Category: Auto Insurance

Car theft is a valid concern for every vehicle owner. However, you can take several steps to limit this risk. At H & R Insurance Group LLC in Portland, OR, we’re eager to share practical tips to help keep your vehicle safe.

Careful Parking Can Make a Difference

The spot where you park can significantly impact your vehicle’s safety. Always prefer well-lit and busy areas where thieves are less likely to operate unnoticed. If you own a garage, use it to safeguard your vehicle not only from theft but also from potential weather-related damage.

Secure Your Vehicle Intelligently

Always lock your doors and close your windows upon leaving your car, even if it’s for a few minutes. Avoid leaving valuables visible, as this makes your vehicle an attractive target for thieves. Instead, stow them in the trunk or take them with you.

Invest in Safeguards

Consider incorporating additional safety measures like an alarm or steering wheel lock. These enhancements can deter thieves and even entice them to choose an easier target. Also, some insurance companies may offer discounts for cars equipped with certain security devices.

Key Management Matters

Never leave your car keys in the vehicle; be mindful about storing spares. Hiding a spare key in or on your car can be counterproductive. Seasoned thieves know to look for these, so keeping your spare keys at home is safer.

Implementing these steps significantly reduces the risk of car theft. For more helpful tips or to discuss your auto insurance needs, contact H & R Insurance Group LLC in Portland, OR. Our goal is to help protect you.

Maintenance records play a pivotal role in auto insurance claims in and around Portland, OR. They document the vehicle’s history and can indicate if negligence has contributed to accidents or injuries.

Establishing Vehicle Maintenance History

Maintenance records present a detailed history of the vehicle’s care and upkeep. This includes routine services, repairs, and inspections performed by certified mechanics or service centers.

Demonstrating Vehicle Condition

Detailed maintenance records serve as tangible proof of the vehicle’s condition before an incident. They reveal the vehicle’s mechanical integrity and performance, which could have contributed to the claim event. This information assists insurers in evaluating the vehicle’s pre-existing condition and any potential impact on the claim.

Supporting Claims for Comprehensive Coverage

Maintenance records can confirm the vehicle’s overall condition and value in comprehensive coverage claims cases—such as theft or vandalism. Insurers may utilize this data to verify the vehicle’s worth and assess the required compensation or repair coverage. Comprehensive maintenance records improve the precision and legitimacy of insurance claims made under such circumstances.

Enhancing Safety and Reliability

Regular maintenance enhances vehicle safety and reliability while decreasing the possibility of accidents or mechanical failures. Insurance providers may look favorably upon vehicles with consistent maintenance records, potentially influencing premium rates or coverage conditions. A well-maintained car signals lesser risk, leading to more favorable insurance outcomes.

Facilitating Claims Processing

Maintenance records can speed up assessments and decision-making in the claims process. Insurers can promptly review documented maintenance to validate claims and determine coverage eligibility. This efficient process minimizes delays and ensures swift claim settlements, which is beneficial for both policyholders and insurers.

H & R Insurance Group LLC Helps Guide You

H & R Insurance Group LLC is here to guide you and demonstrate how auto insurance can offer long-term savings. Our team serves the Portland, OR area. Contact us today.

At H & R Insurance Group LLC, we feel it is our mission to provide quality, affordable car insurance and to make driving in the Portland, OR, area safer. One way we feel that is possible is by promoting defensive driving techniques.

What is defensive driving, and what are its benefits?

Defining Defensive Driving

Defensive driving promotes driver awareness to anticipate problems drivers may encounter on the road. This includes the actions of pedestrians, bicyclists, pets, emergency vehicles, and other drivers.

Simply put, it is avoidance of accidents by better anticipating what the other person may do.

What is Involved in Defensive Driving?

Defensive driving involves anticipating issues before they occur. For example, a child running between parked cars, a motorist accelerating to beat a red light, or a driver not fully stopping at a stop sign. The purpose of defensive driving is to anticipate and react to hazardous driving situations before they become a problem.

Benefits of Defensive Driving

Beyond reducing accidents and injuries, defensive driving can ultimately result in lower car insurance rates. Some companies may offer discounts for drivers who complete a defensive driving course.

Get a Quote Today

It is simple. Becoming a safer driver is one of the best ways to save on car insurance rates. Defensive driving can help you eliminate accidents and traffic citations.

If you are a driver in the Portland, OR, area, we encourage you to get a policy quote from H & R Insurance Agency LLC today. By answering a few questions, you may be able to find a better rate on your car insurance.

Want better car insurance rates? Drive defensively and contact H & R Insurance Agency LLC.

Have you ever wondered what would happen if you just didn’t pay your Portland, OR car insurance? It’s not a good idea because it could be severely costly for you financially and legally. Here’s what our team at H & R Insurance Group LLC can tell you about this idea.

You Get a Warning But Could Lose Your Policy 

Missing an insurance payment isn’t automatically going to get your policy covered. You typically get a warning from your provider that lets you know you missed it. You’ll have to pay more money to cover the next payment and might even pay a fee to get it back. 

Note that during this time, you won’t have coverage. As a result, you could get into serious trouble if you get into an accident. It’s a situation where you simply can’t afford to find yourself here, so it’s important to find ways to get your policy active to avoid any problems. 

Other Long-Term Issues 

The troubling thing about missing a payment is that yes, your coverage team could cancel your policy if they want. Furthermore, they could increase your premium or even get you put into a “high-risk” insurance bracket that costs more money. Some might even experience collections.

What if you’re leasing your vehicle? Could you lose it? Absolutely, and that’s a scary situation to be in as a driver. Furthermore, you could even get into real legal trouble if you get pulled over and don’t have insurance or if you get into a crash and are to blame for it. 

Get a Hold of Us

If you live in Portland, OR and need great car insurance, make sure that you call our team at H & R Insurance Group LLC to learn more. We can help you find a policy that suits your needs and will work hard to make sure that you’re happy with your options and satisfied with your coverage.

When you are getting your auto insurance, there are some required coverages you need to carry and others that are optional. In Portland, OR, H & R Insurance Group LLC has a team of agents dedicated to providing the highest level of customer service. We are independent agents who work for our customers, not for an insurance company.

The required auto coverage in Oregon is 25/50/20. This is strictly liability coverage. It is $25,000 for one person injured in an accident you are responsible for, $50,0000 for all the injuries in the accident, and $20,000 for property damage. This protects other drivers from you but doesn’t do much for you. If you lease a vehicle or have a car loan in which case you will need to cover the vehicle as well. 

Auto Insurance Add-ons

Collision

Collison covers your vehicle in an accident where you are responsible, whether it is a two-car accident, a one-car accident, or a hit-and-run. There will be a deductible, but the vehicle should be repaired or replaced. 

Comprehensive 

Comprehensive coverage is non-collision coverage. It includes all kinds of other things that damage your vehicle. Flooding, high winds, hail, vandalism, and even theft are all covered. It also offers glass coverage. Comprehensive coverage also has a deductible.

Total glass

Total glass coverage replaces your windshield or other glass with no deductible.

Gap coverage

If you have a new vehicle, it might be a good idea to have this coverage which will pay the difference between what the insurance company pays you for your vehicle and what you own on your auto loan. You don’t want to end up in the red. 

Consult With Us

Call H & R Insurance Group LLC  if you live in or near Portland, OR. We can provide the level of service and the options that you require.