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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.

4 Surprising Things That Will Increase Your Central Oregon Car Insurance Premium

4 Surprising Things That Will Increase Your Central Oregon Car Insurance Premium

Get A Central Oregon Car Insurance Quote – Click Here!

By Tye Farnsworth

BEND, Ore. – You’ve been driving for a long time and may not have gotten into a car accident but, did you know that there are 4 surprising things that will increase your Central Oregon Car Insurance Premium?

#1 – Your Car Insurance History

Did you know that even though you may have been driving since age 16 you can still have a higher than normal car insurance premium, even if you haven’t gotten into an accident over the years because, if you’ve lapsed in coverage and have gone months or years between having car insurance some insurers may think that this is high risk behavior and they may raise your premium accordingly.

#2 – How You Drive

Another common thing that will raise car insurance premiums is how a driver drives their vehicle because, a vehicle that’s used for a high risk job could be a sign of high risk behavior and lead to the driver paying an additional 18% per year for car insurance.

Central Oregon Car Insurance

#3 – Non-Disclosed Accidents

You may have gotten into a “minor” fender bender years ago and not thought about it when you recently signed up for a Central Oregon Car Insurance policy but failing to disclose that accident can cost you since insurers dislike when people lie on their paperwork and they may raise your premium accordingly.

#4 – Central Oregon Car Insurance Companies Care if you’re married

Are you planning on getting married soon? Don’t forget to report it to your Central Oregon Car Insurance Company because they do care if you’re married since married drivers are seen as less of a risk on the road and they often pay less for car insurance than non-married drivers do.

Learn More

To learn more ways you can save money on Central Oregon Car Insurance, or 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.

What to Look for In a Sunriver Car Insurance Agent

What to Look for In a Sunriver Car Insurance Agent

Are you looking for a Sunriver Car Insurance Agent? If so, you’ve come to the right place.

In this article we will share with you several helpful tips that you can use for choosing the right Sunriver Car Insurance Agent.

Tip #1 – Make Sure They Are Located In the Area

Instead of choosing just any car insurance company online, make sure that the Sunriver, or Central Oregon Car Insurance Agent you choose is based in the local area because there’s nothing better than having the ability to stop by your agent’s office anytime you have a question, or want to pay your bill.

Tip #2 – Confirm That They Offer Discounts

Before signing with just any Sunriver Car Insurance Agent you should also verify that they offer discounts like a Safe Driver Discount or Bundle Discount if you combine your life insurance and other insurance policies with their company.

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Tip #3 – Verify the Sunriver Car Insurance Agent’s Reputation Online

Once you’ve been offered a great Central Oregon Car Insurance price you should then go online and verify that your Sunriver Car Insurance agent has a good reputation and has provided excellent service to their clients in the community.

Tip #4 – Make Sure You Feel Comfortable With Them

Another key to success with choosing a Sunriver Car Insurance Agent is feeling comfortable doing business with them because Central Oregon Car Insurance is an important asset than every driver in this area must have and you want to know that your agent is offering you the best value for your investment.

Get Central Oregon Car Insurance

To learn more about what to look for in a Sunriver Car Insurance Agent, or for affordable Central Oregon Car Insurance, contact the Farnsworth Agency today by calling us at (541) 318-8835

We specialize in Central Oregon Car Insurance and proudly service Sunriver, Bend, Redmond, Prineville, Madras and all of the greater Central Oregon area!

Sunriver Car Insurance Agent
Get a car insurance quote by clicking here!
Should You Get The Cheapest Car Insurance In Bend Oregon?

Should You Get The Cheapest Car Insurance In Bend Oregon?

Although you’re searching for the Cheapest Car Insurance in Bend Oregon one important thing to keep in mind is that cheap doesn’t always mean the best service especially when you need to use your car insurance should you get into an accident.

Before choosing a cheap car insurance company in Bend make sure you follow these tips.

Tip #1 – Verify Customer Service before Choosing an Insurance Company

One of the most important things to do before choosing a car insurance company is to verify that company’s customer service before you decide to choose them because they have the lowest rates.

You should choose a Bend Oregon Insurance company that has an office with a customer service agent that you can speak with normal business just in case you have a question that needs to be answered.

Cheapest Car Insurance In Bend Oregon

Tip #2 – Confirm the Car Insurance Coverage

Before signing up for the Cheapest Car Insurance In Bend Oregon you should also confirm the amount of car insurance that you will be getting for your money because cheap could also mean that you won’t have enough car insurance if you’re injured in a car accident and you will have to pay for the other costs related to your car accident out of pocket.

Vehicle insurance (also known as car insurancemotor insurance or auto insurance) is insurance purchased for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise there from. The specific terms of vehicle insurance vary with legal regulations in each region. To a lesser degree vehicle insurance may additionally offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from things other than traffic collisions, such as keying and damage sustained by colliding with stationary objects.

Source – Wikipedia

Tip #3 – Search for Feedback Online

Last of all, but most important, before choosing the Cheapest Car Insurance in Bend Oregon you should search for feedback online for the car insurance company you’re interested in doing business with because there should be feedback and reviews from a car insurance companies satisfied clients.

Get the Cheapest Car Insurance in Bend Oregon

For the Cheapest Car Insurance in Bend Oregon contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to connect with us online.

