Selecting a car insurance company in Eugene, OR can be time consuming since there are a lot of options and selecting the best Eugene insurance agent for your needs takes more work than just randomly choosing from the yellow pages. Consumers require a decent agent, and also the best possible price.
Big-name insurance companies like GEICO, Farmers Insurance and State Farm increase brand awareness with ad campaigns and it is challenging if not impossible to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.
Save time by quoting online
Educated insurance agents can answer important questions and help you file claims. The best thing about getting online price quotes is you can get lower rates and still choose a local agent.
After filling out this form (opens in new window), the quote information is instantly submitted to local insurance agents in Eugene who will battle to get your business. There is no need to leave your house because quoted prices will be sent immediately to your email address. It doesn’t get any easier!
Choosing an auto insurance agent shouldn’t rely on just the premium amount. Here are some questions to ask:
- How much can you save by raising your physical damage deductibles?
- Which members of your family are coverage by the policy?
- Does the agency provide any after hours assistance?
- What are the financial ratings for the companies they represent?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Can glass repairs be made at your home?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
Is a captive or independent insurance agency right for you?
If you’re trying to find a reputable insurance agent or broker, there are two types of insurance agents that you can select. Insurance agencies in Eugene are categorized either captive or independent. While both can do a good job, but it’s good to learn the differences since it can impact the type of agent you choose
Captive Insurance Agents
Captive agents can only place business with one company such as Liberty Mutual, State Farm, Allstate and AAA. Captives cannot shop your coverage around so they have no alternatives for high prices. Captive agencies receive extensive training on the products they sell which helps them compete with independent agents. Consumers often buy insurance from these agents mostly because of high brand loyalty and strong financial ratings.
Shown below are captive agents in Eugene that can give you rate quotes.
- State Farm Insurance – 2644 River Rd – Eugene, OR 97404 – (541) 689-0012
- American Family Insurance – 4730 Village Plaza Loop # 110 – Eugene, OR 97401 – (541) 683-6064
- Liberty Mutual Insurance – 1020 Green Acres Rd # 6 – Eugene, OR 97408 – (541) 344-1836
- Farmers Insurance Group – 2101 Bailey Hill Rd # I – Eugene, OR 97405 – (541) 687-0884
- Allstate Insurance – 390 Coburg Rd # F – Eugene, OR 97401 – (541) 344-5726
Independent Insurance Agents
Independent agencies are not locked into one company but instead can place your coverage with any number of different companies depending on which coverage is best. To transfer your coverage to a different company, the business is moved internally and that require little work on your part.
When comparing rates, we recommend you include price quotes from at least one independent agent for the best price selection.Many can place coverage with lesser-known insurance companies which may provide better rates.
The following is a list of independent agencies in Eugene that can give you rate quotes.
- All Risk Auto Insurance – 1144 Willagillespie Rd # 6 – Eugene, OR 97401 – (541) 672-3959
- Crown General Agency – 1631 Oak St – Eugene, OR 97401 – (541) 342-1721
- Bernie Dorsey Agency – 50 Oakway Ctr – Eugene, OR 97401 – (541) 431-4486
- Courtnage Finance and Insurance – 438 Charnelton St # 103 – Eugene, OR 97401 – (541) 683-7402
- Rod Schultz Agency Inc – 2677 Willakenzie Rd # 6 – Eugene, OR 97401 – (541) 343-8582
To view a complete directory of car insurance agents in Eugene, please go to this site.
Once you have received satisfactory answers to all your questions and an acceptable price quote, most likely you have located a car insurance agent that will properly service your car insurance policy.
Isn’t it cheaper to buy direct online without an agent?
Insurance agents can be invaluable at times, but you can also buy Oregon car insurance direct over the internet. Some specific companies, such as State Farm, Allstate and Farmers, who have local Eugene agents also permit you to buy direct online, so keep that in mind.
If you’re apprehensive about having to choose coverages yourself when buying online, this is expected but don’t let that bother you. Car insurance companies that require consumers to choose their own coverages provide access to licensed agents to answer any questions you may have. Consumers also can use live help and 24/7 access you can access prior to buying.
If the lowest price is important, the best way to know if the cheapest policy comes from an agent or online is to get rates from both and compare them. Even though it sounds odd, people frequently get different pricing from the same insurance company from their agents and their website. You won’t know if the lower rates are from agents or online until after you compare the same coverages for both.
Are online rates lower? The answer is complex since companies use quite a few components that influence how your policy is priced. Common logic is that buying car insurance online saves money by not requiring a commission. But in reality, there are very high advertising costs so this can offset any savings.
Quote more, save more
People who switch companies do it for many reasons like high prices, delays in responding to claim requests, extreme rates for teen drivers and even an unsatisfactory settlement offer. Whatever your reason, finding a new car insurance company is less work than it seems.
As you shop your coverage around, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced physical damage coverage only to discover later that it was a big mistake. Your strategy should be to find the BEST coverage at the best price while not skimping on critical coverages.
Even more information is located at the Oregon Insurance Division website. Oregon consumers can find disaster information, file complaints about a company, and read enforcement actions against agents and companies.