Understanding Personal Auto Insurance Coverage in Portland, Oregon

Whether we like it or not, we all have to get auto insurance to insure our vehicles. However, while auto insurance is required, the plan and coverage you receive is completely up to you. Many Americans do not have the time or expertise required to get the perfect policy that will match their needs and budget. That is why seeking the help of a local insurance agent will help you find the perfect personal auto insurance coverage in Portland, OR that fits your needs the best.

Here at Mt. Hood Insurance, we pride ourselves on providing knowledgeable and professional service to all our customers. We take the time to sit down with our customers to understand their needs so we can provide a more personal experience to insurance shopping.

If you are interested in receiving a quote for personal auto insurance coverage in Portland, OR, we encourage you to contact us today and let one of our highly trained staff work with you to find the best coverage for your needs.

Call us today at 503-808-1111

Getting to Know the Different Types of Car Insurance

When purchasing personal auto insurance coverage, whether through a captive or independent insurance agency, it is always in your best interest you know the basics surrounding auto insurance, so you know to ask the right questions and give the right information. Here is a list of the different types of car insurance and what they mean:

    • Collision Insurance – Collision insurance covers any damage that your car may receive during an accident.
    • Uninsured or underinsured Insurance – This type of insurance covers your losses if you are in an accident with someone who does not have insurance or does not have enough insurance to cover the damage to your vehicle.
    • Liability Insurance – Liability Insurance covers expenses to the other person’s car if you are found at fault for the accident.
    • Comprehensive Insurance – Comprehensive Insurance covers any damage to your vehicle unrelated to a car accident. This includes vandalism, theft, or natural disasters.

If you want to learn more about the different types of insurance and coverage with an auto policy, reach out to one of our highly trained insurance agents today!

Things to Consider When Looking for Personal Auto Insurance Coverage in Portland, OR

No one person is alike. Your car insurance policy should reflect this line of thinking. We all have different needs and wants that determine the coverage we choose for ourselves and our families. One of the best ways to ensure you are getting the best auto insurance coverage is by educating yourself on the ins and outs of auto insurance. You need to consider some things when talking with an insurance agent about your auto insurance coverage.

If you are interested in learning more about auto insurance and how the team at Mt. Hood Insurance can get the coverage you need, we invite you to get in contact with us today.

Choosing the Right Deductible for You

The first step in deciding what coverage is right for you is establishing a budget. The deductible plays a huge factor in how much you will end up spending every month and how much money you will be out of pocket if you are ever in an accident. In simple terms, a deductible is the amount of money you must pay out of pocket before your insurance coverage kicks in.

You may be thinking to yourself, “why wouldn’t I choose the lowest deductible possible?” While having a low deductible may seem like a good idea, you need to consider a few things. For instance, if you decide to go with an extremely low deductible, you will pay more on your monthly premium costs. Getting a high deductible will save you money in the short term, but if you ever find yourself in an accident, you need to make sure you have the money in savings to cover that high deductible cost.

Trying to find a car insurance policy on your own or through a large insurance firm can be intimidating at the best of times. You will see a lot of different plans with different prices and coverages but very rarely are these policies custom made for your specific needs and budget. That is one of the great benefits of going through an independent insurance agency like Mt. Hood Insurance. At Mt. Hood Insurance, we take the time to sit down with you and discuss your budget, needs, and wants before we research and create an auto policy that is tailor-made just for you.

If you are interested in receiving information regarding your auto policy, we would love to hear from you today!

Discounts can Play a Huge Factor in the Price of Your Auto Policy 

One of the biggest things to consider when looking for your in Portland, OR is the discounts you may receive. You can receive a discount on your auto policy for various reasons, including a clean driving record and the safety and security features of your vehicle.

If you are hoping to take advantage of any discounts you may receive on your personal auto insurance policy, it is in your best interest to seek the help of an independent insurance agency. It is easy to overlook or forget about many discounts when you are shopping for car insurance. Here at Mt. Hood Insurance, we take the time to sit one on one with our clients. We pride ourselves on spending that extra effort to get to know someone’s situation, which allows us to hunt for and apply the right discounts on their policy.

If you are eager to learn about the discounts you may qualify for, one of our skilled insurance agents is ready to speak with you!

Personal Auto Insurance Coverage FAQ

How Much Does Personal Auto Insurance Coverage Cost?

Just like with most things, the cost of your car insurance will vary on several factors. These factors include the driver’s age, driving record, and the safety features of the vehicle.

Do All States Require You Have Auto Insurance?

Yes. However, the minimum coverage required will change based on your location.

Will My Auto Policy Cover Me if I Drive Someone Else’s Car?

For the most part, insurance coverage follows the car and not the driver. However, there are always exceptions to this rule. It is essential to discuss these questions with an insurance agent.

Does Auto Insurance Cover Property Stolen from My Car?

An auto policy will often cover permanently installed equipment through comprehensive insurance. However, any personal property like phones and wallets will not be covered under your auto insurance policy.

Can I Get a Quote for Car Insurance?

Absolutely! We would be more than happy to sit down with you and provide you with all the information you need!

Call us today at 503-808-1111

Personal Auto Insurance Coverage in Portland. Oregon