 

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Need a car insurance quote? Click here
Hitting The Road? Make Sure You Have The Right Amount Of Central Oregon Car Insurance

Hitting The Road? Make Sure You Have The Right Amount Of Central Oregon Car Insurance

Central Oregon Car Insurance - Farnsworth Agency Bend

Hitting the Road? Make Sure You Have the Right Amount of Central Oregon Car Insurance

One of the biggest mistakes people make every year before going on a road trip is to have the wrong amount of Central Oregon Car Insurance because they want to save money and will opt for cheap auto insurance or discount car insurance instead of driving with the most car insurance possible.

If you’ve been thinking about taking a road trip this article will provide you with information on the recommended car insurance amounts you should have, especially if you have assets and are serious about protecting your best interests should you get into an accident?

Recommended Central Oregon Car Insurance Amounts

In the state of Oregon you should have the following recommended amounts on your Central Oregon Car Insurance policy: 

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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 

The Things You Need To Know About Central Oregon Car Insurance

The Things You Need To Know About Central Oregon Car Insurance

Dodge Caravan

By Tye Farnsworth

BEND, Ore. – Are you planning on searching for more affordable Central Oregon Car Insurance? If so, you’ve come to the right place.

In this article we will provide you with things you need to know about Central Oregon Car Insurance so you can be better prepared to find the best car insurance deal regardless if you buy car insurance in Bend or elsewhere across Central Oregon.

Central Oregon Car Insurance Prices

Although you may be paying more for car insurance in Central Oregon right now than you should you can find a great deal on car insurance simply by taking the time to search online for multiple car insurance prices and then contact those insurance providers individually for price quotes.

Remember that the price you will eventually pay for Central Oregon Car Insurance will be based on your age, driving record and some companies may also offer you a higher or lower quote based on your marital status and credit score.

You can lower your car insurance premium by asking for a bundled rate or a price for having all of your insurance policies with the same company and you should also consider driving fewer miles per year as well to save on vehicle maintenance and insurance costs.

It Pays To Have Car Insurance

Did you know that one car accident can literally cost you tens of thousands of dollars to recover from? This is why it literally pays to have Central Oregon Car Insurance because most liability only car insurance policies cost less than $50 per month and any family can afford that.

Another great way to get a lower car insurance premium is to understand how your older vehicle will affect your car insurance premium:

  • An older car usually has a lower resale value, which can be helpful on states like South Carolina, where insurance is based on value of the car. In Florida, however, because an older car has fewer safety accommodations, the same car would be more expensive to insure than a new car.

  • High-end cars mean higher premiums. Particularly foreign cars that require dealer parts mean higher insurance rates because they cost more to repair.

  • Bigger motor means bigger cost. Cars with more powerful motors are designed for speed and, when you buy one, your insurance company assumes you plan to drive it fast and assesses your policy as a greater risk.

  • Theft risk matters. Insurance rates depend on a good many factors, even including the rate of theft for certain makes and models of car, independent of the actual value of the vehicle.

Source – Wikihow 

Get Central Oregon Car Insurance

To get an affordable car insurance quote contact the Farnsworth Agency today by CLICKING HERE or calling us at (541) 38-8835.

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.

 

Drivers missing out on car insurance savings

Drivers missing out on car insurance savings

Road Trip California

As the adage goes, you’d better shop around. But the results of a new survey show that many drivers are not heeding this advice.

According to insuranceQuotes.com, the average American hasn’t changed auto insurance companies in 12 years, and more than a third of U.S. drivers never shop for new insurance.

The study, which interviewed 1,000 adults and had a margin of error of plus or minus 3.6 percent, found that about 25 percent of drivers have been with the same insurance company for more than 16 years, and 7 percent for more than 30 years

Click here to continue reading!

Get A Central Oregon Car Insurance Quote

To get a Central Oregon Car Insurance quote contact us today a (541) 318-8835 or click here to connect with us online!

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 – Surprising Truths Your Car Insurance Agent Didn’t Tell You

Central Oregon Car Insurance – Surprising Truths Your Car Insurance Agent Didn’t Tell You

Central Oregon Car Insurance

 

By Farnsworth Agency

In 2015 every driver needs Central Oregon Car Insurance if they want to drive legally on the roads of Bend, Redmond, Prineville, Sunriver, Sisters or any other Central Oregon community but did you know that your car insurance premium doesn’t have to be expensive?

This blog post will share with you some surprising truths about car insurance which you may not have known and best of all you will learn more about how you can start saving money on car insurance today.

Car Insurance Truths

  • Premiums – Drivers between the age of 15 and 25 will pay 41% more for Central Oregon Car Insurance than drivers between the ages of 25 and 60.
  • Marriage – Married people in their twenties will pay up to 21% less for car insurance compared to other singles who are of the same age.
  • Gender – Thanks to an insurancequotes.com study we know that women actually pay up to 22% less for car insurance than men do but once a man reaches age 25 that 22% gap drops to just 3%.

How to Save Money on Car Insurance NOW

Okay, now that you know some basic car insurance truths, here’s how you can save money on Central Car Insurance starting now.

#1 – Bundle – If you’re over the age of 25 you may have multiple insurance premiums including: home, life and auto, the best way to save money on your Central Oregon Car Insurance premium is to bundle your insurance policies together with one insurance company.

#2 – ask for Discounts – Are you going to school or driving fewer miles this year than you did in years past? If so, don’t hesitate to ask for Central Oregon Car Insurance discount because, these discounts can amount to serious savings over the course of one year.

#3 – Review Your Policy – Let’s say you’re driving an older vehicle, you can save significant money on car insurance each year by reviewing your car insurance premium and go from paying for full coverage to a less expensive insurance policy.

Get Central Oregon Car Insurance

To get Central Oregon Car Insurance contact us today by calling (541) 318-8835 or CLICK HERE to connect with us online.

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