Auto Insurance in Redmond, Oregon
Auto Insurance
You need to have auto insurance in order to be a legal driver in Oregon. You are required by law to have liability insurance, which covers you if you cause an accident that injures someone or damages their property. If you’re caught driving without insurance, you could face fines, license suspension, and even jail time. Call QuoteDesign – or request a quote!
Car Insurance Quotes for Redmond Drivers
AUTO INSURANCE FOR REDMOND DRIVERS
Oregon’s Minimum Requirements
According to the Oregon Department of Transportation, the minimum auto insurance coverage a driver must have includes:
| Coverage Type | Coverage Limit |
|---|---|
| Bodily Injury and Property Damage Liability (per person) | $25,000 |
| Bodily Injury and Property Damage Liability (per crash for bodily injury to others) | $50,000 |
| Bodily Injury and Property Damage Liability (per crash for damage to others’ property) | $20,000 |
| Personal Injury Protection (per person) | $15,000 |
| Uninsured Motorist (per person) | $25,000 |
| Uninsured Motorist (per crash for bodily injury) | $50,000 |
Securing Auto Insurance in Redmond
There are several methods to obtain auto insurance in Oregon. Traditional means include purchasing a policy from an insurance company in Redmond or Eagle Crest. Alternatively, the Oregon Auto Insurance Plan, a state-sponsored initiative, offers insurance for drivers unable to secure traditional coverage. Those with a clean driving record and good credit typically have no trouble acquiring insurance from regular insurance companies. However, those with a challenging history might find the Oregon Auto Insurance Plan beneficial.
Understanding Full Coverage
Full coverage in Oregon generally encompasses liability insurance, uninsured/underinsured motorist coverage, and personal injury protection. Coverage specifics can differ from one policy to another. It’s recommended to consult your insurance agent about your policy’s inclusions and exclusions.
Rating Car Insurance Options
While affordable auto insurance might seem appealing, it doesn’t necessarily equate to the best auto insurance. For the finest rates in Oregon, consider shopping around or letting us compare quotes on your behalf. When purchasing auto insurance in Oregon, ensure:
- Adequate coverage to safeguard yourself and your assets.
- Awareness of the state’s minimum coverage requirements.
- Comparing rates from multiple insurance providers.
Commercial Auto Insurance Essentials
Owners of Oregon businesses that utilize vehicles must have commercial auto insurance by law. This covers liabilities from accidents involving company vehicles and damages to the vehicles.
Types of Commercial Auto Insurance:
- Business Auto: Mandatory for vehicles engaged in commercial activities such as client visits or deliveries. Standard auto insurance usually doesn’t cover work-related uses.
- Contractors’ Auto Insurance: Essential for transporting materials and tools between job sites.
- Food Trucks & Deliveries: Tailored for food businesses that rely on commercial vehicles. Covers attached equipment.
- Heavy Truck Insurance: Specialized insurance for heavy and large company trucks.
Cost Factors for Commercial Auto Insurance in Oregon
The commercial auto insurance price in Oregon depends on:
- Profession
- Vehicle type
- Driving history
- Location
- Travel scope
- Coverage necessities
Ride-Sharing and Commercial Insurance
Engaging in ride-sharing apps like Uber or Lyft necessitates commercial auto insurance. The Division of Financial Regulation advises Oregonians to review their insurance needs when participating in these platforms, as personal insurance might not cover significant liabilities in ride-sharing contexts.
Driving for Uber or Lyft? You Will Need Commercial Insurance
The Division of Financial Regulation advises Oregonians to consider their insurance needs when engaging in new apps and websites that facilitate car rides, as personal insurance often does not cover large portions of liability when it comes to providing these services.
Examples include transportation networking companies (TNCs), such as Uber, Lyft, and Sidecar, that offer smartphone apps to help connect drivers and passengers as an alternative to taxis. Drivers who participate use their personal vehicles to transport passengers for a fee.
Here’s an Idea: Bundle Homeowners and Auto Insurance
Maximizing Savings through Bundling: One of the most effective strategies to both simplify your insurance management and also save on premiums is to bundle your insurance policies. By purchasing both homeowners and auto insurance through QuoteDesign, you can often avail significant discounts.
Why Bundle with QuoteDesign in Redmond?
Cost-Effective
Combining auto insurance with homeowners insurance typically results in reduced premiums for both. It’s a win-win for Redmond residents aiming to get comprehensive coverage while staying budget-friendly.
Simplified Management
Bundling allows for easier policy management. Dealing with a single agent and a unified policy can simplify the renewal process, claims handling, and any adjustments you might need to make over time.
Enhanced Relationship with Agent
By consolidating your insurance needs, you build a stronger relationship with your agent. This can lead to better customer service, faster claim processing, and personalized advice tailored to your combined home and auto needs.
Flexible Coverage Options
At QuoteDesign, our bundling options are designed with flexibility in mind. Whether you’re a homeowner with multiple cars or a renter with a single vehicle, there’s a bundling solution to match your circumstances.
Fewer Gaps in Coverage
By consolidating policies, you minimize the risk of potential gaps in coverage, ensuring that both your home and vehicle are comprehensively protected under any circumstances.
We Help You Understand All Your Insurance Options In Oregon
what people say
What Our Clients Have Said About Us!
Albert Brown
Prineville, OR
“I got my life insurance with Gary and Joy. I started an indexed universal life insurance plan and was very happy with the service they provided.“
Kim Holloway
Portland, OR
“I am in Portland, but it was still easy to work with QuoteDesign. Gary helped me with general liability business insurance. I went with thimble”
Karen Evenvold
Eagle Crest, OR
“They’re awesome so professional courteous and the best price for the best insurance. Call to get your quote today”