4 Reasons for Using a Broker/Agent vs Going Directly to an Insurance Carrier
Brookings OR residents looking for insurance coverage have the choice to work directly with a carrier or use an independent broker/agent. Often, these brokers offer more advantages than just working directly with a carrier:
Brookings brokers are knowledgeable in state-specific laws and regulations on insurance policies. They can provide valuable insight into Oregon's unique requirements when finding the right policy for your needs.
Oregon brokers have access to many different carriers meaning they can shop around and compare rates to find you the best deal possible. Going directly to one carrier means that you may be limited in options and could be missing out on savings opportunities available elsewhere.
Brookings brokers will also handle claim processing if something should happen to you or your property. They will work with the carrier to make sure you get the maximum benefits from your policy and that all claims are processed in a timely manner.
Oregon brokers provide personalized customer service, helping you understand your options and any potential benefits or risks associated with them. Working directly with a carrier may not give you access to such specialized advice and help.
By using an Oregon broker/agent, Brookings drivers can benefit from knowledgeable professionals who have their best interests at heart - something that is particularly important when dealing with insurance policies. Whether you're looking for home, auto, health or life insurance coverage, Oregon brokers/agents can help find the right policy for you at the lowest price while providing important support services along the way.
4 Reasons Insurance Companies Declare Vehicles Totaled in Oregon
Oregon is known for its natural beauty and diverse landscape, but it can also be a dangerous place to drive. When an Brookings resident gets into an accident or their vehicle becomes severely damaged by natural elements, their insurance company may declare the vehicle “totaled.” Here are four of the most common reasons why Oregon insurance companies declare vehicles totaled:
The cost of repairs exceeds the vehicle's current value: If the estimated repair cost is more than what a buyer would pay for the same car in its current condition, total loss might be declared by Oregon insurers.
Severe weather damages: Oregon is no stranger to extreme and unpredictable weather conditions like flash floods, snowstorms and hurricanes, which can cause significant damage to a car. Oregon insurers may declare the vehicle totaled if these damages are too costly to repair.
Theft or vandalism: Oregon has some of the highest rates of theft and vandalism in the country, so it's not uncommon for Oregon insurance companies to declare vehicles totaled after they have been stolen or vandalized beyond repair.
Accidents with extensive damage: Oregon is no stranger to accidents that cause extensive damage to vehicles - such as rollovers, collisions with large animals like deer, and even high-speed collisions on highways. In these cases, Oregon insurers may declare the vehicle totaled if the cost of repairs would be too great compared to its current value. Knowing why Oregon insurance companies declare vehicles totaled can help you make sure you're prepared in case of an accident or other damage to your vehicle. It's important to have comprehensive insurance coverage and be aware of Oregon's laws regarding totaled vehicles so you can properly handle the situation if it arises.
4 Things to Know Before Going to an Auto Body Shop in Oregon
Whether you've been in a car accident or are just looking for routine maintenance, Brookings has plenty of auto body shops ready to help. Before going to an auto body shop, there are a few important things Oregon residents should know.
Research Your Auto Body Shop Options: There are many auto body shops throughout Brookings, so it's important to do your research and choose the one that best meets your needs. Make sure they have good reviews, as well as proper licensing and certification from organizations like the National Institute for Automotive Service Excellence (ASE).
Determine What Services You Need: Different Brookings auto body shops offer different services, ranging from minor repairs to major overhauls. Find out what the shop specializes in before making an appointment. Oregon residents should also check that their insurance will cover all the services they need.
Ask About Warranties: Oregon auto body shops should provide a warranty on any service or repair provided. Make sure you understand what's covered and for how long, as well as how long it will take to get your car back once service is complete.
Prepare Your Vehicle: When you bring your car into an Brookings auto body shop, make sure it's clean inside and out so that mechanics can properly diagnose any issues quickly and accurately. It's also important to double check that any personal items are removed before leaving the car with the mechanic.
15361 Highway 101 S, Brookings, OR 97415, United States
Charlie's Auto Body
16383 Grootendorst Ln, Brookings, OR 97415, USA
No website found
Carpenter Point S Tire & Auto Service
934 Chetco Ave, Brookings, OR 97415, USA
West Coast Custom Paint & Restoration
15665 US-101, Harbor, OR 97415, USA
4 Steps of Insurance Claims Process After an Accident in Oregon
When an Oregon driver is in a car accident, it's important to know the steps of the insurance claims process that follow. Understanding what to do can help ensure that a successful claim is made and compensation comes quickly.
