Category: Auto Insurance

If you’re an Oregon driver seeking to protect your vehicles from accidental damage and high repair costs, consider investing in a comprehensive insurance policy. Below is a guide detailing how comprehensive insurance can secure your vehicle and your personal finances.

Understanding Local Traffic Patterns

While Albany isn’t a significant metropolitan area, this midsized town encounters its fair share of automobile accidents, collisions with animals, theft, and vandalism. Local drivers can safeguard their autos and finances by investing in comprehensive auto insurance from trusted local professionals at Allen & Associates Insurance Inc.

Precautions Against Weather and Natural Disasters

Albany drivers often face weather factors like heavy rains, hail, and strong winds that can contribute to accidental damage. Intense summers can also affect local driving conditions, leading to damages or out-of-pocket expenses for accident-related claims and repairs.

Safeguarding Your Vehicle Against Theft or Vandalism

Though less common in Albany, OR, than in larger cities, auto theft and vandalism occur, which could result in thousands of dollars in out-of-pocket expenses for vehicle repairs or replacements.

Protect Your Oregon Auto with Comprehensive Insurance

Local drivers can achieve peace of mind by contacting trusted insurance professionals to initiate a comprehensive auto insurance policy. An experienced insurance agent can assist local drivers in creating a personalized policy that meets their safety, budgeting, and total automobile protection needs.

Don’t wait until you face the devastating effects of natural disasters or theft to protect your automobile. Contact the expert and cordial insurance agents at Allen & Associates Insurance Inc. in Albany, OR, and request a free auto insurance quote today!

If you live in the Albany, OR area, you will find that owning a car is a good idea. If you are going to shop for a vehicle, it is also an excellent option to get insurance. An auto insurance plan will provide various advantages and benefits for those who hold policies in the state of Oregon. 

Ability to Replace or Repair Vehicle

One form of value that will come with an auto policy in this part of Oregon is that you will be able to repair or replace your vehicle if you incur a loss. When your vehicle is stolen or damaged, the cost to either make repairs or get a new car is significant. However, if you continue to carry an auto plan, you could receive the financial support you need. 

Liability Support

It is also helpful to have an auto plan, as you will receive liability support. There is always going to be a risk that you cause an accident when you are driving. If this does occur, you need to be able to cover the damages that come with it. If adequately insured, you will have the support to cover such costs. 

When shopping for a car in the Albany, OR, area, you will soon find a lot of value that comes with having a full auto insurance plan. As you evaluate options, you can call our Allen & Associates Insurance Inc. team to discuss your needs. Our insurance team with Allen & Associates Insurance Inc. will give any guidance you need to build a new plan to ensure your options are understood and that you get a quality plan. 

Driving offers many opportunities to live a more independent lifestyle. At the same time, it’s a responsibility that shouldn’t be taken lightly. One of the first decisions you’ll make as a new driver is choosing auto insurance to protect you and others on the road. At Allen & Associates Insurance Inc., we offer a variety of coverage options and can help you determine the protection you need in Albany, OR. 

Required Auto Insurance in Oregon

Like most states, Oregon requires that drivers have a minimum amount of liability coverage by law. This coverage pays for injuries or property damage of others in accidents you cause. Minimum liability insurance, however, may not be enough to cover the damage of a serious accident. If not, you may have to pay the remaining bills out of pocket. Therefore, we recommend you purchase more than just the bare minimum to protect you from financial loss.

Recommended Auto Coverage for New Drivers

Although auto accidents can happen to anyone, new drivers are at greater risk of mishaps due to their lack of experience on the road. Having sufficient insurance protection can offset any damage an accident can cause. In addition to liability coverage, we recommend the following:

Collision coverage – to help pay for your vehicle repairs if you collide with another vehicle, an animal, or an object (tree, fence, light post, etc.)

Comprehensive – to cover damage to your vehicle from non-collision events like vandalism or inclement weather. It also covers the cost of replacing your vehicle if it’s stolen.

Uninsured motorist – to help cover your damages if you’re hit by someone with insufficient insurance coverage.

Get Quality Coverage Today

At Allen & Associates Insurance Inc.,  serving the greater Albany, OR metroplex, you can count on quality auto insurance coverage to best meet your needs. Contact us today for all your auto insurance needs.     

In Albany, OR, it is important to understand the relationship between auto insurance and flood damage. Although floods can cause a great deal of destruction, not all forms of auto insurance policies cover the resulting damages.

Allen & Associates Insurance Inc. wants you to understand exactly what type of coverage you have and how much it will cost for additional protection if necessary.

What Does Auto Insurance Cover?

In general, standard auto insurance policies are designed to provide coverage for accidental damage or loss caused by an event that is not specifically excluded from the policy. This means that most policies will provide at least some level of coverage for damages caused by a collision with another vehicle, theft, or vandalism.

