Your Local Hillsboro Independent Auto Insurance Agency
We work with many of the top Auto Insurance companies to provide you with Great Coverage, Competitive Rates and Amazing Service. As an Independent Car Insurance Agency our first priority is YOU, We under stand if you don’t get the service, selection and value you deserve you can find another agent, there are thousands of agents but one one of you. To us you are more than a client you are a neighbor and a friend. We shop at the same stores, our kids go to the same schools, we are apart of the same community. We are a firm believer in SHOP LOCAL, but we also believe that as a Local business we are held to a higher standard and must provide a great service at a great value in order to earn your trust and your business.
Get the auto coverage you need
As an Independent Agency we work with many Companies to provide you with the right coverage at the right price. We can provide you with quotes from over 10 different Companies. Let us help you shop for the right coverage at a price you can afford.
Auto Insurance 101
Car insurance can be confusing for most consumers; there are so many different types of auto insurance and it can be difficult to determine the type of insurance coverage you’re required to carry versus the types of car insurance coverage that you really should carry in order to protect yourself but that are not required.
When considering how much car insurance you should have, it is best to do some research and find out what type of automotive insurance is required by Oregon, unless you live in another state. We do have a number of snowbirds who live part of the year here in Oregon, and enjoy the warmth of Arizona in the winter in their RV. Not all states require the same levels of insurance and it may differ if the vehicle is a car, truck, commercial truck, RV, Diesel Pusher, or trailer. Some states require more types of coverage than others and states also vary in terms of the amount of coverage that is required. So, be sure you know exactly what the minimums are in the state where you live, whether it is in Oregon, Washington, or Arizona.
You should also understand what is covered by the different types of insurance in order to understand whether you need insurance coverage above and beyond the minimum required by your state of residence. Of course, as your independent Insurance Agent, we can help you find just the right insurance to give you maximum coverage at a low cost.
Bodily injury liability
Personal Injury Protection (PIP)
Is for the loss of your vehicle due to damage by something other than a collision such as theft, fire, natural disaster, vandalism, etc. Again, your lender will probably require this coverage for a financed vehicle. Once your loan is paid off, it’s up to you whether you want to continue carrying comprehensive and collision coverage.
Underinsured Motorist Coverage
Steps in when you’re in an accident with an at-fault driver whose liability limits are too low to cover the damage or medical expenses.
Examples: Motorhome, RV, Boat, Jet Skis, Quads, Snowmobiles, Classic Cars, Old Military Vehicles and many others.
Per Person & Per Accident
In your Policy you will see something like this: 100/300/50 here’s how to translate that:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $50,000 property damage per accident.
Per Person: amount is the most the policy will pay to a single person involved in the accident
Per Accident: this is the amount the policy will pay for the whole accident so if you are at fault for an accident and a person