Collect Information: The first step for Brookings drivers after an accident is to collect information from all parties involved. This should include contact information, insurance details, vehicle identification numbers, license plate numbers, witness statements and photographs taken at the scene of the crash. All of this data needs to be recorded accurately so that it can be passed on to both your insurer and any other parties involved in the claim.
File a Report: Oregon law requires that all accidents resulting in injury or property damage of $2,500 or more must be reported to the Oregon Department of Motor Vehicles. This report should include all the details collected in step one. It's important that this is filed promptly and accurately as it may affect your insurance claim.
Notify Your Insurance Company: Brookings drivers must notify their insurer within a reasonable period after an accident occurs. All information collected in steps 1 and 2 should be provided to the insurer so that they can assess the situation properly. The insurer will then let you know how the process will move forward and if any further documentation is needed before a settlement can be reached.
Settlement Negotiations: Once all documents are submitted, Brookings insurers have 30 days to accept or deny the claim. If accepted, negotiations will begin to determine a fair settlement for all parties involved. Oregon drivers should not agree to any settlements or payments until everything has been reviewed and finalized by their insurer or legal representative.
Following these steps of the insurance claims process after an accident in Oregon can help ensure that your claim is processed quickly and efficiently, allowing you to receive compensation in a timely manner. It's important to be well prepared when filing an insurance claim as it can make a big difference in the outcome of the case.
10 Most Expensive EVs to Insure in Oregon
Oregon has some of the highest insurance rates for electric vehicles (EVs). With rising costs, it's important to research different EVs and their insurance premiums before choosing one. Here is a list of the 10 most expensive Oregon EVs to insure:
Tesla Model S - Oregon drivers can expect to pay an average of $3,848 per year for insurance on this vehicle.
Nissan Leaf - Oregonians may be surprised at the high cost of insuring a Nissan Leaf; with an average premium of $2,605 annually, it's one of Oregon's more expensive EVs to insure.
Chevrolet Bolt - This EV comes in third place when it comes to Oregon's most expensive EVs to insure, with an average premium of $2,549 annually.
Ford Focus Electric - Oregon drivers can expect to pay around $2,531 per year for insurance on this EV.
Volkswagen e-Golf - Oregonians will have to shell out an average of $2,510 in insurance premiums each year on the Volkswagen e-Golf.
Kia Soul EV - This is one of Oregon's more expensive EVs to insure; Oregonians can expect to pay an annual premium that averages around $2,403 for the Kia Soul EV.
BMW i3 - Oregon drivers will be paying an average of $2,336 each year for insurance on their BMW i3s.
Fiat 500e - Oregonians can expect to pay an average of $2,277 annually for insurance on their Fiat 500e EVs.
Hyundai Kona Electric - Oregon drivers will have to shell out around $2,219 each year for the Hyundai Kona Electric's insurance premiums.
Honda Clarity Electric - Oregonians should expect to pay an average of $2,208 annually for insurance on this EV.
10 Cheapest Gas Vehicles to Insure in Oregon
Brookings OR drivers know that owning a car can be expensive. From the cost of gas to maintenance and repairs, driving comes at an increasingly high price tag. That's why it is important to research which cars are the cheapest to insure in Oregon so you have one less expense to worry about. Here are 10 of the least expensive vehicles to insure in Oregon:
Honda Civic Hybrid - The Civic Hybrid earns its spot on this list because it offers great fuel efficiency and comes with advanced safety features such as airbags, anti-lock brakes, and stability control. It also has good crash test ratings from the National Highway Traffic Safety Administration (NHTSA).
Toyota Prius C - This hybrid car is very fuel efficient and has good safety ratings. It also comes with a variety of advanced features such as lane departure warning and Blind Spot Monitoring System (BSMS).
Honda Fit - The Honda Fit is an affordable option that doesn't sacrifice on safety. It comes with airbags, antilock brakes, rearview camera, and other advanced features.
