Insurance may not always be your top priority. As a resident of Oregon, you have a multitude of activities, responsibilities, and adventures to pursue. From the mountains to the sea, the desert to and farmland, this is a rich and diverse place to call home. You may be a skier, a boater or own an ATV. You may rent your home or own it and you might also be a business owner. All of these activities and responsibilities make insurance a good investment in your peace of mind.
A professional independent agent can help you find the right Oregon insurance program by accessing multiple markets on your behalf. Your best bet is to contact a member agent of the Trusted Choice® network for Oregon insurance quotes that fit your needs at a cost you can afford. Oregon has 226 agents in the Trusted Choice network so you should have no trouble finding an agent near you.
When you shop for insurance, you should be aware that there are two different types of agents available for you to work with.
Captive agents represent only one company and can offer you products from just that market. They commonly represent big-name insurance companies that you might see commercials for on television.
Independent agents, on the other hand, represent multiple companies. They have many more options to address your insurance needs, and you can compare quotes before you select the coverage that's right for you. An independent agent can compare Oregon insurance quotes from multiple markets and offer you the coverage that is right for your specific needs and budget.
Which would you prefer? One quote from one company, or the ability to evaluate quotes from many markets? Only an independent agent can offer you that flexibility.
Oregon state law requires the following minimum automobile insurance limits:
Oregon is a modified "no fault" insurance state. In cases of minor personal injury, policyholders will turn to their own policy for indemnification under the policy's personal injury protection (PIP). In cases involving more serious injury, it is still possible to make a liability claim against another at fault driver.
In any case, the minimum limits are not adequate to protect a driver against a claim involving serious injury, and most people carry much higher limits. In addition to the coverages above, a complete automobile policy will provide coverage for:
If you own your home, it's a good idea to secure insurance protection for loss and liability claims involving your property. A standard homeowners policy provides for full replacement coverage on your home, but many policyholders fail to take advantage of this benefit because they do not insure the home for its total replacement cost. A typical homeowners policy will provide the following coverages:
There are some limitations and exclusions of which you should be aware:
If you would like additional protection in these areas talk to your agent about available riders to the policy or obtaining separate coverage.
Designing a business insurance program can be a complex undertaking and it is definitely a job for a professional. If you work with an independent agent you be able to access several Oregon insurance quotes for your company's protection. Most businesses will need the following basic coverages:
These are basic coverages that every business can consider. If you have any unusual exposures, they will have to be handled separately.
There are several reasons you might want to buy life insurance in Oregon:
Life insurance comes in several different types like term, whole life or universal life. There are individual plans and group plans. You need to work with an agent who understands your needs and understands the market in order to get the right product at the best rate. An independent agent in the Trusted Choice network can help you.
With the implementation of the Affordable Care Act, there are many changes to the U.S. health insurance market. If you want coverage for yourself, you might be in one of several situations:
If you choose to shop the open market, you may be able to access some companies directly on line, but in other cases you will have to go through an agent. However you acquire coverage you should be aware that as of January 1, 2014 if your policy does not met the minimum requirements of the ACA or if you have no coverage at all, you are subject to a fine.
If you are seeking group coverage as part of your overall employee benefit plan, then you need to work with an agent who understands the many complexities of the modern health insurance market.
From the Pacific Ocean to the Columbia River to many inland lakes and streams, Oregon offers numerous boating opportunities to natives and visitors alike. Whether you own a salt water yacht or a white water raft, you need to be sure that both you and your vessel are properly insured.
Oregon requires any boat with a motor and any sailboat 12 feet or longer be registered and titled. There is no requirement to carry insurance, but you would be foolish to go on the water without proper protection. A typical boat policy will offer the following coverages:
Be aware that many watercraft policies have usage restrictions. For example, your policy may cover you only on inland waters. If you have such a policy and want to venture onto salt water, be sure and contact your agent first.
Life is full of risks. You may be a single renter with one car or you may have a large family with a home and multiple vehicles. You may own a boat, an ATV or a snomobile. You could also be a business owner. Whatever your circumstances, you need a full insurance plan drawn by a professional to protect your life, your health and your assets.
A member agent of the Trusted Choice network can offer you solutions to all your Oregon insurance needs. With 226 Trusted Choice member agents in Oregon you should have no trouble finding one near you. Contact a Trusted Choice independent agent today.