Getting the Right Auto Insurance: What You Need to Know

If you live and work in the Canby, OR area, you probably do a lot of driving there, too. That means you need good auto insurance to protect your interests and those of other drivers when you’re on the road. At Oliver Insurance we can help you get the policy that’s right for your needs, so you can have peace of mind behind the wheel. Whether you’re taking weekend trips or just commuting to and from work, knowing you’re protected makes a difference. But you also don’t want to get insurance that doesn’t work for you, or that goes far beyond what you actually need for your situation. We can help you find a good balance.

The right vehicle policy is the one that works for you, and that covers you properly for the kind of vehicle you have and the driving you do. There are state minimum limits that have to be met with your insurance policy, but you don’t have to stop there. The level of coverage you choose and any additions you want to make to your policy are both areas where you might have questions. We’ll be happy to answer those questions, so you get quality information and can make an informed choice about the insurance coverage you want.

Contact us today at Oliver Insurance, by calling or stopping by. If you’re in the Canby, OR area we can help you get the auto insurance you need. We want you to understand your insurance options, and have all your questions answered. Then you’ll have the best chance of getting a quality policy that meets all your requirements. We can also help you update or change a policy you already have with us, or switch your policy over to our services. Don’t hesitate to ask us for the help you need.

How do I choose an auto insurance policy in Oregon?

Those that are in the Canby, OR area will likely find that they need to have a car in order to get around town. To ensure that you are properly protected, getting an auto insurance policy is a necessity. While there are some complexities that come with choosing auto insurance, there are several tips that can be followed that could help to make this easier and clearer for you in the future. 

Choose the Type of Coverage

The first tip to choosing an auto insurance policy in Oregon is to choose the type of policy. When you get auto insurance, you are only required by law to carry liability insurance. However, if you would like to be able to replace your vehicle with insurance proceeds after theft or an accident, you will want to upgrade to a full collision and comprehensive insurance policy. 

Consider Deductible Level

Whenever you file an insurance claim, the insurance company will first require you to come out of pocket for your deductible. If you choose a high deductible auto insurance policy, your premiums won’t be as high. However, if you have to make a claim, you need to make sure that you have access to cash at least as much as your deductible. If you do not have this cash on hand, you should choose a lower deductible. 

Picking an auto insurance policy is a big choice for anyone in the Canby, OR area. To ensure that you are making the right choice, you should call Oliver Insurance. The team of insurance professionals at Oliver Insurance can answer any questions that you have about all of your options and needs. This will help you get into a great auto insurance policy based on your situation. 

Auto Insurance Review: A Crucial Aspect Of Your Winter Preparation

Everyone is already well aware of the importance of taking their automobiles in for service checkups. However, there is a wide range of motorists who do not take similar steps when it comes to their auto insurance policies. An annual review is crucial and it is a key aspect of the winter preparation process. 

Oliver Insurance in Canby, OR is here to help motorists make sense of it all. Let’s take a closer look at the advantages of auto insurance review:

Receiving Discounts

A client who is looking to save on their auto insurance costs this winter will want to make sure that they are engaging in the review process. Once the best coverage has been located, why would the client want to miss out on any potential discounts? In many instances, an insurance company will offer its clients the chance to enjoy access to financial incentives that they may not have been aware of otherwise.

A Better Understanding

The client may have a policy that offers too much coverage or too little coverage. Once the review is finished, the policy holder is in a better position to make the necessary determinations. The insurance policy is going to reflect their current needs, as opposed to reflecting their needs at the time when the policy was obtained. 

Establishing Winter Scenarios

The winter weather can cause a number of nightmare scenarios to take place. That’s what makes auto insurance review so important. The client is able to have a consultation meeting with an experienced agent who will walk them through each of these scenarios. By taking the time to present these scenarios to an auto insurance agent, the client is more confident in their policy and enjoys the necessary peace of mind. 

An annual auto insurance review is a necessary aspect of the winter preparation process. Be sure to meet with an experienced agent at Oliver Insurance in Canby, OR as soon as possible, so that they can walk you through the ins and outs of your current policy. 

Benefits of Auto Insurance

Like most states, Oregon requires drivers to have minimum liability insurance.  In reality, this is not enough to protect you financially.  More comprehensive plans have benefits that protect.  The agents at Oliver Insurance, serving the Canby, OR area, can explain your auto insurance options. 

It’s good, to begin with an understanding of what liability insurance actually covers.  When an accident occurs and you are deemed to be at fault, the liability insurance will pay the repair costs and medical expenses for the other party up to a predefined limit.  If it exceeds that amount, you will be responsible for the overage.  It will not cover any of your expenses.  If the injured person decides to sue you, you could be held responsible for the legal fees.  This can be financially overwhelming.  The best time to get insurance is before you need it.

