When shopping for auto insurance, picking a good Oregon insurance agent is harder than just using the same insurance agency as your neighbor. You require a good agent, but also need competitive auto insurance rates.
Since consumers have many insurance providers from which to choose, it can be challenging to find the most affordable insurer.
Local Grants Pass auto insurance agents
Insurance agents can answer important questions and help you file claims. One of the best bonuses of comparing insurance prices online is you may find better rates and still choose a local agent.
For easy comparison, once you complete this quick form, your coverage information is transmitted to insurance agents in Grants Pass who will return price quotes to get your business. There is no reason to leave your house because quoted prices will be sent immediately to your email address. Now that’s easy!
Picking a car insurance agent should depend on more than just the bottom line cost. These are valid questions to ask:
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Will your rates increase after a single accident?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Is their price quote a firm figure or are their hidden costs?
- Are you getting all the discounts the company offers?
- Do they make recommendations based only on price?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
Compare rates from both independent and captive car insurance agents
When finding a reliable agent, there are a couple of different agency structures from which to choose. Agencies in Grants Pass are categorized either captive or independent (non-captive). Both properly insure your vehicles, but it’s good to learn how they differ since it can impact your agent selection.
Captive Insurance Agents
Captive agents work for only one company and some examples include American Family, Liberty Mutual and AAA. These agents are unable to place coverage with different providers so they have to upsell other benefits. Captives are well schooled on their company’s products which helps them compete with independent agents. Consumers frequently purchase coverage from captives mainly due to the brand legacy and the convenience of having a single billing for all their coverages.
Shown below are Grants Pass captive agencies who can help you get price quote information.
- American Family Insurance – 260 NE Agness Ave – Grants Pass, OR 97526 – (541) 956-4989
- State Farm Insurance – 1622 Williams Hwy – Grants Pass, OR 97527 – (541) 474-4900
- Allstate Insurance – 824 Rogue River Hwy # B – Grants Pass, OR 97527 – (541) 479-3000
Independent Agents
These agents do not work for one specific company but rather can write business with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally and that require little work on your part.
When comparison shopping, you should always include price quotes from several independent insurance agents to get the best comparison. They often place coverage with smaller regional carriers which may provide better rates.
Below is a short list of independent insurance agents in Grants Pass who can help you get price quotes.
- Stacey Huntington Agency – 942 SW 6th St # H – Grants Pass, OR 97526 – (541) 476-6144
- Bill Thorp Insurance – 323 NE 7th St – Grants Pass, OR 97526 – (541) 479-3339
- Paul Garcia Agency – – Grants Pass, OR 97526 – (541) 472-8047
- Three Rivers Insurance – 505 NE 7th St # 1 – Grants Pass, OR 97526 – (541) 474-2712
- Blaine R Clark Agency – 601 SE 7th St – Grants Pass, OR 97526 – (541) 476-6888
For a full directory of auto insurance agents in Grants Pass, please go to this site.
After receiving reasonable responses to your questions and a low price estimate, you have narrowed it down to an auto insurance agent that meets your needs to properly service your auto insurance policy.
Can you save money by buying online?
Insurance agencies are important, but you can also buy Oregon car insurance direct online. Certain companies who have local agents in Grants Pass also let you get quotes and purchase online, so keep that in mind if you are the do-it-yourself type.
If you’re anxious about having to choose coverages yourself when shopping online, this is normal but is quickly overcome. Online insurance companies have toll-free phone numbers and other options for getting questions answered.
Does buying online save money? That question is hard to answer due to the fact that there are many factors that impact your final bill. It’s a common assumption that purchasing direct online lowers rates due to not having any agent compensation. But the reality is advertising and marketing take a lot of money so the rates may be similar to buying from an agent.
Do the work, save more money
People leave their current company for a number of reasons such as extreme rates for teen drivers, denial of a claim, policy non-renewal and even delays in responding to claim requests. It doesn’t matter what your reason, choosing a new company is pretty simple and you could end up saving a buck or two.
Discount auto insurance is possible online as well as from independent agents in Grants Pass, and you need to price shop both in order to have the best chance of saving money. Some auto insurance companies don’t offer online quoting and usually these small insurance companies provide coverage only through local independent agents.
Informative consumer insurance sites
Even more information can be found at the Oregon Insurance Division website. Oregon consumers can read industry bulletins, view agent and company licensing information, report car insurance fraud, and read state legal mandates and laws.
Other useful links include III.org’s auto insurance page and this list of insurance agents in Grants Pass.
