Insurance quotes and assistance

Auto Health Home Life

Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

Oregon Insurance Guide

Home of the “Silicon Forest,” Oregon is a great place to do business and a great place to live. Home to humans since over 8,000 B.C., Oregon has developed insurance regulations that were definitely built to last.

Oregon Auto Insurance

Oregon auto insurance regulations have driver protection in mind but are not unaffordable for most. They require uninsured motorist coverage as well as personal injury protection (PIP) and are an at-fault state. They also require bodily injury and property damage liability coverages in the following minimums:

  • $25,000 Bodily injury for a single-person injury
  • $50,000 Bodily injury for a multi person injury
  • $10,000 Property damage liability

Oregon Health Insurance

Oregon health insurance regulations do not require guaranteed issue individual policies, but they do require some portability of policies so that you can get insurance as long as you have had 6 months of prior coverage. There is a state high-risk pool and contributions to health savings accounts can be deducted from state income taxes.

Groups with at least 2 members are considered eligible for Oregon group health insurance policies. Individuals within the group can have their pre-existing conditions excluded for up to 6 months if they had a 63 day or longer break in coverage over the past 6 months. Group rates are protected by an adjustable community rating which allows insurers to rate each group by community measures rather than individual experience.

Oregon Home Insurance

The Oregon home insurance regulations do not require individual homeowners (either with loans on their property or without) to carry home insurance. So while regulations don’t require it and the states low occurrence of natural disasters might make you think it unnecessary, it is still important to get quotes and carry home insurance coverage. Why? Because theft, fire, flood, storm damage and other incidents can cause damage to your home no matter where you live-and you need an effective means for paying for the repairs they necessitate.

Oregon Life Insurance

The Oregon Life and Health Insurance Guaranty Association was formed by the Oregon life insurance regulators in 1975 in order to provide benefits to state consumer’s whose insurers had become insolvent before paying legitimate claims. The association offers up to $300,000 in death benefit protection and $100,000 in cash surrender value protection.

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