Auto Insurance Near Me
“Where can I find the best auto insurance near me?” Is a common question. If you live or work near Lake Oswego, OR, get in touch with Schmidt Insurance Group. We will help you find the right amount of coverage to fit your needs and your budget.
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 serve the local Portland area in addition to all of Oregon and Washington.
Our team consists 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.
How to Save Yourself Time When Looking for Auto Insurance
Step 1: Know What Coverage You Need
Here are several things to think about before calling or visiting an insurance agent and signing on the dotted line. They will affect the amount of coverage you should have to adequately protect your assets.
- What is your net worth?
- Do you own a home?
- Do you own a business?
- Is your car reasonably new or an older model?
It’s important to know that choosing higher bodily injury and property damage liability limits will give you more protection but will also increase your insurance premium. Choosing higher deductibles will decrease your premium, but you will be responsible to pay for more of the repair costs. You will have many options to consider.
Step 2: Know Yourself (and Your Car)
Here are some of the different factors that will affect the rates you are quoted:
- Your age
- Your driving record
- The record of other drivers on your policy
- Your profession
- The type of car you drive
- The age and/or value of your vehicle
- Where you live and park your car overnight
- Whether there are anti-theft devices installed on the car
- How much you drive each year
Step 3: Get Several Competitive Quotes
The only way to know if the rate you’ve been quoted is competitive is to get several quotes for the exact same coverage. Be sure the policy lengths are the same so that you’re not comparing a 6-month policy from one company to a 12-month policy from another.
Step 4: Don’t Decide Based Only on Price
Saving money on insurance is fabulous, but the cheapest quote may not be your best option. Ask around for recommendations from friends and family, and find out how each company handles claims and customers. Visit their websites to see if they offer any special services or discounts.
Your insurance policy is a legal contract. It identifies the conditions under which you can be paid for a claim. You are responsible for the accuracy of this document. Before you sign it, review it to be sure it reflects the coverage your purchased. If you have any questions at all, don’t be afraid to ask the agent or the insurance company.
When you need auto insurance near you, get in touch with Schmidt Insurance Group. Accidents happen. When they do, you’ll be glad to know you’re protected! Call us today at (503) 206-0881 to explore your options.