A better approach is to talk with your agent about more comprehensive insurance policies.  They will be able to provide information on policies that suit your lifestyle.  They will also get you the best possible price.  Accidents happen and they are very expensive.  Even seemingly minor accidents can cost thousands of dollars when medical and legal expenses are added to repair costs.  Yet with a comprehensive auto policy, you are financially protected.  The team at Oliver Insurance can assist with your auto insurance needs.  In the Canby, OR area, they are insurance specialists.  They will take the time to explain the policy and answer any questions you may have.  Visit their website to get generate information and explore their rating tools.  When you’re ready, call or come by and visit with them.  It’s never too late to get the benefits of an auto insurance policy that best suited for you!

Oregon Auto Insurance In 2019

At Oliver Insurance we want you to know that buying insurance in 2019 does not have to be a hassle. Our agents, and technology make the process easy as pie. Which is great because you do not want to be behind the wheel without adequate coverage. We serve Canby, OR and the surrounding areas with quality insurance that is easy to purchase, with terms easy to understand. 

Oregon Auto Insurance Requirements 2019

In the state of Oregon it is required to have these as a minimum:

2019 minimums for the required liability insurance in Oregon are as follows;$25,000 for bodily injury, per person., $50,000 for total bodily injury to others, per accident, and $20,000 for property damage, per accident.

In addition, you must carry PIP, Personal Injury Protection in Oregon to help with medical expenses. This coverage must be at a minimum of $15,000 per person. And Uninsured Motorist Coverage to protect you if you are in an accident with someone who is not insured the coverage minimums are $25,000 per person or $50,000 per crash.

Optional but recommended insurance coverage for Oregon residents in 2019 are:

Comprehensive, Collision, GAP, Rental Reimbursement, and Uninsured Motorist Property Damage. These five additional insurance add-ons are not required but can be vital when it comes to taking the risk of driving. They fall into the category of beyond the minimum but not legally required. If you purchase one or all of these you will be relieved to have them when things happen.

Call us at Oliver Insurance for more information about the 2019 insurance requirements, and how easy it is to get the coverage you need with us. We serve Canby, OR and the surrounding areas. 

 

 

 

 

What’s At Risk With Liability Only Insurance?

When shopping for car insurance you might be tempted to go for the cheapest, bare minimum coverage in an effort to save money. However, there are several factors you should consider when you are shopping for car insurance, and the bottom line cheapest price may not be the wisest investment in the long run. Here are a few things you should consider when comparing liability vs full coverage insurance. 

What is Liability Only?

Liability only insurance means that the insurance policy will only cover damage that you are liable for in an accident. This means damage that you caused to another car or injury that you caused to another driver. This type of insurance does not cover any damage which might happen to your own car. This can put the investment you have made in your vehicle at risk. In the event of an accident that is your fault, you will be required to pay for any damages out of pocket. This can put you at financial risk. 

What About Other Damage?

It is also important to note that there are other types of damage besides damage suffered during an accident. Damage from events such as storms, hail, flooding, debris can cause a huge cost to you as the vehicle owner. If your vehicle has only liability insurance, then when these types of damage occur you will be required to pay for repairs out of your pocket. This can also put you at financial risk and put your investment in your vehicle at risk as well. 

When Is Liability Only a Good Idea?

In some instances, liability only insurance might be a good idea. In cases in which the vehicle is not worth very much money, a vehicle owner may not wish to cover the vehicle with full coverage insurance. 

If you would like to learn more about the different types of insurance available for your vehicle contact Oliver Insurance in Canby, OR today. 

When Should You File an Auto Insurance Claim

Purchasing a car is a great milestone in one’s life. However, driving comes with its share of risks. Sometimes, even the most experienced motorists are usually involved in road accidents. This is the primary reason why the law requires every driver to carry some basic form of insurance to ensure that you are protected in the event of an accident. An auto insurance policy from Oliver Insurance protects you from significant financial losses that you may incur if you are involved in a crash in Canby, OR or elsewhere. However, most drivers don’t know when to claim and not claim their auto insurance.

When Should You Claim Your Auto Insurance?

Typically, you should file a car insurance claim when something significant happens. For instance, you always inform your insurance provider when other drivers are involved in the accident. Settling the matter with the other driver without the help of your provider is risky. After all, you can’t tell who you are dealing with. You can pay for repairs and months later; the same person will resurface saying that you didn’t pay him/her. Keep in mind that your liability coverage is there to protect you from expensive lawsuits and your insurance provider is experienced with handling various parties involved in an accident.

