Best Auto Insurance Lake Oswego
Having the best auto insurance in Lake Oswego protects you against financial loss if you have an accident. At Schmidt Insurance Group we help our clients find the right amount of coverage to fit their needs and their budgets. Our knowledgeable agents know their Schmidt and will make sure you walk away feeling 100% protected!
Schmidt Insurance Group opened its doors in Lake Oswego 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 states of Oregon and Washington. Our office is full of born-and-raised Oregonians!
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 enough coverage. Our agents are specially trained in high-net-worth households and can help you find the exact amount of coverage you need.
We can customize a solution for you with flexible options that fit your lifestyle and help you stay protected. With our competitive rates and outstanding coverage, you’ll be free to cruise with confidence!
Factors that Affect Rate
There are some factors that will affect the rates we can provide. The main two, credit score and driving record, we are sure you are already aware of. However, here are some more factors that will affect your rates:
- Age– You may be an excellent driver, but statistics show that younger, inexperienced drivers are involved in more accidents than older drivers. This is particularly true for people under age 20 and explains why car insurance premiums can be quite high for newly licensed drivers. People over 70 also see a rate increase.
- Profession– Believe it or not, what you do for a living can affect your auto insurance premium. For example, delivery people and journalists are on the road constantly and are more likely to be in an accident, while airline pilots often just drive from the airport to home and spend 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. So, where you live can also impact the cost of your car insurance premium, even in different parts of the same city.
- Mileage– More mileage means more exposure to risk because you are on the road longer and statistically more likely to have an accident. Therefore, 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.
- Type of Car– Larger cars are generally safer than smaller cars in an accident. Owning a car with a high safety rating means there is less chance of the insurance company having to pay for you or your passengers’ medical bills. Factors like these often result in lower rates.
When you need the best auto insurance in Lake Oswego, get in touch with Schmidt Insurance Group. We will help you find the right amount of coverage to fit your needs and your budget. Call us today at (503) 506-4554 to explore the affordable options.