Nissan Versa - This compact sedan offers Brookings drivers good value for the money in terms of fuel efficiency and safety ratings. It comes standard with airbags, antilock brakes, stability control, and brake assist systems.
Ford Fiesta - Oregon drivers looking for a reliable car at a low price will appreciate the Fiesta. It has good crash test ratings and comes with antilock brakes, airbags, and stability control.
Volkswagen Jetta - Brookings drivers will find the Jetta to be a great option for those who need a reliable vehicle at an affordable price. It offers solid safety features such as antilock brakes, airbags, and brake assist systems.
Subaru Impreza - This car is popular among Oregon drivers because it is fuel efficient and relatively inexpensive to insure. It also comes with antilock brakes, airbags, stability control, and other advanced safety features.
Hyundai Elantra - The Elantra is a great choice for Brookings drivers looking for an inexpensive car with a good safety rating. It comes with airbags, antilock brakes, and stability control.
Kia Soul - The Soul is a great option for Oregon drivers who need an affordable vehicle that offers plenty of features such as rearview camera, Blind Spot Monitoring System (BSMS), and other advanced safety systems.
Mazda3 - Brookings drivers looking for a reliable car at an affordable price will appreciate the Mazda3. It has good crash test ratings and comes standard with airbags, antilock brakes, and stability control.
4 Benefits of Adding Someone to Your Auto Insurance in Oregon
If you live in Brookings Oregon, you may be considering adding someone to your auto insurance policy. Doing so can have many benefits and provide additional coverage for both of you as drivers. Here are four benefits of adding someone to your Oregon auto insurance policy:
Increased liability coverage: Adding an additional driver to your Brookings auto insurance policy increases the amount of coverage available in case of an accident. This is particularly beneficial if the other person has a higher risk profile, such as a younger driver or one with more driving experience than you.
Lower premiums: By adding multiple people to a single Oregon auto insurance policy, the premium cost for each individual will decrease due to economies of scale. This means that everyone on the Oregon auto insurance policy will benefit from lower premiums.
Increased protection: Brookings auto insurance policies often provide more coverage than minimum state requirements. Adding someone to your Oregon auto insurance policy can increase the amount of coverage available in case of an accident, making it easier to recoup losses or pay for damages.
Reduced risk: Having multiple drivers on a single Oregon auto insurance policy reduces the overall risk of having an accident because each driver is less likely to be involved in a crash if they are not alone on the road. This can save you and the other driver money in premiums and provide greater peace of mind while driving.
Cost of Car Insurance in 6 Different Age Groups in Oregon
Car insurance rates in Brookings vary wildly depending on the age of the driver. Teenagers, who are typically considered high-risk drivers, pay the highest premiums compared to other age groups. Senior citizens generally have much lower rates due to their more limited driving needs and experience. Here's a look at what Oregon drivers can expect to pay for car insurance based on their age group:
Teens (ages 16-19): On average, Oregon teens will pay an annual premium of $3295 for car insurance. This is significantly higher than any other age group as teens tend to be more reckless behind the wheel and get into more accidents.
Young Adults (ages 20-24): The cost of car insurance drops significantly for Oregon young adults. On average, these drivers pay an annual premium of $1522. This is still higher than any other age group as young adults are known to be more risky drivers.
Adults (ages 25-34): Oregon drivers in this age group have the second lowest rates, paying an average of $1347 per year. They typically have more experience on the road and are considered less risky behind the wheel than younger drivers.
Mid-lifers (ages 35-49): Oregon mid-lifers in this age range pay an average annual premium of $1259, which is slightly lower than adult drivers due to their better driving records and longer years of experience on the road.
Seniors (ages 50-64): Oregon seniors have the lowest car insurance rates in the state. On average, they pay an annual premium of $1135. This is largely due to their more limited driving needs and proven track record of safe driving practices.
Retirees (ages 65+): Oregon retirees also have some of the lowest premiums, with an average annual rate of $1124 for car insurance. Retirees are generally considered safe drivers and don't need to put as many miles on their vehicles each year compared to other age groups.
