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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  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.

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. 

What Does Central Oregon Car Insurance Actually Cover?

What Does Central Oregon Car Insurance Actually Cover?

If you’re like most drivers who have car insurance you also want to know what your Central Oregon Car Insurance actually covers because in the event of a car accident or injury you want to know how your car insurance protects you when you need to use it.

In this article, we will provide you with a breakdown of what your Central Oregon Car Insurance covers so you can be better prepared for the next time you get behind the wheel.

What Central Oregon Car Insurance Covers

Hail damage? Typically, the answer is yes, if you have comprehensive coverage. Comprehensive coverage may help pay to repair dents in your car, broken windshields and even interior water damage caused by hail. 

Pothole damage? Generally, collision coverage may help pay for damage to your vehicle caused by hitting a pothole, but car insurance policies typically do not cover normal wear and tear to tires due to potholes. 

Windshield damage? Your insurance may be able to help if you have comprehensive or full glass coverage. These coverages may help pay for the costs of repairing or replacing your windshield. 

Tree damage? If you have comprehensive coverage, insurance may help pay to repair or replace your vehicle, as long the damage doesn’t exceed your car’s worth. 

Hitting a deer? Typically, damage to your vehicle after hitting a deer is considered a covered loss under comprehensive coverage. 

Squirrel damage? If a squirrel chews on your car’s wiring, comprehensive coverage may help pay for repairs. 

A hit-and-run? Auto insurance may help protect you if you’ve been hurt or your car has been damaged in a hit-and-run. Collision coverage may help pay for car repairs after a hit-and-run. Uninsured and underinsured motorist coverage and medical payments coverage may help cover your medical bills after a hit-and-run. 

Catalytic converter theft? Typically, comprehensive coverage may help cover the theft of car parts. 

A stolen car? Comprehensive coverage typically helps cover losses such as theft. In the event your car is stolen, call the police and file a report, notify your insurance company after you’ve filed the report and if your car is leased or financed you should notify the lender. 

A friend wrecking my car? If your friend was involved in a wreck while driving your car, typically your insurance policy (not his) would likely be tapped to pay for damage or injury costs resulting from the accident. However, the way this plays out depends on the specific coverages and limits of your insurance policy. 

Keep in mind that the coverage you may receive will depend on the type of auto policy you have. In the event of an accident, note that you may be required to pay a deductible in order for your coverage to fully kick in.

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 connect with us online.

Should I Cancel My Car Insurance or Adjust My Policy?

Should I Cancel My Car Insurance or Adjust My Policy?

Before you pick up the phone to cancel your auto insurance policy, take a minute to make sure that cancellation is the right decision.

A gap in your car insurance, even if it’s only for a few days, may cause problems for you down the road.That’s because periods with no auto insurance could flag you as a higher risk and you may pay higher premiums in the future.

So, when is it OK to completely cancel — or not renew — your policy? And, what are some other situations when it might make sense to simply adjust your coverage? Here are four common situations that may affect your insurance:

Selling Your Car … And Not Replacing It

Maybe you’re moving to an urban area and planning to rely solely on public transportation. Or maybe you’re simply reducing the number of family vehicles. Either way, if you’re getting rid of a vehicle for good, it makes sense to cancel its insurance policy.

Keep in mind that stopping payments may not result in your policy being canceled. You’ll likely need to contact your insurer directly for that.

Jeanne Salvatore of the Insurance Information Institute recommends talking with your insurance agent to determine whether and when you’re owed a refund if you should cancel the policy before the policy it expires.

If you aren’t going to be driving your classic car, you may be tempted to cancel the policy. Even though the car isn’t on the road, it could still be exposed to dangers, however, such as theft, falling objects or hail. Salvatore says you should strongly consider keeping comprehensive coverage to help protect your baby against unexpected mishaps.

“If you plan on only occasionally in a parade, ask your agent about a policy that allows for occasional driving,” says Salvatore. Ask your agent about an “exhibition auto” policy if you’re only taking your classic car to shows and parades. Take note, however, that classic vehicles kept for racing likely are not covered under this type of policy.

Your Teen Is Heading to College

If your child will no longer be regularly driving the family vehicle: When he moves off to college, talk to your agent about potentially adjusting the family policy. If his school is 100 or more miles away from where you keep the family vehicle, you might be able to get a discount on your policy, since he will be driving it less frequently.

If your child is leaving his own car at home: If he has a car with a title in his own name but plans on keeping the vehicle at home, he’ll likely need to keep his insurance policy in place. When he comes home to visit and drives his car, liability coverage is required. Additionally, comprehensive coverage may be required by the lender if he’s still paying off the vehicle.

Your Car is Paid Off

Now that the title is in your name, you might be considering downgrading modifying your car insurance coverage.

Some coverages — like comprehensive and collision — may not be required after your car is paid off. (Drivers in most states are legally required to carry liability coverage.)

While liability can help pay for damages you cause to someone else, comprehensive and collision can help pay for damages to your own car. So, if you’re thinking about dropping coverage, Salvatore cautions against a liability-only policy.

“If you only have liability, then you aren’t covered if (your car) is stolen or hit,” she says. She recommends keeping collision and comprehensive coverage even after the final payment has been sent.

If you’re thinking about canceling your car insurance, give your agent a call first. By taking the time to talk over your situation and your options, you can be better informed to make the right decision for today and in the future.

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 Questions and Answers

Central Oregon Car Insurance Questions and Answers

man paying bills

What are the differences between comprehensive coverage and collision coverage?

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

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

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

Central Oregon Car Insurance Deductibles

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

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

Understanding Car Insurance Limits

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

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

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

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

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

Learn More

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

Most Americans Clueless About Answers to Basic Car Insurance Questions

Most Americans Clueless About Answers to Basic Car Insurance Questions

central oregon car insurance

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

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

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

Most Americans Don’t Really Know Car Insurance

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

Hard To Find Answers?

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

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

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

Car Insurance Questions – Do You Need A Title To Get Car Insurance?

Car Insurance Questions – Do You Need A Title To Get Car Insurance?

central oregon car insurance

One of the most common car insurance questions is “do I have to have a title to get car insurance for a vehicle?”

The answer to this questions is no; you don’t need to show the title, for a vehicle, in order to get car insurance for it.

This is especially true for vehicle owners who have financed their vehicles since the titles for their cars or trucks are usually in the hands of their leasing companies until they pay off their vehicles.

Insurable Interest

In order to obtain insurance for a vehicle, the owner or driver is required to show that they have an “insurable interest” in the car or truck, which is requiring them to obtain car insurance in order for them to drive legally on the roads of Oregon or the state that they live.

What does insurable interest mean?

This simple term means that the driver of the vehicle will suffer some economic loss if the vehicle they are driving and it’s damaged in some way.

Someone who has an insurable interest in the vehicle they are leasing is basically a co-signer on the vehicle since the leasing company is the primary owner.

What’s required to Show Insurable Interest?

To show that they have an insurable interest in the vehicle, the owner of the vehicle must show proof that they purchased the vehicle including a title or even a bill of sale.

Thanks to the internet it’s easier than ever before for any driver to find affordable car insurance simply by doing an online search or by contacting their Oregon insurance agent.

To have your common car insurance questions answered or to get an Oregon Car Insurance quote, contact the Farnsworth Agency today by calling us at (541) 318-8835.


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