Car Insurance Portland, OR
If you are looking for car insurance in Portland, OR, look no further than Schmidt Insurance Group in Lake Oswego. Our knowledgeable agents know their Schmidt and will make sure you leave us feeling 100% protected!
At Schmidt Insurance Group, our goal is to provide you with the best coverage possible at a reasonable price, no matter your age. 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!
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 and all of Oregon and Washington. Our office is full of born-and-raised Oregonians!
Need-to-Knows of Auto Insurance
You may have heard that you should buy as much car insurance as you can afford, but that probably is only good advice when you fully understand car insurance and how it works. You only want to start comparing quotes once you fully comprehend which coverages are best for you and which ones you can’t skimp on.
These are the need to knows of auto insurance:
- Some of the best coverages are the least expensive. The one you are legally required to buy, liability insurance, is the most expensive. But that’s for a good reason, it leaves a big financial risk in your insurers’ hands should you cause an accident with significant damage. Good additional options that won’t break the bank include: rental reimbursement, roadside assistance, gap, comprehensive, and uninsured/underinsured motorist coverages.
- There are some things that can drastically impact your rates. During the underwriting process the insurance company will determine how many claims they think they will have to pay out on you. They will look at your credit history, driving record, claims, and employment history to determine what your premiums will be.
- Letting your policy lapse could cost you significantly! People with driver’s licenses that aren’t insured seem risky and irresponsible through the lens of insurance companies. So, it is important that you never let your auto insurance lapse. If you are going to switch policies, make sure you have purchased the new policy prior to the expiration of the one you are switching from.
- Do not skip out on all the potential discounts that you might have access to! Most insurance companies will offer a variety of discounts. These include discounts for things like: credit union involvement, anti-theft devices, safe driving records, automatic payments, and payments in full.
- Higher deductibles will lower your premiums. While that is certainly the truth, it is also important that you understand what these higher deductibles could ultimately mean for you. High deductibles need to be no higher than you can feasibly and easily obtain should you have an accident. You don’t want to be without a car because you can’t afford the deductible necessary for the repairs.
When you need car insurance in Portland, Oregon, get in touch with Schmidt Insurance Group in Lake Oswego. Accidents happen. When they do, you’ll be glad you’re protected! Call us today at (503) 506-4554 to explore your options.