5 Driving Violations That Require High Risk Insurance Oregon
Driving in Oregon can be a great experience, but there are certain traffic violations that require higher risk insurance. Depending on the type and severity of the violation, Brookings drivers may find themselves needing to purchase high-risk coverage. Here are five driving violations that will require Oregon drivers to have high risk insurance:
Driving Under the Influence (DUI): Oregon's DUI laws are among some of the strictest in the country and if you are found guilty of a DUI you will need to purchase high-risk insurance.
Careless Driving: Oregon has laws against careless driving which include excessive speed or recklessness while operating a vehicle. If convicted of this offense, it is likely you will need to purchase high risk insurance.
Reckless Driving: Oregon defines reckless driving as operating a vehicle in a manner that shows willful disregard for the safety of others or property and can result in serious injury or death. Oregon drivers found guilty of this offense will need to purchase high-risk coverage.
Habitual Traffic Offenders (HTO): Oregon classifies habitual traffic offenders as those who have been convicted of three or more major violations, such as DUIs, within a three-year period. Habitual traffic offenders are required to purchase high-risk insurance policies in Oregon.
Hit and Run Offenses: Oregon considers hit and run offenses to be any accident that involves an individual failing to stop at the scene of an accident and provide information to the other driver. Oregon drivers who are convicted of this offense or any other major violation will need to purchase high-risk auto insurance.
Top 8 Car Insurance Companies by Least to Most Expensive in Oregon
Brookings is home to numerous car insurance companies offering competitive rates. Below, we have listed the 8 most affordable Oregon auto insurance companies from least to most expensive.
Oregon Mutual Insurance - Oregon Mutual Insurance is the top-rated Oregon car insurance provider and offers comprehensive coverage options, discounts for good driving and strong customer service ratings. They are also known for providing some of the lowest premium rates in Oregon with an average annual rate of $957 per year.
Country Financial - Country Financial provides Oregon drivers with low rates even if they have a less than perfect driving record or live in an area with higher-than-average risks of accidents or vandalism. On average, their policies cost Oregonians around $1085 per year, making them the second most affordable car insurance provider in Oregon.
Allstate - Allstate offers Oregon drivers coverage for a wide range of insurance needs and provides discounts for multiple policies and safe driving. Their average annual rate for Oregon residents is $1,193, making it one of the most affordable options in Oregon.
USAA - USAA is an excellent option for Oregon drivers who are members of the military or their families as they provide some of the lowest rates available in Oregon at an average policy cost of $1,216 per year.
Progressive Direct - Progressive Direct is another great choice for Oregon drivers offering competitive rates and good service ratings with an average annual rate of $1,309.
Oregon Farm Bureau - Oregon Farm Bureau provides Oregon drivers with low rates and coverage options designed specifically for Oregon drivers with an average policy cost of $1,859 per year.
GEICO - GEICO is one of the larger car insurance providers in Oregon and offers competitive rates with an average annual rate of $2,269 per year.
State Farm - State Farm is the most expensive Oregon auto insurance provider but still offers competitive rates to Oregon drivers with an average policy cost of $3,068 annually.
4 Different Auto Insurance Discounts in Oregon
Are you living in Brookings and looking for ways to save on auto insurance? If so, there are several discounts available that can help reduce your premiums. Here's a look at four of the most popular auto insurance discounts offered in Oregon:
Multi-Car Discount: Oregon residents who insure more than one car with the same insurer may qualify for a multi-car discount. This can result in significant savings over insuring each vehicle separately.
Good Driver Discount: Most insurers offer this type of discount for Brookings drivers who maintain an accident-free record for certain periods of time (usually three years or longer).
Safety Device/Anti-Theft Discounts: Installing certain safety devices in your vehicle, such as airbags and anti-theft systems, may qualify Oregon drivers for discounts.
Low Mileage Discounts: Brookings drivers who rack up fewer miles than most can often find discounted rates from their insurer. This is usually done through tracking devices in the car or self-reported estimates of annual mileage.
By taking advantage of these Brookings auto insurance discounts, you can save significantly on your premiums while still getting the coverage you need to protect yourself and your family. Be sure to ask your insurer about any discount opportunities that might apply to you.
4 Auto Theft Statistics in Oregon
According to Oregon's Department of Motor Vehicles, auto theft has been on the rise in Oregon for the past several years. In 2022, Oregon had some of its highest rates of auto theft ever recorded. Here are four statistics from that year:
Oregon was ranked third in the nation for total number of auto thefts, with over 8,400 vehicles reported stolen.
