How to Get a Good Insurance Agent in Newberg

To find a licensed insurance agent in Newberg, it’s recommended you do the preliminary legwork on the web rather than picking up the phone. It’s assumed you’re looking for an excellent agent, but you also want the best rates possible.

With insurance companies like American Family, Allstate, State Farm and Farmers having local Newberg offices, it can be hard to know which will provide the best rates, service and coverage. To help decide, it’s easy to use online price quotes to get a list of insurance agencies to choose from.

Your local neighborhood insurance agent

Professional agents can answer important questions and help file insurance claims. One of the great benefits of comparing rates online is that you can obtain lower rates and still choose a local agent. And supporting local businesses is definitely important in Newberg.

Upon completion of this short form, your coverage information is emailed to agents in your area who will battle for your business. There is no reason to even leave your home as quotes are delivered directly to your email. How cool is that?!

Captive or Independent: There is a difference

When searching for a good insurance agency, you must know there are a couple different types of agents that you can select. Newberg agents are classified as either independent or captive. While both can write coverage properly, but it’s good to learn how they differ because it can influence buying decisions.

Independent Insurance Agents

These agents do not work for one specific company but instead can place your coverage with many different companies enabling the ability to shop coverage around. If you are not satisfied with one company, the business is moved internally and that require little work on your part. When comparison shopping, it’s a good idea to include multiple independent agents to get the best comparison.

Below is a list of independent agencies in Newberg that can give you competitive price quotes.

Kanno Insurance Svc – 506 E 1st St – Newberg, OR 97132 – (503) 538-9402
Mac Eghlidi Insurance – 2505 Portland Rd – Newberg, OR 97132 – (503) 538-1125

Agency Captives

Captive insurance agents write business for a single company like AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are unable to provide prices from multiple companies so it’s a take it or leave it situation. Captives are well schooled on the products they sell which can be an advantage.

Listed below is a short list of captive agents in Newberg that can give you comparison quotes.

Farmers Insurance Group – 1548 E 1st St – Newberg, OR 97132 – (503) 538-8898
American Family Insurance – 2855 Hayes St # 102 – Newberg, OR 97132 – (503) 554-1229

For a complete listing of Newberg captive agents, visit this link.

Choosing an insurance agent needs to be determined by more than just the premium amount. Some important questions to ask are:

  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Do they carry Errors and Omissions coverage?
  • How long has their agency been in business in Newberg?
  • Do they review policy coverages at every renewal?
  • Is their price quote a firm figure or are their hidden costs?

Once you have reasonable responses to all your questions and a low price estimate, you’ve probably found a car insurance agent that will properly insure your vehicles.

But what about Geico and Esurance?

Insurance agencies can be invaluable at times, but you can also buy Oregon car insurance direct online. A few companies like Allstate and State Farm who have local Newberg agents also give you the option to buy direct online. This is something to consider if you’re trying to lower your rates.

If you’re uncomfortable with whether or not you’ll have guidance when buying direct, this really isn’t an issue. Online car insurance companies give you access to trained agents to answer your questions.

Are car insurance rates lower online? Many people swear by it, but it’s difficult to answer since there may be dozens of rate factors that determine your policy premium. It’s a logical assumption that buying directly from the company saves the cost of an agent commission. For most online online companies, however, there are very high advertising costs and that can cost more than having to pay agents.

Newberg Oregon insurance agency

Compare but don’t skimp

Budget-conscious auto insurance is attainable online as well as from independent agents in Newberg, so compare prices from both so you have a total pricing picture. Some insurance providers don’t offer online price quotes and these small insurance companies work with independent agents.

While you’re price shopping online, it’s very important that you do not sacrifice coverage to reduce premiums. In too many instances, someone dropped uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at a price you can afford while still protecting your assets.

More information can be found on the website for the Oregon Insurance Division. Click here for link. Visitors are able to report car insurance fraud, find out which companies have the most complaints, file complaints about a company, and find out industry alerts.

Also read more on Wikipedia and this page where you can research Newberg insurance agents.