How to Compare Car Insurance Rates From Oregon City Insurance Agencies

If you’re trying to find a good Oregon City agent, we recommend you begin your search on the internet instead of making phone calls. You require a good agent, but also need cheap rates.

Consumers have many car insurance agents to purchase coverage from, and although it’s nice to have multiple companies, having more insurance agents makes it harder to find the lowest cost provider.

Neighborhood insurance agents

Licensed agents are trained to spot inefficiencies and help in the event of a claim. One of the great benefits of price shopping on the web is you can get better rates but also keep your business local.

After filling out this form (opens in new window), your coverage information is instantly submitted to local insurance agents in Oregon City who will battle to get your business. You don’t have to leave your computer since price quotes are sent to the email address you provide. How cool is that?!

Picking an insurance agency should depend on more than just a low price. Any agent should have no problem answering these questions:

  • Does the agency provide any after hours assistance?
  • How long has their agency been in business in Oregon City?
  • Does the agency have a good rating with the Better Business Bureau?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Can glass repairs be made at your home?
  • Will your rates increase after a single accident?
  • If you are a high risk driver, do they have special markets for your coverage?

Multiple types of insurance agents in Oregon City

When searching for a reliable agent, there are a couple of types of agencies from which to choose. Insurance agencies in Oregon City can either be independent or captive. While both can insure your vehicles, but it’s worth mentioning the differences because it can impact buying decisions.

Captive Insurance Agents

Captive insurance agents can only place business with one company and examples are Liberty Mutual, Allstate, Farmers Insurance or State Farm. They are unable to compare other company’s rates so they are skilled at selling on more than just price. Captive agents are usually quite knowledgeable on their company’s products which helps them sell insurance even at higher premiums. Some consumers prefer to buy insurance from these agents partially due to the prominence of the brand and the convenience of having all coverages with one company.

Below are Oregon City captive insurance agencies that can give you rate quotes.

  • State Farm Insurance – 19715 S Highway 213 – Oregon City, OR 97045 – (503) 518-7100
  • American Family Insurance – 956 Molalla Ave – Oregon City, OR 97045 – (503) 723-7707
  • Farmers Insurance Group – 1709 Washington St # 2 – Oregon City, OR 97045 – (503) 655-2512
  • Allstate Insurance – 914 Molalla Ave # 102 – Oregon City, OR 97045 – (503) 657-3270
Independent Agents (or Brokers)

Independent insurance agents are not locked into one company so they can insure your vehicles with any number of different companies and potentially find a lower price. If you are not satisfied with one company, they simply move the coverage in-house and that require little work on your part. When shopping rates, we recommend you include multiple independent agents to have the most options to choose from. They also have the ability to place coverage with different regional companies who may have lower rates.

Shown below is a list of independent insurance agencies in Oregon City who can help you get comparison quotes.

  • Stacy Spahr Insurance – 365 Warner Milne Rd – Oregon City, OR 97045 – (503) 632-7001
  • Stacy Spahr Insurance Inc – 617 High St # 205 – Oregon City, OR 97045 – (503) 722-0600

To view a full list of Oregon City insurance agents, please go to this site.

Once you have reasonable responses to any questions you have and locked in a price quote, it’s possible that you found an insurance agency that is a good match to provide car insurance coverage.

Don’t forget about online companies

Insurance agents serve a purpose, but Oregon drivers can also buy direct from companies online. Even companies, such as Farmers Insurance and State Farm, who have local Oregon City agents also allow you to quote and buy online. This is something to consider to possibly find a better rate.

If you’re apprehensive about choosing your own coverages, don’t let it bother you. Online companies have toll-free phone numbers and other options you can use to get advice on coverages.

Are car insurance rates lower online? It’s difficult to say for sure because there are so many things that influence the price you pay. It would make sense to think that a shopper who purchases direct saves the commission normally paid to an agent. In many cases, promoting brand recognition is pricey so there may not be significant savings.

More consumer information in Oregon

More tips and info about car insurance is available at the Oregon Insurance Division website. Consumers can read enforcement actions against agents and companies, discover disciplinary actions, learn about specific coverages, and read state legal mandates and laws.

Oregon City car insurance agent

One last thing about your coverage

When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where an insured cut physical damage coverage and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

Cheap car insurance can be bought both online as well as from independent agents in Oregon City, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers don’t offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.