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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.

Why Is Gap Car Insurance Important?

Why Is Gap Car Insurance Important?

If you have taken out an auto loan or lease before, you may have been recommended gap insurance. Gap insurance, or gap coverage as it is called sometimes, is essentially a debt termination agreement you purchase to cover the cost of totaling a loaned or leased car. Sometimes accidents happen, and sometimes they are particularly bad. If you total a car, there is no way to repair it, and if you have collision insurance on your policy your insurance company reimburses you for the cost of the car. The amount you are reimbursed however is the value of the car at the time of the accident. When you lease or loan, you are paying for the value of the car when you first get it. It is highly likely your car would have depreciated, or lost value, significantly by the time you total it. The difference between the value of the car when you bought it, and the value at the crash is the ‘gap’, and gap insurance pays for it.

Should You Get Gap Insurance?

Not everyone needs or should have gap insurance. If you completely own the car you drive, there is no need for gap insurance. Only those who finance or lease their car should have gap insurance, and even amongst those drivers, only a certain few should buy gap insurance. Gap insurance is meant for drivers who take out a loan that is close to the value of the entire car, take out a long loan/lease, do not put any down payment and/or your car is worth a lot of money. If one or more of those conditions apply to you, you should strongly consider gap insurance. The reason being, all of those profiles make it likely for a driver to be ‘upside down’ on their car payments.

To be ‘upside down’ on a car payment means you currently owe more than what the car is actually worth. That may seem counterintuitive, after all, how can a loan or lease become worth more than the car? The answer is depreciation. New cars can lose as much as 30% of their value in the first year. If you have a five year loan on the other hand, you likely would have only paid off less than 20% of it within a year. Simply, your car loses value faster than you can pay back your lease or loan. As time goes on that gap widens. Drivers with a large loan close to the value of car make it more likely to be upside down. As well, if you take a long loan, your monthly payments tend to be smaller, meaning you are paying back your loan slower. 

Learn More About Gap Car Insurance Here

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For the lowest rates on gap car insurance contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to connect with us online

 

The Car You Drive Can Be Driving Up Your Car Insurance Rates

The Car You Drive Can Be Driving Up Your Car Insurance Rates

Whenever you fill out a car insurance quote form your company asks for a bunch of info, the type of car you drive being one of them. If you drive a luxury sports car, you are probably going to be paying more than someone who drives a Toyota Camry. To the insurance companies, pricing is all about risk. In their eyes the person who drives the sports car is going to be riskier than the one in the Toyota Camry. So how much of a difference does it make?

The Models That Cost the Most to Insure

In an analysis of about 70 of the most popular car models in the U.S. we found that cars like the Chevy Camaro and Acura MDX were toward the more expensive end to insure. About 13% more expensive than the cheapest model, a Toyota Tundra. Other cars which may be surprising were also on the more expensive side of the rankings. Cars like the Ford Fiesta, and Honda Fit were in the top 5 most expensive cars to insure in our study. So why are these cars more expensive? It all comes down to actuarial science.

Actuarial science is the science of risk. Insurance companies employee these large and complex formulas to determine who is most likely to get into an accident, thus costing the insurance company money. When drivers of a certain car keep getting into accidents, all drivers of that car may have to start paying more to insure that vehicle. We found there was actually only a slight correlation between the value of a car and how much it cost to insure. In addition to accidents, a relevant factor was how often the eyes of thief fall on a car. A stolen car is very expensive to replace, and cars that get stolen often are usually more expensive to insure. The Honda Accord for example, though an averaged price car, is stolen often, most likely leading to it being one of the more expensive cars to insure.

Learn More Here!

Get Affordable Car Insurance!

For an affordable car insurance quote 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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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!

Car Insurance Scams To Watch Out For

Car Insurance Scams To Watch Out For

By Tye Farnsworth

BEND, Ore. – It doesn’t matter if you live in Central Oregon, or elsewhere across Oregon, there are many car insurance scams out there that you have to watch out for including “ghost broker” scams.

What Is A Ghost Broker?

A ghost broker is often an individual who will set up a fake office online which will look real. These offices typically include an 800 number, physical address, and website address.

What’s shocking about ghost broker’s is that they have this car insurance scam down to a science and even have a real sounding office when you call their 800 number thanks to background sounds which can be downloaded to an iPod from the Internet.

Car Insurance Scams

Car Insurance Scams Exposed

A more well-known insurance scam is “cash for crash”, in which motorists with valid policies are targeted by criminals who stage accidents to claim on insurance. A variant is the “flash for cash” in which criminals – with the right of way – flash their headlights to encourage innocent drivers to keep going before plowing into them.

