Car Insurance Lake Oswego
Are you looking for car insurance in Lake Oswego? Look no further than Schmidt Insurance Group where our agents know their Schmidt when it comes to insurance of all forms, including auto policy coverage options.
In the state of Oregon, 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 protection. 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!
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 states of Oregon and Washington. Our office is full of born-and-raised Oregonians!
The Lies People Believe About Car Insurance
As you are searching for your new car insurance policy provider, it pays to do some research and to understand the facts about car insurance. Unfortunately, many people believe the following lies about car insurance:
It’s not my fault if I live in a “no-fault” state. People think that this means they can be off the hook when they cause an accident. But that is simply not the case here. Actually, what this means is that it gives the insurance companies time to battle it out while you are still having your immediate medical needs met. Once the guilty party is determined that person’s insurance company will be required to pay for the repairs and other damages.
My red car costs more to drive. No, not really. The color of your car has no actual impact on the price of your policy. The insurance companies will set their rates based on a vehicle’s features, safety performance, and cost of replacements and repairs. Some makes and models have more claims filed than others and that makes them cost more to insure.
The person driving is always responsible. Nope. If you give someone permission to drive your car then your insurance company will be liable if that person is at fault in an accident. Many people think the person who is driving will have to utilize their own insurance to pay for the damages, but that’s not how it works. Your policy is on your car, not on you. That means it sticks to the automobile not the driver.
Insurance companies can cancel on your whenever they want. Though they may wish that were true, insurance companies are not allowed to just drop your coverage at will. Your state’s regulations prohibit that kind of behavior, at least when you are in the middle of your policy. They can only drop you if you don’t pay or commit fraud.
Expensive cars cost more to insure. This is, shockingly, not always true. In fact, there are lots of mid-priced vehicles that cost considerably more to insure than those expensive, high-end cars. This is all about the claims that have been made and how much it costs to get parts for repair or replacement when claims are filed.
Now that you can get past some of these lies about insurance, be a responsible driver and protect yourself! You can’t afford not to carry the right type of car insurance in Lake Oswego. Our knowledgeable agents know their Schmidt and will make sure you walk away feeling 100% protected! Call us today at (503) 506-4554 for a thorough quote.
