Why should I purchase insurance through an agent?
Our agency offers personalized and professional service! In a world when individuals are “lost in the system” you should be receiving the attention you deserve. Our agency will act as the gateway between you and the insurance world. We will never use terms you do not understand, or trick you into anything strange. Our agency will constantly review your coverage and insurance to make sure that you are protected and getting the best deal. 

What is “full coverage” auto insurance?
This is not an official term in the insurance industry, but “full coverage” is generally referred to as auto insurance coverage that covers your car in an accident resulting from your fault or another driver’s fault. Some people choose to only carry “state minimums” which does not require that you protect your own vehicle. In other words, if you carry “full coverage” and hit another car (your fault) or hit a pole (your fault), then your car’s damage will be covered. You must first pay a deductible and your insurance company will cover the rest.

How can I get cheap insurance?
There are many factors that drive the rate for your insurance up and down. Driving a safe car with a good driving record, while consistently carrying high coverage can help you keep a lower auto insurance price. Not smoking and living a healthy, active lifestyle will help you when it comes to life insurance premiums. Maintaining a safe and well kept home will help with your homeowner’s insurance premium. Your personal situation also plays a roll, such as keeping in good credit standing. Fortunately, our agency offers many discounts for all forms of insurance. The most popular of these are: multi-policy discount, multi-car discount, good student, clean driving record, and the prior insurance discount.     

Can my friend drive my car?
As long as your friend is not specifically excluded from your auto insurance coverage, they will likely be protected by your insurance. You must give your friend permissive usage of the vehicle, and yes- they need to have a valid driver’s license! Don’t forget though, that in the case of an accident, your insurance record will take the hit! 

Who needs life insurance?
Everyone who values his or her life needs life insurance! You insure your car, so why would you not insure your life also? However, life insurance is best for those whose death would financially impact the lives of friends and/or family. Most importantly, proper life insurance can allow those left behind time to grieve and prepare for the future. 

I rent an apartment. How can I insure my stuff?
Many people do not know that if your backpack is stolen from your car’s trunk that it will not be replaced by your auto insurance. If you are a homeowner in the state of Oregon, you are required to carry homeowner’s insurance and this would cover such a loss. However, for people who rent apartments, coverage is also available. It is called renter’s insurance. It very affordable and carries other coverage as well. You can even receive a discount if you purchase both auto insurance and renter’s insurance from our agency.

Do you sell health insurance too?
Yes! If you are also searching for health insurance coverage, please contact our agency and will help you with this type of necessary insurance as well!

Do you have any more questions? Please call me at (503) 347-7235 or email me at senglund@farmersagent.com.
Please keep in mind this not official insurance advice and/or law.
Every state and company require and provide different coverage.