Tips for Searching for a Lake Oswego Auto Insurance Agent

If you’re looking for a good Lake Oswego agent, it’s recommended you start your research by comparing rates online rather than looking in the yellowpages. You require a good professional insurance agent, but also need cheap rates.

Popular companies such as Progressive, State Farm and Geico continually hit you with ad campaigns and consumers find it hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

Best way to find Lake Oswego agents

Professional agents can answer important questions and help in the event of a claim. One of the great benefits of comparing rates online is the fact that you can find the best rates and still choose a local agent.

To find an agent, once you fill out this short form, your information is emailed to local insurance agents in Lake Oswego who will give you bids to get your business. You don’t have to drive around since price quotes are sent immediately to your email address. It doesn’t get any easier!

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

  • Which insurance companies are they affiliated with?
  • Are they full-time agents?
  • Do they review policy coverages at every renewal?
  • How many years of experience in personal lines insurance coverages do they have?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Can they give you a list of client referrals?

Lake Oswego car insurance agents come in two flavors

If you’re trying to find local Lake Oswego agents, there are two different types of agents that differ in how they can insure your vehicles. Agencies in Lake Oswego are classified as either independent (non-captive) or captive. Both do a good job, but it’s good to learn how they differ because it can influence the selection process.

Captive Agents

Captive agents write business for a single company such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. Captives cannot give you multiple price quotes so keep that in mind. Captive agents are well schooled on their products and sales techniques which can be an advantage. Some consumers prefer to purchase coverage from captives mainly due to high brand loyalty and strong financial ratings.

Below is a short list of captive agencies in Lake Oswego willing to provide comparison quotes.

  • State Farm Insurance – 17690 Boones Ferry Rd – Lake Oswego, OR 97035 – (503) 636-7667
  • American Family Insurance – 15630 Boones Ferry Rd # 5 – Lake Oswego, OR 97035 – (503) 699-2575
  • Allstate Insurance – 410 1st St – Lake Oswego, OR 97034 – (503) 697-3333
  • Liberty Mutual Insurance – 4949 SW Meadows Rd # 650 – Lake Oswego, OR 97035 – (503) 639-6861
  • Farmers Insurance Group – 16325 Boones Ferry Rd # 100 – Lake Oswego, OR 97035 – (503) 697-7722
Independent Insurance Agents

Independent insurance agents are not locked into one company but instead can place your coverage with any number of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house and that require little work on your part. When searching for an agent, it’s a good idea to contact several independent insurance agents to have the most options to choose from.Many can place coverage with smaller companies which may provide better rates.

Shown below is a short list of independent agencies in Lake Oswego willing to provide comparison quotes.

  • Agency Insurance Svc Inc – 4000 Kruse Way Pl – Lake Oswego, OR 97035 – (503) 636-1266
  • Mutual Of Enumclaw Insurance – 4000 Kruse Way Pl # 3-200 – Lake Oswego, OR 97035 – (503) 635-6262
  • Avison Agency – – Lake Oswego, OR 97035 – (503) 699-5502
  • Nationwide Insurance – 2 Centerpointe Dr – Lake Oswego, OR 97035 – (503) 968-8900
  • Mortensen Agency – 623 Ridgeway Rd – Lake Oswego, OR 97034 – (503) 635-6542

To view a complete directory of licensed insurance agents in Lake Oswego, click here to link.

Once you have positive responses and an affordable coverage quote, chances are good that you have found an auto insurance agent that is a good match to provide auto insurance coverage.

You have the option to buy direct online

Car insurance agents are perfect for certain consumers, but you can also buy Oregon car insurance direct from companies online. Even companies like State Farm and Allstate who sell through the agent channel also give you the option to buy direct online, and consumers should do that if you’re trying to lower your rates.

If you’re apprehensive about whether or not you’ll have guidance when buying direct, that is normal but is not a big issue. Auto insurance companies that require consumers to choose their own coverages provide customer service for customer questions. Most companies also provide extensive coverage information and 24/7 assistance so you can feel comfortable buying online.

Will auto insurance cost less online? That is a tough question to answer since there are so many factors that influence the price you pay. It’s a logical assumption that purchasing direct online saves money because there is no commission. In many cases, promoting brand recognition is pricey and that impacts the rates consumers pay.

Additional detailed information can be found at the Oregon Insurance Division website. Visitors are able to view a list of available companies, view agent and company licensing information, and read state legal mandates and laws.

Lake Oswego agents

Smart shoppers get results

Consumers change insurance companies for a variety of reasons including high rates after DUI convictions, being labeled a high risk driver, denial of a claim or even delays in responding to claim requests. It doesn’t matter what your reason, finding a great new company can be easier than you think.

Cheap auto insurance can be found both online in addition to many Lake Oswego insurance agents, and you need to price shop both to have the best chance of lowering rates. Some companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.