5 Things to consider before switching insurance in Klamath falls, OR

5 Things to Consider Before you Switch Your Insurance

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Switching your insurance policy can save you hundreds of dollars a year. But, make sure you consider these things before you make the switch.

5 Things to consider before switching insurance in Klamath falls, ORTip #1: Compare Apples to Apples

You’ve seen the commercials – “average savings of $500 a year for those who switched…” Absolutely you can save money. However, be sure that your new quote compares your current policy to the new policy – all coverages, driving records and vehicles the same. Any one thing can make a big difference. Many companies will try to lure you with great savings, but a CLUE report (comprehensive loss underwriting exchange – also known as your claims history) is not completed until after the application is submitted. Online companies are notorious for doing this.

Tip #2: Status Changed

If you’ve recently received a ticket or an accident, moved or purchased a new vehicle, have your current policy changes made prior to shopping. It is entirely possible that your new ride may get you some savings, or result in a price increase. In addition to this, if you’ve recently had a ticket fall off of your driving record, it would be worth calling the company to see if they can remove it now and save you some money for the remainder of your policy term. Regardless, if something changes, be sure to revert to tip #1.

Tip #3: Work with an Independent Insurance Agent

Independent insurance agents are discount detectives and have access to multiple companies. Even better, they know your current situation, history and can give you recommendations across many of their companies. They can compare rates between each of their carriers and let you know the benefits of each company.

Tip #4: Multi-Policy Discounts

When you’re looking for a new policy, be sure to take all things into consideration. You may be focused on your auto insurance, but if you have a package policy (multiple policies with the same carrier) you are likely getting discounts. If you move your auto insurance policy to another carrier, your home insurance may increase as much as 20% eliminating any saving you received. Take all of your policies into consideration. One additional item to consider here is if you have an umbrella policy, this is typically required to follow your home insurance policy. Some carrier require the home and auto to write the umbrella, so talk to you agent about your specific situation.

Tip #5: Your Relationship with your Agent

Knowing your insurance agent and having a business relationship with them is important. They are the ones who will go to bat for you in the event you have a claim or accident. Often times they can help you file that claim or give you recommendation on local companies to help fix your issue. If you have your insurance directly with the company handling your loss, you don’t get this representation. Having a local independent insurance agent is the way to go.

If you have questions about your home, auto or commercial insurance, call the insurance agents at Pacific Ridge Insurance. They write business across the state of Oregon from their home office in Klamath Falls, OR. Policies can easily be written over the phone by calling (888) 337-5882.  With years of insurance experience they can easily help you insure everything from your home to your auto or commercial auto insurance. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.

How to deal with a fallen tree in Klamath Falls, OR

Who is responsible if your tree falls onto your neighbor’s house?

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How To Deal With a Fallen Tree

How to deal with a fallen tree in Klamath Falls, ORNeighbors are great! You can count on them to keep an eye on your place while you’re away, let out a furry friend or even borrow some last minute ingredients! Shoot, some of your neighbors are probably some of your closest friends. But having neighbors can sometimes cause some uncomfortable exchanges.

With spring on the way, often high winds occur when the cold air and warmer air mix together. This, mixed with sometimes wet soil can bring a vulnerable tree toppling down. So, what happens when YOUR tree drops down onto your neighbor’s house, car, fence or other property? Who is liable for that and which insurance company should you call?

Well, the answer is most of the time quite simple. Whoever owns the damaged property is responsible to get the damage repaired – not the owner of the tree.

Let’s look at some specific examples:

Your tree falls onto your neighbor’s house:  Neighbor responsible to mitigate damages and call their own insurance company.

Your neighbor’s tree falls on your car: You should call your insurance company.

Now, proving any sort of negligence on the part of the tree owner is exceedingly rare. Trees die but can remain strong and standing for many years. If you or your neighbor has a tree that has died and you’re worried about it, you should call out an arborist. If the tree is the neighbors, have a conversation about the risks it poses and potential harm it could cause if it fell. Perhaps this will remedy the problem.

If you have questions about your home, auto or commercial insurance, call the insurance agents at Pacific Ridge Insurance. They write business across the state of Oregon from their home office in Klamath Falls, OR. Policies can easily be written over the phone by calling (888) 337-5882.  With years of insurance experience they can easily help you insure everything from your home to your auto or commercial auto insurance. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.

Ever wonder what celebrities insure? You might be surprised.

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Unique Insurance Policies

Unique Insurance Policies in Klamath Falls, ORWhen it comes to the insurance world, you can pretty much insure anything. There are companies that insure things for the obvious insurance reasons of liability, but also some that take risks on things like how much snow will fall in the mountains for a ski resort.

But, when it comes to making a living for celebrities, they are known for their talents! Celebrities have been known to insure their bodies for huge figures up to one billion dollars!

Some items insured by celebrities or other entities include:

  • Voice: Singers are known to insure their voice. After all, it is their voice that creates their income so insuring it ensures they will be able to make a living in the event something happens to their voice.
  • Body parts: Models insure everything from their legs and hands to their teeth and hair! Remember, insurance is about insuring your financial future.
  • Rewards: Reward have been taken out by anyone from car dealerships to cover promotions gone wrong to rewards for providing proof that the Loch Ness monster exists!
  • Abduction – by aliens! You read correctly, people have taken out insurance policies in the event they’re abducted by aliens!
  • Whiskers: Some people have amazing beards! And, as slow as they grow, it would be wise of them to insure their impeccable whiskers.
  • Insuring against a lottery: Some employers take out insurance policies in the even that more than one of their employees wins the lottery and quit, they can cover their business until they find replacements.

If you have questions about your home, auto or renters insurance, call the insurance agents at Pacific Ridge Insurance. They write business across the state of Oregon from their home office in Klamath Falls, OR. Policies can easily be written over the phone by calling (888) 337-5882.  With years of insurance experience they can easily help you insure everything from your home to your auto or commercial auto insurance. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.