To find a licensed insurance agent in Tigard, you can do an initial search by getting online comparison quotes instead of calling around. Chances are you’re looking for an excellent agent, but you also want great rates as well.
With companies like American Family, Allstate, State Farm and Farmers having local Tigard offices, consumers have a hard time knowing which will give you the lowest rates and best service. To help decide, you can use online quotes in order to build a list of insurance agencies to choose from.
How to compare Tigard auto insurance rates
Professional agents are trained to spot inefficiencies and help submit paperwork. The best thing about price shopping on the web is that you can obtain better rates and still have an agent to talk to. And providing support for local agencies is important especially in Tigard.
To find an agent, once you fill out this simple form, your insurance data is transmitted to companies in Tigard who will give you bids for your insurance coverage. You don’t have to leave your computer since price quotes are sent to the email address you provide. Now that’s easy!
Is a captive or independent car insurance agent right for you?
If you’re trying to find a good insurance agency, there are two different agency structures from which to choose. Agents are categorized either independent or captive. Both types can do a good job, but it’s worth learning the differences since it can impact buying decisions.
Independent Agencies or Brokers
Independent insurance agents are not employed by any specific company but instead can place your coverage with lots of companies depending on which coverage is best. To transfer your coverage to a different company, an independent agent can move your coverage and you don’t have to find a new agent. When comparing rates, it’s a good idea to contact multiple independent agents for maximum quote selection.
Below is a list of independent agencies in Tigard that are able to give competitive price quotes.
Glenn Horton Insurance – 12194 SW Scholls Ferry Rd – Tigard, OR 97223 – (503) 590-4440
Jeff Solem Agency – 7160 SW Hazelfern Rd # 800 – Tigard, OR 97224 – (503) 601-2078
Horace Mann Insurance Co – 6650 SW Redwood Ln – Tigard, OR 97224 – (503) 598-3029
Captive Insurance Agents
Captive agents can only write with one company and some examples include AAA, State Farm, Farmers Insurance and Allstate. These agents are unable to compare other company’s rates so they have no alternatives for high prices. Captive agents are usually quite knowledgeable on the products they sell which helps them compete with independent agents.
Listed below are Tigard captive insurance agents who can help you get price quotes.
State Farm Insurance – 11525 SW Durham Rd # D4 – Tigard, OR 97224 – (503) 620-8020
Allstate Insurance – 12520 SW 68th Ave # A – Tigard, OR 97223 – (503) 620-5999
American Family Insurance – 12202 SW Main St – Tigard, OR 97223 – (503) 639-2169
Farmers Insurance Group – 6969 SW Hampton St – Tigard, OR 97223 – (503) 684-5557
For a complete listing of captive insurance agencies in Tigard, simply jump to this page.
Selecting an insurance agent needs to be determined by more than just the bottom line cost. Some important questions to ask are:
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Are claim adjusters local or do you have to take your car somewhere else?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Are there any discounts that you might be missing?
- Are they properly licensed to sell insurance in Oregon?
- What insurance companies do they recommend if they are an independent agent?
- What will you get paid if your car is a total loss? How is that amount determined?
Upon getting acceptable answers for all questions you ask and a low price estimate, you may have just found an insurance agent that will properly insure your vehicles.
Online car insurance companies
Insurance agents are perfect for certain consumers, but Oregon car insurance can also be bought from companies direct over the internet. Some companies who employ agents also allow consumers to buy online, and online price comparisons are easy.
If you’re concerned about not having an agent to talk to, that is quite common when buying online the first time. Auto insurance companies that allow you to purchase coverage provide toll-free numbers for getting the best coverage. In addition, they usually offer help pages and frequently asked questions to make it easier to purchase.
Does buying online save money? That question is hard to answer because there are many factors that influence your rates. Some people will tell you that purchasing direct online saves money by not requiring a commission. In many cases, it’s expensive to advertise and that can cost more than having to pay agents.
The only way to determine whether prices are lower online or from agents is to set aside time to compare rates from both. You may actually get a different price from the same company when they get quotes from both. But it’s impossible to know if the lower rates are from agents or online until you actually compare rates utilizing both methods.
More Oregon auto insurance resources
Additional information can be found on the website for the Oregon Insurance Division. Click here for link. Oregon consumers can download brochures, find a variety of consumer forms, and get help finding coverage.
When buying insurance coverage, you should never buy less coverage just to save a little money. In too many instances, drivers have reduced uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. Your focus should be to buy the best coverage you can find at an affordable rate.
Drivers leave their current company for many reasons like policy cancellation, not issuing a premium refund, being labeled a high risk driver and even denial of a claim. It doesn’t matter what your reason, switching companies is pretty simple and you could end up saving a buck or two.