Lower Rates from Medford Car Insurance Agencies

To find a licensed insurance agent in Medford, it’s recommended you start your research for an agent online instead of calling around. You need a friendly agent, and also the best possible rates.

With so many insurance companies to choose from, it’s nearly impossible to pick the most cost effective provider.

Neighborhood insurance agents

Licensed agents are trained to spot inefficiencies and help submit paperwork. The best thing about getting online price quotes is that you can obtain lower rates but also keep your business local.

To help locate an agent, after submitting this quick form, your insurance data is immediately sent to participating agents in Medford who will battle for your business. There is no reason to even leave your home because quoted prices will be sent directly to your email. How cool is that?!

Picking an insurance agent requires more thought than just the premium amount. Ask your prospective agent these questions:

  • Are they able to influence company decisions when a claim is filed?
  • Do the coverages you’re quoting properly cover your vehicle?
  • How much will you save each year by using a higher deductible?
  • Do they assist clients in filing claims?
  • Can they give you a list of client referrals?

The different types of insurance agents

When searching for a reputable insurance agent or broker, there are a couple of types of insurance agents to choose from. Medford agents can either be captive or independent (non-captive). While both can properly insure your vehicles, but it’s good to learn how they differ because it can impact the selection process.

Captive Insurance Agents

Captive agencies can only write with one company like Allstate, Farmers Insurance, State Farm and AAA. They are unable to compare other company’s rates so it’s a take it or leave it situation. They are very knowledgeable on their company’s products which helps them compete with independent agents. Some consumers prefer to purchase coverage from captives mostly because of loyalty to the company and the convenience of having a single billing for all their coverages.

Below is a short list of captive agents in Medford that are able to give rate quotes.

  • Farmers Insurance Group – 841 W Stewart Ave – Medford, OR 97501 – (541) 245-1200
  • Allstate Insurance Co – 716 E Jackson St – Medford, OR 97504 – (541) 857-2921
  • American Family Insurance – 1133 S Riverside Ave # 26 – Medford, OR 97501 – (541) 773-4573
  • State Farm Insurance – 2382 Jacksonville Hwy # B – Medford, OR 97501 – (541) 776-8466
Independent Agencies or Brokers

Independent agencies are not required to write business for one company but instead can place your coverage with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, the business is moved internally and you don’t have to find a new agent. When comparing rates, it’s recommended you include price quotes from several independent insurance agents for maximum quote selection. Many write coverage with lesser-known insurance companies who may have lower rates.

Below is a short list of independent insurance agents in Medford willing to provide price quote information.

  • Lyle Mc Caw Agency – 1242 N Riverside Ave – Medford, OR 97501 – (541) 858-2582
  • Country Insurance – 711 Bennett Ave – Medford, OR 97504 – (541) 779-8893
  • Al Carpenter Agency – 547 Oakdale Dr – Medford, OR 97501 – (541) 779-4019
  • Martin Insurance – 2745 N Pacific Hwy – Medford, OR 97501 – (541) 858-1973
  • Keith Skinner Agency – 836 E Main St # 2 – Medford, OR 97504 – (541) 776-0673

For a full directory of licensed insurance agents in Medford, visit this link.

After receiving satisfactory answers for all questions you ask in addition to an acceptable price estimate, you may have just found a car insurance agent that meets your needs to insure your vehicles.

But what about Geico and Esurance?

Auto insurance agents are important, but Oregon car insurance can also be bought direct from companies online. Some specific companies like State Farm and Allstate who have local Medford agents also permit you to get quotes and purchase online, so keep that in mind.

If you’re concerned about not having professional advice when buying car insurance direct, that shouldn’t be an issue. Auto insurance companies all provide contact methods to answer any questions you may have.

Do online companies have better rates? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because there are many components that impact your rate calculation. It would make sense to think that a shopper who purchases direct cuts out the agent as a middleman. For most online online companies, however, promoting brand recognition is pricey and that can cost more than having to pay agents.

A tidy conclusion

As you restructure your insurance plan, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Affordable car insurance can be found on the web and also from your neighborhood Medford agents, so compare prices from both in order to have the best price selection to choose from. A few companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

quotes for Medford Oregon insurance

For more Oregon car insurance information

Even more information can be found at the Oregon Insurance Division website. Visitors are able to find out which companies have the most complaints, read industry bulletins, get help finding coverage, and find a variety of consumer forms.

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