Oregon had the highest rate of auto theft for cars and light trucks, with a rate of 652 thefts per 100,000 registered vehicles.
Oregon's urban areas were particularly vulnerable, with the highest auto theft rate in Oregon occurring in Portland at 1,102 thefts per 100,000 registered vehicles.
Oregon also had the nation's second-highest rate of stolen luxury cars, with a rate of 4.7 thefts per 1,000 insured vehicles.
3 Benefits of Traffic School or Defensive Driving Classes in Oregon
Oregon is a state with a variety of driving conditions and laws that govern the roads. Taking traffic school or defensive driving classes can be beneficial for Brookings drivers in many ways. Here are three benefits of completing such courses:
Increased Knowledge of Oregon Laws: Oregon's varied terrain, from mountain passes to wet coastal roads, requires different types of safety measures to ensure safe travel. Traffic school and defensive driving classes provide Brookings residents with an up-to-date understanding of the relevant laws and regulations that govern their area, so they can drive safely and avoid tickets or other citations.
Improved Safety Skills: Oregon has some of the most beautiful scenery in the country, but it also comes with special traffic challenges. Traffic school and defensive driving classes help Brookings drivers hone their skills in navigating these unique roadways, so they can drive safely while enjoying all that Oregon has to offer.
Discounted Insurance Premiums: Oregon is known for its high insurance premiums, but traffic school or defensive driving classes may be able to lower the cost. Many Oregon insurers offer discounts on their rates for drivers who have completed such courses, and some may even waive points from your license if you complete the course with flying colors.
13 Interesting Driving Statistics in Oregon
Oregon is an exciting state to explore. With its scenic views, winding roads, and numerous attractions, it's no wonder that so many people choose Oregon as the destination for their road trips. But how safe is driving in Oregon? Here are 13 interesting driving statistics about Oregon:
Oregon has a total of 33,902 miles of public roads.
In 2019 alone, there were 173 fatal crashes in Oregon involving 252 fatalities.
The majority of these fatal accidents occurred on rural highways (48%).
Alcohol was a factor in 28% of all fatal crashes in Oregon in 2019.
Distracted driving was listed as either a primary or secondary cause of 14% of Oregon's fatal crashes in 2019.
Oregon was ranked 4th lowest for the percentage of vehicle miles traveled that were involved in an accident in 2017, at 0.90%.
Oregon's seatbelt usage rate is 94%, one of the highest rates in the nation.
Oregon has an average of 633 pedestrian and bicyclist fatalities per year from 2011-2015, with 19% of these fatalities occurring while the victim was walking or running across the road.
Oregon has a “Super Speeder” law which increases fines for speeding more than 25 mph over the speed limit on highways or 15 mph over the speed limit elsewhere and applies to all vehicles regardless of their registration status.
Oregon's insurance laws require all drivers to carry a minimum of $25,000 in liability coverage and $50,000 per accident for property damage.
Oregon has an open container law prohibiting the possession of an open alcoholic beverage while driving or in the passenger area of a motor vehicle on a public highway.
Oregon is one of only five states that don't have a statewide ban on texting while driving; however, there are local bans in many cities throughout the state.
Oregon has several toll roads including the Oregon Coast Highway and parts of Interstate 205 near Portland which require payment before entering or when exiting these highways. These tolls vary depending on the type of vehicle and the route taken. Oregon has also implemented a new statewide all-electronic tolling system on some highways which allows drivers to pay tolls electronically without stopping or slowing down.
What is the average car insurance rate in Brookings Oregon?
The average rate for Brookings is $1,471. Look for discounts to make this even more affordable.
What is the minimum coverage required in Brookings OR?
In Brookings Oregon, your policy must have at least $25,000 of coverage for injuries per person, up to a total of $50,000 per accident, and $25,000 of coverage for property damage.
How much is car insurance typically for 2 vehicles in Brookings OR?
Average cost for two vehicles in Brookings is $3,839. This can of course vary greatly with liability only, full coverage, or SR-22 insurance.
How can I get cheap car insurance in Brookings OR?
To get low cost car insurance in Brookings, OR, simply fill out the form above and compare quotes then pick the best one.