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Canby, OR 97013

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What auto insurance must Oregon residents carry

Owning a vehicle and having a driver’s license comes with some responsibilities. One of them is to maintain the state-mandated auto insurance on your vehicle. It is your responsibility to know what those mandates are before taking a vehicle out onto the road. At Oliver Insurance in Canby, OR our experienced team has been serving the area since 1972. Our goal is to make sure you are in compliance with the law and have the perfect coverage for your needs. 

In Oregon, it is not legal to drive a vehicle without auto insurance. You can’t register a vehicle without it. Every driver must cover their vehicle with at least $25,000 in liability for each person in a crash and $50,000 for the total accident. Additionally, there must be $20,000 for property damage. Drivers must also have $15,000 PIP (personal injury protection) and insured motorist at the same minimum and maximum as the bodily injury.

The state of Oregon takes not having the required auto insurance very seriously. Depending on the circumstances that bring your lack of insurance to the attention of the authorities, you could be fined anywhere from the minimum of $130 to more than $5000. 

If you live in Oregon and have an auto loan or a lease, you will have additional requirements. You must protect the vehicle you’re driving in the event it gets damaged. This requires you to carry collision and comprehensive coverage. Even if you don’t have a loan or lease, if your vehicle is worth more than a couple of thousand dollars, it is probably a good idea to maintain comprehensive and collision coverage. Living without a vehicle would be a hardship for most people and having the ready money to replace or repair your vehicle may also be difficult.  

Contact Oliver Insurance in Canby, OR for your auto insurance needs. 

7 Tricky Terms to Know When Getting Auto Insurance

Do you know much about automobile insurance? Whether you’re getting auto insurance for the first time or simply haven’t had much experience, there are terms that you’re bound not to know. Oliver Insurance of the Canby, OR area can help break these down further for you.


This refers to the amount you’re expected to pay out-of-pocket when you have damages. You pay this before you get reimbursement from your insurance company. The higher your deductible, the lower you’ll pay for your premium.


This is the amount you’ll pay for the right to have coverage under their policy. Usually, you decide if you want to make the payments on a monthly, quarterly, or 6-month basis.

Liability Limits

Even though you may have auto insurance, you don’t just get any amount you wish. The policy has a set limit on what it pays out for injuries and damages. It’s possible to raise your limits but this also raises your premiums.

At Fault

At-fault refers to the individual (or several people) who are determined to be at fault for an accident. Typically, the person who is at fault (or their insurance company) will be required to pay most of the damages to each vehicle that was involved.


This is also known by the term "endorsement". It refers to a written agreement that’s included with the basic insurance policy allowing for the number of benefits under the policy to increase or decrease.

Liability Coverage

This covers injuries and property damage to another party when you are deemed to be at fault. It’s required by each state in one form or another.

Comprehensive Coverage

Though it’s sometimes called "full coverage", comprehensive is not actually full coverage. It covers damages that occur to your automobile from collisions and outside elements such as vandalism, theft, hail, fire, flood, and wind.

There’s a great deal more to learn when it comes to auto insurance. Fortunately, you have quality assistance on your side with Oliver Insurance of Canby, OR and beyond. Reach out to us with your questions.

How Much Auto Insurance Do I Need?

The drivers of Canby, OR aren’t usually thinking about their auto insurance when they get in their vehicles. They’re thinking about whether or not they’ll make it to a destination in time and which routes they’ll take. Maybe they’re just thinking that they can’t wait to hit the open road. But as much as insurance might be the last thing on their mind, that won’t help if they realize they don’t have enough coverage down the line. Oliver Insurance wants you to know more so you can get what you need. 

A Few Questions 

There are a few major questions to ask yourself before selecting an amount of coverage:

  • Can you cover expenses if you opt-out of certain types of coverage? For example, if you choose liability only, this will not cover the damages of your car in the event that you cause an accident. If you need to replace your car entirely, are you prepared to do this?
  • What kind of upgrades have you made?  If you’ve outfitted the car with the latest stereo equipment or after-market parts, you’ll need to let your insurance carrier know this, otherwise, these items may not be covered should they be damaged or stolen. 
  • How do you use the car? If you’re using your vehicle for business purposes in Canby, OR, you may need more coverage than someone who’s merely driving it to church once a week. 

Knowing the Difference 

If you have questions about the different levels of policies available to you, Oliver Insurance is here to help. We serve the people of Canby and ensure that they get the perfect amount of coverage for them. When you’re ready to discover how different types of coverage will function for you and your needs, contact us today. 

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.

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