Things You Must Know Before Shopping for Klamath Falls Auto Insurance Online

Saving money on Klamath Falls auto insurance can seem to be difficult for people who are new to shopping for insurance online. Drivers have so many choices that it can easily become a challenge to find lower rates in Klamath Falls.

Consumers should take time to compare rates quite often because rates are rarely the same from one policy term to another. Even if you got the best price a few years ago there may be better deals available now. Block out anything you think you know about auto insurance because you’re about to learn one of the quickest ways to reduce your cost while improving coverage.

Be sure to get all your discounts

Companies do not advertise every discount in a way that’s easy to find, so the following is a list of both well-publicized as well as the least known discounts you could be receiving.

Federal Employees – Simply working for the federal government may qualify you for a discount with select insurance companies.
Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class in school.
Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
Homeowners Pay Less – Owning a home in Klamath Falls may trigger a auto insurance policy discount because maintaining a house shows financial diligence.
Military Discounts – Being on active duty in the military can result in better rates.

Drivers should understand that most discounts do not apply to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way.

To see a list of companies offering auto insurance discounts in Oregon, follow this link.

Price shop online but buy from a local Klamath Falls agent

Certain consumers would prefer to sit down with an agent and that is just fine! The best thing about price shopping on the web is you may find the lowest rates but still work with a licensed agent.

After filling out this form (opens in new window), the coverage information is immediately sent to insurance agents in Klamath Falls who will give you bids for your insurance coverage. There is no reason to leave your house as quotes are delivered straight to your inbox. Now that’s easy! Get lower rates and a licensed agent to work with.

Picking an insurance company requires more thought than just the price. Some important questions to ask are:

Is their price quote a firm figure or are their hidden costs?
Is the agency involved in supporting local community causes?
Do the companies they represent have a solid financial rating?
Do clients work directly with the agent or are most inquiries handled by a CSR?
What insurance companies do they work with?
How much can you save by raising your physical damage deductibles?
Are you getting all the discounts the company offers?
Can glass repairs be made at your home?

Not all auto insurance agents are the same

When researching a reliable agent, there are two types of insurance agents from which to choose. Klamath Falls agents are categorized either independent or captive.<img class="alignright" style="padding-top:15px" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-103.jpg" alt="lower rates in Klamath Falls” />

Agency Captives

Captive agents have only one company to place business with and examples are AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They usually cannot shop your coverage around so always compare other rates. Captives are trained well on the products they sell which helps them compete with independent agents. Consumers often buy insurance from these agents mostly because of the brand legacy and strong financial ratings.

Listed below are captive insurance agents in Klamath Falls who may provide you with comparison quotes.

State Farm Insurance – 4729 S 6th St # A – Klamath Falls, OR 97603 – (541) 882-6619
Farmers Insurance Group – 133 S 8th St – Klamath Falls, OR 97601 – (541) 882-7303
Allstate Insurance – 201 Main St # B – Klamath Falls, OR 97601 – (541) 883-1212

Independent Insurance Agents

Independent insurance agents are not locked into one company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to find a new agent. When comparison shopping, you should always include price quotes from at least one independent agent to get the best comparison. They also have the ability to place coverage with smaller regional carriers which can be an advantage.

The following are independent insurance agencies in Klamath Falls that are able to give comparison quotes.

Northern Insurance Svc – 905 Main St # 512 – Klamath Falls, OR 97601 – (541) 273-9672
Dreyer-Peterson Agency – 3820 Shasta Way – Klamath Falls, OR 97603 – (541) 884-7101
Simmons Agency – 3020 Shasta Way – Klamath Falls, OR 97603 – (541) 882-5555
Nolte Fuller Insurance Ins – 432 S 7th St – Klamath Falls, OR 97601 – (541) 884-6067

For a full directory of licensed insurance agents in Klamath Falls, view this link.

Once you have received answers to your satisfaction to your questions and an acceptable price quote, most likely you have located an insurance agent that meets your needs to properly insure your vehicles.

Can you really save that much by switching?

Auto insurance providers like State Farm and Allstate continually stream television and radio advertisements. They all say the same thing that you’ll save big after switching your coverage to them. But how can every company make the same claim?

All the different companies can use profiling for the right customer that makes them money. For example, a preferred risk might be between the ages of 40 and 55, has no tickets, and has a short commute. A propective insured who matches those parameters will get very good rates and most likely will pay quite a bit less when switching companies.

Consumers who don’t measure up to the requirements will be charged higher prices and this can result in business not being written. The ads say “people who switch” not “people who quote” save that much. That is how companies can truthfully advertise the way they do. That is why drivers must compare as many rates as you can. It’s just too difficult to predict which insurance companies will fit your personal profile best.

More tips and info about auto insurance is available at the Oregon Insurance Division website. Consumers can get help finding coverage, read industry bulletins, read state legal mandates and laws, and file complaints about an insurance agent or broker.

Summing up your auto insurance search

Consumers switch companies for a variety of reasons including delays in paying claims, extreme rates for teen drivers, unfair underwriting practices or policy non-renewal. It doesn’t matter why you want to switch choosing a new company is actually quite simple.

In this article, we presented some good ideas how to compare auto insurance prices online. The key thing to remember is the more you quote, the better likelihood of reducing your rate. You may even discover the most savings is with a small mutual company.

As you go through the steps to switch your coverage, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where an insured cut physical damage coverage and learned later that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage for the lowest price while still protecting your assets.