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By: Garth H.
Insurance Marketplace, Inc.
Our family has placed its insurance needs, including home, car, boat, collector cars, Part B Medicare and Drug coverage, and umbrella liablility protection with these folks for over 15 years. In a simple phrase, they know exactly what they're doing and always keep pace with the "Marketplace". Recently a certain carrier took a rather sharp raise in rates and our IMP rep was on it in short order, actually reducing what we had been paying. Best of all, the new carrier is an in-state company, which means more of the revenue remains in Oregon.
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By: Bret D.
American Family Insurance - Barbara Deforest Agency
Barbara and her staff first first class. You would be hard pressed to find an agent that has as much integrity and class as Barbara. She is extremely knowledgable about all phases of insurnace auto, home, life, business and more. You can trust her to give you the facts when discussing your insurance needs. Go see Barbara you won't be disappointed.
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By: Dena E.
Oscar Rodriguez - State Farm Insurance Agent
I went into Oscar's office to get another agent's opinion on a situation I had been trying to resolve for a month with my current agent. And, in less than 30 minutes Oscar helped to resolve the issue that the other agent drug out for over a month. Needless to say I am switching agents.
By: Leah V.
American Family Insurance - Barbara Deforest Agency
Very helpful and knowledgeable!! Answered any and all of my questions. All of the ladies in the office are very friendly and helpful!!! Would recommend American Family and Agency's services to everyone.
By: Robbie K.
Larry Nicholson - State Farm Insurance Agent
I have had insurance coverage with Larry Nicholson - State Farm since 1997 and they have always been there when I needed them.
Tips & Advices
By law, you need to be insured up to the minimum amount required in your state before getting behind the wheel of any car. Beyond that, your insurance needs will vary depending on your financial situation and the amount of risk you are willing to take on.
  • Full or comprehensive car insurance is the most expensive, but often the best deal for drivers who own an expensive car, those who commute frequently or anyone who lives in an area with extreme weather or high crime rates.
  • Drivers of less expensive or older cars usually save more by opting for the minimum required policy, along with some extra coverage if they can afford it. Since the cost of repairs might exceed the total value of an older vehicle, some owners forgo collision protection in favor of greater liability coverage or personal injury coverage.
If someone other than you causes an accident while driving your car, most insurance policies will still pay for damage, according to the rules that apply. However, it’s a good idea to check with the insurance provider to be sure this is the case. Regardless, either the at-fault driver or the actual policyholder will be responsible for paying for anything not covered by insurance. People who don’t own a car but frequently borrow or rent one might consider purchasing a non-owner policy to make up the difference.
Car insurance premiums might be tax deductible in certain situations, but only with the documentation to prove it. Insurance costs may be deducted as part of overall business expenses if you use that car for work-related travel. However, this does not generally apply to taxpayers who use the standard deduction when filing their income tax returns. If your car is used for business purposes often, save all insurance-related documentation, as well as receipts, invoices and other forms of proof that your vehicle expenses were for business purposes.
Car insurers set premium prices depending on every driver’s individual risk. A huge number of details are factored into every determination of insurance risk, so the cost of any two policies can vary widely depending on the driver’s personal attributes, accident history, location, vehicle type and much more. The type of coverage you choose also impacts what you pay - premiums for minimal liability coverage will almost always be lower than those of a universal coverage policy.
The cost of car insurance is highly variable, but according to the National Association of Insurance Commissioners, U.S. motorists pay around $900 per year on auto insurance.

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