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Oregon law requires all drivers to carry at least minimum levels of liability insurance on their cars.
Your premium is based on:
- your age
- where you live
- how much you drive
- the age, make, and model of your car
- your marital status
- your driving record
- your car's safety features
- the levels of coverage you choose
We want to provide you with the best insurance to fit your needs. We look at many details when
choosing the best insurance company for the best price available. We also focus on many other
factors, such as the quality of service provided, the claims process, policy provisions, and coverage limits.
You should be prepared with the following information:
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The levels of coverage you need. Buy enough to protect your assets; minimum levels of coverage may not be enough:
-- Bodily Injury and Property Damage Liability (Oregon law requires a minimum of $25,000 per person/$50,000 per accident for injury to others and $10,000 for damage to the property of others);
-- Personal Injury Protection (PIP) (Oregon law requires a minimum of $10,000 per person);
-- Uninsured Motorist coverage (Oregon law requires a minimum of $25,000 per person/$50,000 per occurrence for bodily injury);
-- Comprehensive/Collision coverage (optional).
- Your driving record (you can get a copy of your Oregon driving record from the Division of Motor Vehicles).
- Your driving distance from home to work.
- Your car's make, model, year, and any safety or security features.
- Your average annual mileage.
Ed Malone Agency © July 1999
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Last revision date 03/08/04
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