However, many policies also exclude certain types of events such as floods or earthquakes. If your policy does not specifically list flood damage as being covered, then it is likely that you won’t receive any compensation for any damages incurred due to flooding.

Additional Coverage Options

If you want additional protection against flood damage, you may be able to purchase a separate policy that covers this type of damage specifically. These policies are typically available through private insurers. They can be quite affordable depending on where you live and how much risk you’re willing to take on.

These policies often have high deductibles and limited coverage amounts; however, they can help protect your car from potential financial losses due to flooding if something should happen.

Contact Us Today

Understanding your auto insurance policy and knowing what it covers (and does not cover) is essential when it comes to protecting yourself from potential financial losses due to floods in Albany, OR.

Got more questions? Contact Allen & Associates Insurance Inc. today, and we’ll answer!

When buying a car, one of the decisions you have to make is whether or not to buy auto insurance from the dealer. This can be a difficult decision, especially since it can be hard to know what is the best option for you. Allen & Associates Insurance Inc provides this guide in navigating this important coverage. Here we discuss some of the pros and cons of buying auto insurance from your car dealer.

Purchasing Auto Insurance: What You Need To Know

The Pros of Buying Auto Insurance From a Car Dealer

One of the main benefits of buying auto insurance from a car dealer is that it can be convenient. If you’re already at the dealership buying your car, it can be easy to add on auto insurance as well. This can save you time since you’ll not have to go to another location to purchase your insurance.

Another benefit is that they may offer discounts. Some dealerships have relationships with specific insurance companies and can offer their customers discounts. This can save you money on your premium, which is always a good thing.

The Cons of Buying Auto Insurance From a Car Dealer

One of the main drawbacks of buying auto insurance from a car dealer is that it may be more expensive. Since dealerships are typically trying to make a profit on everything they sell, they may charge more for auto insurance than you would pay if you went directly to the insurance company.

Another downside is that you may not have as many options. When you purchase insurance from a dealer, you’re usually only able to choose from the companies they have relationships with. This can limit your coverage options and may not give you the best deal possible.

Give Us A Call

As you can see, there are both pros and cons to buying auto insurance from a car dealer. You’ll need to weigh the benefits and drawbacks to decide if it is the right option. If you have any questions or need help finding the best auto insurance for your needs, contact Allen & Associates Insurance Inc in Albany, OR.

Allen & Associates Insurance Inc is an independent insurance agency located in Albany, OR. We offer a wide range of insurance products, and our goal is to find the best coverage at the most competitive price. Contact us today for an insurance quote.

If you want to make sure that your classic car has the protection it needs, turn to Allen & Associates Insurance Inc. We are here for the classic car enthusiasts in the greater Albany, OR area. Give us a call to find out more about the classic car policies that are available in OR.

Protect your classic car with the right policy

Classic cars need different policies than your regular old automobile. Typically, they are more of an investment than a means of transportation. Because you don’t use them for getting from Point A to Point B, the type of insurance that you need is different. 

Your insurance agent will want to know about the following:

• Is your car a restoration, a kit car, or a true classic?
• Do you participate in classic car shows?
• Is the classic car kept in a temperature-controlled storage area?

These are just a few of the different aspects of classic car ownership that can affect your insurance needs. The most important thing to remember is that your regular auto insurance policy will not be sufficient to protect your classic car. Your local agent will be able to review your needs and suggest an appropriate policy.

Make sure that your classic car has the protection it needs. This will allow you to protect both your investment now and in the future, as well as the joy that comes with owning such a unique and wonderful vehicle.

Call or stop by today!

Allen & Associates Insurance Inc. wants to help classic car owners in the Albany, OR area protect their investments. If you want to ensure that your car has the protection it needs, get in touch. We are here for you! 

If you own a car, auto insurance is one of the first things you need to think of. Driving without insurance is considered illegal and can lead to certain consequences. Therefore, if you become a car owner, you should consider a proper auto insurance policy that will protect you, your vehicle, and other people on the road. If you are currently shopping for auto insurance, here is a list of things that are important to know:

What Should You Know About Auto Insurance?

• There are certain factors affecting the cost of auto insurance. They are the model of the age, its age, your credit history, marital status, gender, high-risk violations, location, zip code, and some others. 
• Higher deductibles mean lower premiums. If you want to lower your monthly insurance payments, you can raise your deductible – the amount you pay out of your pocket before your insurance will cover the rest. 
• There is the minimum coverage required by the state of Oregon that every driver has to carry. However, it may not be enough, and it might be a good idea to get additional types of coverage, such as collision, comprehensive, uninsured and underinsured motorist, medical payments, and personal injury protection. 

