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.