAR

You need to check with your car insurance company before you rent a car to ensure that you have the proper car insurance clauses that cover rental cars on your insurance policy. Not all policies cover rental cars. It is not an automatic entitlement. You need to have it added to your current car insurance policy, and typically this is a very inexpensive provision to add to your policy.

Depending on the credit card you use, you may already have car insurance as a credit card benefit. Many credit card companies offer car insurance coverage for rental cars when you use their credit card. You should check to see if you’re covered for rental car insurance by your credit card.

MYTH #6 – ITEMS IN YOUR CAR MAY NOT BE COVERED

You may find that your personal property, like a laptop or cell phone, may not be covered under your car insurance policy. These types of items are typically excluded from your car insurance policy, and claims must be filed under your homeowner’s insurance or renter’s insurance. This may not be very cost effective though depending on your homeowner’s insurance deductible which often tends to be higher than a simple car insurance policy’s deductible.

Get A Car Insurance Quote Here

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. 

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.
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.

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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Should Your Get Minimum Central Oregon Car Insurance?

Should Your Get Minimum Central Oregon Car Insurance?

By Tye Farnsworth

BEND, Ore. – Should you get Minimum Central Oregon Car Insurance? The answer to this question is it depends on your personal situation including if you’re retired and only drive your car or truck in town and don’t use it for anything else during the course of a normal week.

Why You Should Get More than the Minimum Central Oregon Car Insurance

Going with the minimum Central Oregon Car Insurance doesn’t always pay off like some drivers may think especially if they use their vehicles for commuting to and from work, or drive more than the average amount of miles per year. One accident or one injury that you’re involved in could mean that you will not be properly insured and without adequate insurance, you could be taking a huge financial risk every time you get behind the wheel because just one accident could wipe you out financially.

Why Have More Than The Minimum?

The easiest way to calculate how much Central Oregon Car Insurance you really need is to think about your assets and what you cannot afford to lose because once you do this it will be easy to see that as responsible driver it makes sense to go with the most car insurance possible, especially if you’re married and have a family.

central oregon car insurance

Concerned About Cost? Ask For These Discounts

When applying for a new Central Oregon Car Insurance quote make sure you ask for these quotes: safe driver, good student discount and bundle discount because each discount can literally save you hundreds of dollars per year off your car insurance costs.

Get a Central Oregon Car Insurance Quote

To learn more about how much Central Oregon Car Insurance you really need to contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to connect with us online.

Tips For Saving Money On Central Oregon Car Insurance After College

Tips For Saving Money On Central Oregon Car Insurance After College

By Tye Farnsworth

BEND, Ore. – There’s no denying that college can be expensive because, not only do you have to pay for your college tuition, you also face high Central Oregon Car Insurance payments if you’re under age 25. Thankfully, once you reach age 25 your insurance premium will go down because, most insurance companies see this as the “golden age” when drivers typically are more mature and once you get out of college you can lower your car insurance premium even more by following these simple tips.

Tip #1 – Always Shop Around For Car Insurance

Did you know that you can easily save up to $1,000 per year simply by shopping around for low Central Oregon Car Insurance premiums instead of continuing to pay that same high car insurance premium every month?

Most people don’t shop around for low car insurance rates because they are afraid of offending a family member or friend that they may have bought insurance through but it’s important to remember the annual savings and how that can affect your life.

Tip #2 – Ask For Central Oregon Car Insurance Discounts

Always ask your Central Oregon Car Insurance Company for car insurance discounts like: safe driver and a discount for bundling all of your insurance policies with the same insurance company because car insurance discounts can easily save you hundreds of dollars per year.

Tip #3 – Inform Your Insurer of Major Life Changes

Once you turn age 25, get married, or start a family, you should always notify your insurance company because major life changes will help you to save more money on car insurance than you ever thought possible.

Tip #4 – Search for Usage Based Car Insurance

In today’s world many companies are offering driver’s usage based car insurance so you’re only paying for the miles that you actually drive. If your insurance company offers this type of Central Oregon Car Insurance you should ask for it because, usage based car insurance is another great way to save money on car insurance especially if you’re on a budget every month.

Tip #5 – Manage Your Credit Wisely

After college always manage your credit wisely, and pay your bills on time, because, doing both of these things have been proven to keep car insurance premiums low since insurers do verify an individuals credit, and often use this as another method of determining what their car insurance premium will be.