Allen & Associates Insurance Inc. – Your Trustworthy Insurance Company In Albany, OR

If you live in the state of Oregon and are currently looking for proper auto insurance that will protect you and your vehicle on the road, you should contact Allen & Associates Insurance Inc. – the reliable insurance company serving clients in Albany, OR and other nearby towns. If you need any help with finding the perfect auto insurance policy based on your needs, do not hesitate to give us a call or visit our website for more detailed information. 

Traveling is often a fun pastime or career option for many people. However, if you travel a lot for work or pleasure, you need an auto insurance policy that works for your Albany, OR vehicle. We can help you figure out your needs here at Allen & Associates Insurance Inc.

Travelers Need Comprehensive Packages

Regular travelers are likely to run into more accident or auto problems than those who rarely drive. Unfortunately, it’s just the law of averages — your risk goes up every time you’re on the road. This situation may require you to get a comprehensive range of policies that protect you from financial struggles.

But what kind of coverage options will you need to protect yourself from serious trouble? Just a few options that are more than worth your consideration as a traveler include:

• Liability coverage to protect against bodily injury and property damage
• Uninsured protection for motorists who don’t have a good policy
• Collision coverage that will repair your car after it hits an object
• Comprehensive policies that cover anything not caused by collisions
• Personal Injury Protection to pay for medical expenses after an accident
• Medical payment help to pay for anything you owe to people injured by a crash

Talk to your insurance provider to learn more about the different options that you can consider. Often, many companies will create coverage options specifically for travelers that consider their needs, including high-mileage protection and breakdown help.

Where to Get a Policy You Can Trust

Regular travelers like you deserve an auto insurance policy that makes sense for their needs. So please don’t hesitate to contact us at Allen & Associates Insurance Inc. to learn more. We serve Albany, OR and the surrounding area and will do what we can to help you thrive in your business or vacation travel.

You already know you need to have auto insurance coverage to stay legal on the roads here in Albany, OR. But did you know that there’s no such thing as a one-size-fits-all policy? That’s why it is important to discuss your needs with our Allen & Associates Insurance Inc. team. Here are three tips to ensure you have the right auto insurance coverage.

Tip #1: Decide If You Need Full Coverage

Do you actually need the coverage you have? If your vehicle is paid off or older, it might make more sense to have liability-only coverage. However, there are quite a few different elements that go into making such a big decision, making it super important to talk to an agent before you downgrade your policy.

Tip #2: Make Sure You Have Enough Coverage

While having state minimum limits might be okay to keep you from getting a citation, they’re usually not enough to keep you fully protected. After all, costs add up quickly after an accident claim, and there could be a chance that you don’t have enough. Instead, make sure you’ve discussed your financial situation with your agent to talk about limits, deductibles, and other aspects of your car insurance policy.

Tip #3: Check Annually

Life moves fast. That’s why it is so important to sit down with your trusted insurance agent and review your auto policy annually. We’ll go over your current life circumstances, driving record, and much more during that meeting. With so many factors affecting your rates, it is important to make sure you’re always getting an accurate premium estimate and qualifying for the right discounts. In the best case scenario, we might be able to save you some money.

Are you ready to review your Albany, OR car insurance policy to ensure you have adequate coverage? Please contact our team at Allen & Associates Insurance Inc. to schedule an appointment.

You’ve worked hard to restore your classic car or truck. However, if you’re relying on basic auto insurance, you could be missing out. Here’s what our Allen & Associates Insurance Inc. team wants Albany, OR residents to know about how classic car insurance is different than regular insurance.

Classic Car Insurance vs. Auto Insurance

Classic car insurance is technically a kind of auto insurance. It still includes liability coverage, and you can still get comprehensive and collision insurance. However, the biggest difference is how the vehicle is rated in terms of the auto value.

For example, if you have a restored 1967 Corvette and you get into an accident with regular insurance, you’ll likely only receive a small amount of the value. Classic car insurance, however, goes off of the market value for that particular vehicle amongst collectors. With this type of policy, you could get considerations of the full value, including any modifications or restorations you’ve made.

Is Your Car a Classic or an Antique?

There are also age guidelines that determine whether a vehicle is standard, classic, or antique. Generally, classic defines anything that is ten to twenty-five years old or has a substantial unique interest, like a muscle car. Antique is anything over twenty-five years old.

Cost of Classic Car Insurance

Overall premium cost is another area where classic car insurance is different from regular auto insurance. Why? Well, it all comes down to risk. Classic cars are usually parked in a garage and not out on the road like a daily driver. The car you drive to and from work has a greater chance of getting into an accident than one that is parked safely in storage; thus, the insurance cost for a regular vehicle is often higher.

Do you have a classic vehicle that you would like to insure in Albany, OR? Please give our Allen & Associates Insurance Inc. team a call today to schedule an appointment.