Then there’s the “swoop and squat” scam, which involves two cars. The “swoop car” cuts up the “squat car”, which brakes heavily and causes an innocent motorist to crash into the back of it, then drives off before anyone can make a note of its details.

Criminals often look for elderly or lone women drivers as potential victims, along with operators of commercial vehicles.

How to Protect Yourself from Car Insurance Scams

The best way to protect yourself from Car Insurance Scams is to verify that a car insurance company is legitimate before you sign a policy with them. One of the best ways to do this us by researching their business address online to see if it’s a physical address or mailbox, them reviewing the business on websites like Yelp or Facebook to see if any clients have left the business feedback or not.

Get an Insurance Quote Here

At the Farnsworth Agency, we’re experienced car insurance agents who are part of Central Oregon. You can find out office at 1900 NE Division St Ste 111, Bend, OR 97701, CLICK HERE to connect with us online or call us at (541) 318-8835.

Renewing Central Oregon Car Insurance? Here Are 3 Tips That Will Save You Money

Renewing Central Oregon Car Insurance? Here Are 3 Tips That Will Save You Money

By Tye Farnsworth

BEND, Ore. – Are you planning on renewing your Central Oregon Car Insurance? If so, before renewing your policy here are 3 things that will help you to save money on car insurance.

#1 – Choose a Higher Deductible

If you have a clean driving record and have never had to use your Central Oregon Car Insurance premium before you should consider choosing a higher car insurance deductible because depending on your car insurance company you can potentially save $100 or more per year from your insurance costs.

Before choosing this option it’s important to keep in mind that your Central Oregon Car Insurance will not kick in until you’ve paid your full deductible so it’s important to have that money for paying your deductible just in case you need to use your car insurance policy.

#2 – Ask For a Bundle Discount

The next thing you should do before renewing your Central Oregon Car Insurance premium is to ask for a bundle discount because, many companies will offer you discounts for bundling your home, auto, life and car insurance policies with the same company. This is one of the easiest ways to save money on what you would pay for insurance.

Some of the other discounts you should ask for include: safe driver, low mileage, and good student discount.

#3 – Choose Reduced Coverage for an Older Vehicle

Do you drive a vehicle that’s older than 10 years old? If so, you should choose reduced Central Oregon Car Insurance coverage for your vehicle because some insurance companies may not pay the full replacement value for the vehicle and it also makes sense to choose reduced coverage especially if you’ve had a safe driving record over the last 10 years and don’t need full coverage car insurance.

Learn More

To learn more ways you can save money on Central Oregon Car Insurance, or to get an insurance quote, contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to connect with us online.

Tips To Save Money on Central Oregon Car Insurance

Tips To Save Money on Central Oregon Car Insurance

Get A Car Insurance Quote – Click Here!

By Tye Farnsworth

BEND, Ore. – Are you searching for ways to save money on Central Oregon Car Insurance? If so, you’ve come to the right place!

Ask any driver and they will tell you that they want to save money on car insurance because nobody likes to spend more than they should on insuring their vehicle. Sadly, most drivers will overspend on car insurance because they don’t know that they can save money, that’s why in this article we will offer you simple tips for saving money on car insurance.

Tip #1 – Check Central Oregon Car Insurance Rates Annually

It doesn’t matter if you have Insurance Bend Oregon or Allstate Insurance, you should check Central Oregon Car Insurance rates annually because rates change every year and it doesn’t make sense to continue staying with the same insurance provider especially if you can cut hundreds of dollars per year off your car insurance bill.

Tip #2 – Choose a Top Rated Insurer

It doesn’t matter if you live in Bend, Redmond, Prineville or the surrounding area in Central Oregon; you owe it to yourself to choose a top rated insurer who will offer you the best Central Oregon Car Insurance possible for the lowest rates.

Before choosing an insurer you should review them online FIRST to make sure that their company has plenty of feedback from actual customers because “social proof” will give you confidence that you’re choosing the right car insurance company and negative online feedback can save you the hassle of choosing the wrong insurer.

Tip #3 – Pick the Right Deductible

Did you that if you choose a higher Central Oregon Car Insurance deductible you will be able to lower your car insurance premium by as much as 30%? This is a smart move to make especially if you haven’t had an accident and are a safe driver but it’s important to remember that if you choose this option you must be prepared to pay the full deductible before your car insurance kicks in.

Tip #4 – Ask For Discounts

Central Oregon Car Insurance discounts are an excellent way for you to save money on car insurance every month. You shouldn’t hesitate to ask for discounts including the safe driver, a good student, and a bundle discount because discounts are another excellent way for you to save hundreds on your car insurance premium every year.

Get Central Oregon Car Insurance

To get the most affordable Central Oregon Car Insurance contact me, Tye Farnsworth, by calling me at (541) 318-8835 or click here to connect with me online.

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.

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