Best Car Insurance Companies Oregon

Experienced, customer-centered insurance companies in Oregon, like Schmidt Insurance Group, will help you find the best and most affordable car insurance coverage for your family.

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.

5 Steps to Buying Car Insurance

Best Car Insurance Companies OregonStep 1: Know What Coverage You Need

Before calling or visiting an insurance agent and signing on the dotted line, there are some things we will need to know from you. They will affect the amount of coverage you need to adequately protect your assets.

  • What is your net worth?
  • Do you own a home?
  • Do you own a business?
  • Do you own a reasonably new car 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 the cost of your insurance. Choosing higher deductibles will decrease your premium, but you will be responsible for paying a greater portion of the repair costs. We will give you many options to consider.

Step 2: Know Yourself (and Your Car)

Some of the factors that will affect the rates you are quoted include:

  • Your age
  • Your driving record
  • The driving record of other people on your policy
  • The type of work you do
  • The type of car you drive
  • The age and/or value of your vehicle
  • Where you live and park your car overnight
  • Whether you have installed anti-theft devices on the car
  • Your annual mileage

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. Also make 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 company.

Step 4: Don’t Make a Decision Based Only on Price

Saving money on insurance is definitely great, but the cheapest quote may not be your best option. Ask for recommendations from friends and family, and find out how each insurance company handles claims and customer satisfaction. Visit their websites to see if they offer any special services or discounts.  

Step 5: Read Your Policy Documents

Your insurance policy is a legal contract. It will identify the conditions under which you can make a claim. You are responsible for the accuracy of this document. Before you sign it, read it carefully 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.

Accidents happen. As one of the best car insurance companies in Oregon, the knowledgeable agents at Schmidt Insurance Group know their Schmidt and will make sure you walk away feeling 100% protected! Call us today at (503) 206-0881 for a thorough quote.