Learn to Find the Cheapest Car Insurance Rates From Agents in Roseburg

When buying car insurance in Roseburg, there are a lot of options and finding the best Oregon auto insurance agent takes more work than just picking up the phone. Most likely you’re wanting a friendly agent, but you also need great rates as well.

With companies like American Family, Allstate, State Farm and Farmers having offices in Roseburg, it’s hard to tell which will have the cheapest rates and the best coverage. Thankfully, it’s easy to use online quoting in order to build a list of agencies to choose from.

Roseburg agents for car insurance

Insurance agents can point out coverage gaps and help in the event of a claim. One of the best bonuses of price shopping on the web is the fact that you can find the best rates but also keep your business local. Supporting local insurance agencies is especially important in Roseburg.

To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is immediately sent to local insurance agents who will battle for your business. You never need to drive around due to the fact that quote results will go to the email address you provide. It doesn’t get any easier!

What type of Roseburg auto insurance agent is right for you?

If you’re trying to find a reliable agent, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Roseburg agents can either be captive or independent. Both types can properly insure your vehicles, but it’s good to learn how they differ because it can influence buying decisions.

Independent Agents

Independent insurance agents are not required to write business for one company but instead can place your coverage amongst many companies depending on which coverage is best. To transfer your coverage to a different company, the business is moved internally without you having to go to a different agency. When comparison shopping, it’s recommended you contact at least one independent agent to get the best comparison.

The following is a list of independent agencies in Roseburg willing to provide comparison quotes.

Hbw Insurance and Financial Svc – 836 W Military Ave # 201 – Roseburg, OR 97470 – (541) 440-4864
Richard K Moore Insurance Inc – 2621 NE Stephens St – Roseburg, OR 97470 – (541) 673-2755

Captive Insurance Agents

Captive agencies have only one company to place business with and some examples include AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They are unable to give you multiple price quotes so it’s a take it or leave it situation. Captive agents are well schooled on the products they sell which can be an advantage.

Below is a list of captive insurance agents in Roseburg willing to provide price quotes.

Allstate Insurance – 536 NE Winchester St # C – Roseburg, OR 97470 – (541) 677-0172
American Family Insurance – 2349 NW Stewart Pkwy – Roseburg, OR 97470 – (541) 673-5744
State Farm Insurance – 250 NE Garden Valley Blvd # 22 – Roseburg, OR 97470 – (541) 957-1831
Farmers Insurance Group – 836 W Military Ave – Roseburg, OR 97470 – (541) 672-8622

To view a complete directory of car insurance agents in Roseburg, visit this site.

Choosing an insurance agent needs to be determined by more than just the premium amount. Any agent should have no problem answering these questions:

  • If your car is totalled, how to they determine the replacement cost?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • If you have an accident, will your rates go up?
  • Who is covered by the car insurance policy?
  • Do they feel the quoted coverages are adequate?

Once you have reasonable responses to any questions you have as well as a affordable price, chances are good that you have found an insurance agent that meets your needs to adequately provide car insurance.

Aren’t online-only companies cheaper?

Insurance agencies are indespensible for some people, but you also have the option of buying direct from companies online. A few companies, such as State Farm, Allstate and Farmers, that are more known for using agents, also allow consumers to get quotes and purchase online, so keep that in mind and can also potentially find you lower rates.

If you’re uneasy about not getting proper coverage when buying direct, that should not be a issue. Auto insurance companies give you access to trained agents for customer questions. You may also access extensive coverage information and 24/7 assistance that you can use before buying.

best Oregon agent

Are car insurance rates lower online? It’s difficult to provide an answer due to the fact that there are many factors that determine your policy premium. It’s often assumed that a customer who purchases direcly from an online company cuts out the agent as a middleman. But the reality is getting their brand in front of customers is expensive and that can quickly cost more than paying an agent.

More quotes mean more savings

Consumers switch companies for many reasons like extreme rates for teen drivers, high prices, not issuing a premium refund and even being labeled a high risk driver. No matter why you want to switch, choosing a new company can be easier than you think.

Discount car insurance is definitely available on the web and also from your neighborhood Roseburg agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies may not provide online quoting and most of the time these smaller companies sell through independent agents.

More information can be read on the website for the Oregon Insurance Division located here. Oregon drivers can read state legal mandates and laws, file complaints about an insurance agent or broker, and view agent and company licensing information.