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Auto Insurance Information
Auto Insurance in Portland, Oregon
There are probably few possessions in your life that are as valuable to you as your vehicle. Just by getting behind the wheel, however, you will face risk scenarios that could cause both you and your vehicle substantial and expensive harm. You need customized auto insurance to be there to pick up the pieces when these accidents occur.
For assistance getting the auto insurance that is best for you, contact Arnold Bruce & Doerfler Insurance at (503) 222 – 1951 or click here for your free quote.
Common Auto Insurance Questions
Why is auto insurance important?
Not only is driving dangerous, but simply owning a car also poses its financial risks. You never know when a problem—wrecks, fires, theft or severe weather—might arise, damage your vehicle and force you to face the prospect of picking up the pieces. Auto insurance will be there to help you afford your recovery costs, and won’t force you to bear the entire financial burden all on your own.
How much auto insurance coverage do I need?
Your auto policy can offer several types of coverage to assist you with meeting this goal. These include:
Collision insurance: This covers damage to your own vehicle that you sustained in a wreck.
Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
To further customize your benefits, you can also enroll in coverage like:
When do I need to get coverage?
By law, Oregon drivers are required to carry auto insurance that includes at least the following benefits:
$50,000 bodily injury liability insurance per accident
$20,000 property damage liability insurance per accident
$15,000 PIP coverage
$25,000 uninsured motorist bodily injury coverage per person
$50,000 uninsured motorist bodily injury coverage per accident
Drivers who do not have mandatory coverage are not legally allowed to operate a vehicle, and you must be insured from the day you become a licensed Oregon driver.
How much does auto insurance cost?
We understand that you want to keep your auto insurance rates affordable, but you shouldn’t have to sacrifice crucial benefits just to get a low premium. Our agents are committed to helping every client select the policy from within our network of carrier partners that will offer them both optimized benefits and affordability.
If cost is a concern to you, just contact one of our auto insurance experts today. You’ll be glad you did.