Besides the tips mentioned in this article you can also lower your Central Oregon Car Insurance premium even more by taking a defensive driving course, driving fewer miles per year, choosing a higher deductible and parking your vehicle inside at night instead of on your driveway or in a parking garage.

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.

Did Your Central Oregon Car Insurance Premium Just Increase? Here’s what to Do Next

Did Your Central Oregon Car Insurance Premium Just Increase? Here’s what to Do Next

Save Money On Central Oregon Car Insurance Here!

If you just received your renewal from your Central Oregon Car Insurance Company and found that your premium increased you’re not alone. Many drivers across the United States have found that their car insurance premiums have increased by as much as 15% and they aren’t happy about it.

In this article we will share with you several tips you can use to lower your premium and save money on Central Oregon Car Insurance.

Tip #1 – Search for another Car Insurance Company

Although you may have been with your Central Oregon Car Insurance Company for year’s one important thing to remember is that if you’re paying more money for the same coverage, and you didn’t get into an accident, you owe it to yourself to search for more affordable car insurance so you can save money.

Tip #2 – Downsize Your Car Insurance Policy

Have you been sticking with a full coverage Central Oregon Car Insurance policy for some time even though your vehicle is more than five years old? In this case it makes sense to downsize from full coverage to a liability only care insurance policy so you can save money on car insurance every month.

Tip #3 – Ask For Bundle Discounts

Do you have multiple insurance policies including life insurance and homeowners insurance? If so, you should ask your Central Oregon Car Insurance Company if they offer a bundle discount if you decide to combine all of your insurance policies with the same company.

Central Oregon Car Insurance

Tip #4 – Are You A Safe Driver? Don’t Be Afraid To Ask For a Discount

Last of all, but most important, another important way you can save money on Central Oregon Car Insurance is by asking for a safe driver discount if you’ve not been in an accident or had a ticket within the last few years.

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.

 

Central Oregon Car Insurance
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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.

How to Choose the Right Central Oregon Car Insurance Company

How to Choose the Right Central Oregon Car Insurance Company

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Are you planning on searching for a new Central Oregon Car insurance company? If so, you’ve come to the right place!

Choosing the right car insurance company is as important as choosing the right car insurance policy itself. In this article will provide you with several tips that will help you with choosing the right car insurance company for your insurance needs.

Know The Central Oregon Car Insurance That You’re Searching For

Before searching for a Central Oregon Car Insurance company, make sure that you understand the type of insurance policy that you’re searching for.

For example: are you searching for full coverage auto insurance? Liability only car insurance? Or cheap car insurance? These are all important question to ask because, each car insurance company will offer you different types of coverage and it’s important to know that type of insurance that you’re searching for.

Make Customer Service A Priority

Besides choosing a Central Oregon Car Insurance company based upon price along, you should also choose an insurance provider that offers you excellent customer service and has someone available to speak with you normal business hours during the week.

For most people having the ability to interact with an actual insurance agent is still important in 2016, even though most insurance policies can be bought over the phone, or the Internet. If you’re the type of person who likes to interact with an actual insurance agent, you should also verify that the Central Oregon Car Insurance company you choose has a physical office and actual agent that’s ready to meet with you to discuss your car insurance policy during normal business hours.

Confirm Their Financial Standing and Reputation

One of the great things about the Internet is that you can use search engines like Google to look up the financial standing, and reputation of any Central Oregon Car Insurance company online.

Doing your online research will also enable you to investigate a car insurance companies complaint ratio, and verify that the car insurance company has a good ranking with the Better Business Bureau (BBB).

Choose From Three Quotes

Instead of choosing just one Central Oregon Car Insurance quote, you should choose your future car insurance company from up to three quotes because, this will offer you multiple options and give you a good idea of the price that you can expect to pay for your car insurance policy.

Speak With Friends and Family Members

Another helpful thing you can do when choosing a Central Oregon Car insurance policy is to speak with your family members and friends about who they are currently using for an insurance provider because, this will enable you to get first-hand information about an insurance company and you also will also be able to learn if they’ve raised premiums on their clients over the last two years.

Don’t Forget To Ask For Discounts

Last of all, but most important, before choosing a new Central Oregon Car insurance company, you should not hesitate to ask for a bundled rates or other discounts like: good student or safe driving discount because, these common discounts can save any driver hundred dollars per year offer their car insurance policy.

Get Central Oregon Car Insurance Here

For affordable Central Oregon Car Insurance contact that Farnsworth Agency today by calling us at (541) 318-8835 or click here to connect with us online.

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