You should also file a claim when you cause severe injuries to other people or someone else’s property. Since it is difficult to tell whether the injuries occurred as a result of the accident, it is good to inform your insurance provider who will know what to do. Remember the fact that some symptoms may delay to show up and might show up at the scene of the accident even if they aren’t as a result of injuries sustained during the crash. You don’t want to cater to another person’s medical bills when it isn’t your fault.

Contact your insurance provider in Canby, OR when you notice significant car damage on your vehicle. Apart from what you are seeing, your vehicle might also have some other hidden damage. Your collision coverage will cater for repairs of any damage to your car.

Contact Oliver Insurance today for a customer-friendly auto insurance policy.

Nervous about Your Driving Test? Here’s How to Prepare

Your driving test is a big day and it’s perfectly normal to be a little nervous. However, you certainly don’t want to have to take your driving test in Canby, OR more than once, if you don’t have to. For this reason, here are few tips to prepare for your driving test so you pass it the first time.  

Don’t Procrastinate

If you put off preparing for the test until the last minute, your chances of failing increase. Start studying weeks before and be sure to do lots of practice driving with your learner’s permit. Ask a friend or family member to quiz you.  

Take the Test in the Morning

Schedule your test for a morning session when you are more alert and have more energy. During the afternoon, many people can become groggy. Not only that, the all day anticipation of waiting to take the driving test will only make you more nervous.  

Be Prepared to Fail

If you do fail, that’s ok. You get more than one chance. Although it’s not the outcome you wanted, you can do better next time.  

Get a Good Night’s Sleep

Going out until late at night or staying up late is not a good idea the night before taking your driver’s test. You really want to feel your best for this test.  

At Oliver Insurance, we love to insure new drivers. We serve drivers in the Canby, OR area and help them find the best auto insurance policy and savings for their particular driving situation. To reach Oliver Insurance and speak with one of our friendly and reputable insurance agents, call us at 503-266-2715 today.  
 

 

 

 

Review Your Auto Insurance for the Upcoming Travel Season

In some parts of the country, it’s looking like Spring. Even if it isn’t quite here in Canby, OR., vacation plans preoccupy many people. If you plan to hit the road this summer, prepare your car now. Getting your vehicle in shape goes a long way to preventing accidents and assuring a more enjoyable trip. Reviewing your auto insurance coverage with the independent agents at Oliver Insurance is a good place to start. We can make sure you’re getting all the discounts you have coming to you. We can also provide checklists in vehicle safety that will help you get ready for a great vacation.

For instance:

  1. The most important features on your vehicle are the braking system and the tires. These are what control your vehicle in an emergency and keep you on the road. Keep these in the best condition possible even if you have a scratch on your car or upholstery that you can’t repair right away.
  2. Be certain you are operating legally: keep your registration and proof of insurance handy. Don’t drive under the influence of alcohol. Use safety belts. Know the law and keep it.
  3. Plan your vacation ahead of time so you know routes and destinations. Using a GPS is a great way to stay on track, but know your route so you can spot trouble before your GPS steers you wrong.

Proudly serving the Canby, OR. area, Oliver Insurance not only provides auto insurance coverage, but we educate our customers so they can prevent accidents, injury, and misfortune. Contact us today at 503-266-2715 or use our online site for a quote for your auto insurance. You might qualify for discounts, and you’ll learn something new.

Got Into an Accident During a Test Drive – Who’s Responsible?

Test driving a vehicle is suppose to be a fun experience where you learn whether you could see yourself owning a particular vehicle. However, it’s necessary to understand what happens in the unfortunate event that you get into an accident during the test drive. Like most questions regarding auto insurance and personal liability, it’s hard to get a specific answer without talking to a knowledgeable person. Oliver Insurance serves the Canby, OR area and is able to provide more precise answers based on where you live and the insurance coverage you have.

Most of the time, if you’re test driving a vehicle, the dealership should have an insurance policy that protects every vehicle on its car lot. This holds true whether you’re test driving a new or used automobile. Because a test drive is usually only a short distance trip, the chance of an accident is low, and the dealership doesn’t mind using its insurance to cover any damage that may result from an accident that you’re involved in. However, if the dealership believes that the accident was your fault, then the company may try to get your insurance provider to cover the damage. For example, if a dealership sees a driver come in to test drive a high-powered sports car and notices that the driver speeds off the lot, the dealership is much more likely to try to pursue reimbursement for the damage to its vehicle in the case of an accident, especially if the accident appears to be the driver’s fault.

In conclusion, you’re most likely safe if you get into an accident while test driving a dealership’s car. However, because each situation is different, you can get more accurate answers to any questions you may have by contacting Oliver Insurance, which serves the Canby, OR area. Many situations are slightly different depending on where you live, which is why it’s important to talk with someone who has specialized knowledge about the area you live in.