Auto Insurance Companies Near Me
Have you been wondering, “Where can I find auto insurance companies near me?” Look no further than Schmidt Insurance Group located in Lake Oswego, Oregon.
Schmidt Insurance Group opened its doors in Lake Oswego in 2019 to simplify the process of buying insurance while providing outstanding customer service.
We proudly offer our services to the local Portland area and throughout the states of Oregon and Washington.
Our office is full of born-and-raised Oregonians who are specially trained in high-net-worth households and can help you find the exact amount of coverage you need.
Before You Buy Auto Insurance, Ask These Questions
Before you sign an insurance policy for your vehicle, you should know the questions to ask yourself. These will help you determine the amount of coverage you will ultimately need for your unique lifestyle. So, before you buy auto insurance, ask these questions:
- How much do I drive? If you take frequent road trips, you should consider this in your yearly mileage. The more you use the vehicle, the more coverage you might need to get.
- What’s my car worth? Financing a car means having to provide the funding company with proof of full coverage insurance. The best rule of thumb here, even if your car is paid off, is to insure it for what it’s worth in case there’s a total loss of the vehicle.
- Who’s gonna drive? Typically, you would be the main driver for your vehicle, but insurance companies require any other drivers living with you to be identified and named on your policy.
- How much is my budget? We understand you need a policy you can afford, but it is easy to be tempted to go with the highest deductible to get the lowest premium. The problem is that when we set our deductibles too high, we run the risk of not being able to pay them should we get in an accident. Make sure to take that into consideration when you are searching for your new insurance policy.
Know the Factors That Influence Your Rates
Now that you know the questions to ask as you search for insurance, it’s also a good idea to know what factors can impact your rates:
- Age- You may be an excellent driver, but statistics show that younger, inexperienced drivers are involved in more accidents than older drivers.
- Profession- Believe it or not, what you do for a living can affect your auto insurance premium. For example, delivery people are on the road constantly and are more likely to be in accidents, while airline pilots often just drive from the airport to home, spending little time on the road.
- Address- More densely populated neighborhoods with more cars mean you are at a higher risk of accidents, theft, and collisions with injuries. Where you live has an impact, even in different parts of the same city.
- Mileage- If you have a long commute to work, you may pay more for insurance than someone who only uses their vehicle to run errands on weekends.
- Make/Model- The car you drive can significantly affect your rate, since some cars are more likely to be stolen, lack safety features that prevent accidents, or are more costly to repair.
As you search for auto insurance companies near me, get in touch with Schmidt Insurance Group. With our competitive rates and outstanding coverage, you’ll be free to drive with confidence! Call us today at (503) 506-4554 to explore your options.
