Auto Insurance Quotes Oregon
When you need auto insurance quotes in Oregon, get in touch with Schmidt Insurance Group. Our knowledgeable agents know their Schmidt and will make sure you walk away feeling 100% protected!
Schmidt Insurance Group opened its doors in 2019 with a goal of making insurance easy while providing exceptional customer service. We proudly serve the local Portland area as well as the entire states 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.
Auto Insurance 101
Insurance can be a pain in the…well, you know, but thankfully we know our Schmidt and our experts are ready to give you a quick auto insurance 101:
Factors that impact rates
- Age– People under 20 and over 70 will see higher rates.
- Profession– Jobs that require the least amount of driving get lower rates.
- Address- The number of cars in your area can raise or lower your rates.
- Mileage driven- More time on the road means more potential for accidents and increased premiums.
- Make, model, and year of car– Newer cars are generally financed and require full coverage. Older cars are often paid off and can get lower rates.
Components of auto insurance coverage
- Bodily Injury Liability– This applies to injuries that you or family members listed on your policy cause to someone else and will protect your personal assets (such as homes and savings) from lawsuits that can happen after an accident.
- Property Damage Liability– This coverage pays for damage that you (or someone driving your car with permission) accidentally cause to someone else’s property.
- Collision- This coverage pays for damage to your car that occurs as a result of a collision with another vehicle or object, such as a tree or guardrail, when you are at fault.
- Comprehensive- This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, flood, hail, falling rocks or trees, vandalism, and even getting hit by an asteroid!
- Personal Injury Protection (PIP)- This coverage provides reimbursement for medical expenses for injuries to you or your passengers. It will also cover lost wages and other related expenses.
- Uninsured/Underinsured Motorist (UM/UIM)- This coverage protects you if the at-fault party in your accident doesn’t have insurance or has insufficient insurance to pay for your damage, medical expenses, and loss of income. Not only does it protect you, but also your family members and other people who are riding in your car.
In the states of Oregon and Washington, you are required to have a minimum liability coverage of $25,000 per person and $50,000 per incident. In many cases, this is not adequate.
We will customize an auto insurance solution for you with flexible options that fit your lifestyle and provide the right amount of protection. With our competitive rates and outstanding coverage, you’ll be free to drive with confidence!
For auto insurance quotes in Oregon, we suggest you get in touch with Schmidt Insurance Group in Lake Oswego. You’ll have peace of mind knowing that you are protected if any type of loss occurs. Stop in for coffee today or give us a call at (503) 506-4554 for more information.
