Auto Insurance Premiums in Klamath Falls, OR

Auto Insurance Premiums in Klamath Falls, OR – What to know

You get a bill every month (or every six months depending on your preference) for your auto insurance premiums in Klamath Falls, OR. Your policy details what is covered and what is not. What it may not detail is how the policy cost was determined. There are many factors that go into an individual auto policy price and likely, no two auto policies are the same since the factors largely depend on the insured driver.

Auto insurance premiums in Oregon may be determined by:

  • Driving History: The most obvious factor is your driving history. Drivers that have accumulated many accidents and tickets typically pay more than those who don’t. Same goes for freshly minted drivers (of any age) and those who have not had insurance for an extended period of time regardless of the circumstance. While some of the factors cannot be mitigated, a few can. Staying alert and following the rules of the road can reduce the likelihood of accidents or tickets, thus potentially reducing the cost of your auto insurance premiums in Klamath Falls, OR.
  • Age: Age is one of those factors that cannot be helped. The younger you are, they higher risk you are considered. While society considers you an adult between 18 and 21, the insurance industry considers you an adult at the age of 25 which is when insurance premiums tend to drop a bit for the matured driver. Another factor you can’t change? Your gender. In the great battle of the sexes, women take the lead on this one as they tend to be safer drivers as a whole. Women tend to take fewer risks when driving, giving females an advantage when it comes to insurance premiums as they tend to pay less than their male counterparts.
  • Location: Do you live in an area that is prone to car prowls or do you live a significant distance away from work? These are factors that will figure into your auto insurance premiums in Klamath Falls, OR. Statistically, the more you are on the road, the greater the likelihood that an accident may occur. So if you commute a long way to work (notice on your insurance application they ask you the distance from home to work?) you may incur a higher auto insurance premiums than someone who lives within a few miles of their workplace.
  • Make/Model: While that little red sports car is a tempting buy, you will likely end up paying more for your auto insurance premiums than say a family sedan. Not that you should be discouraged from buying the sports car of your dreams, just make sure you talk to your insurance agent prior to your purchase so you can be aware of the potential rate change.
  • Type of Insurance Plan: Did you go for the “platinum” insurance package? You know the one: maximum coverage and a low deductible? A lower deductible means a higher upfront policy rate. Drivers who opt for the minimum coverages required by law in their state and a higher deductible may pay less for their policy. Make sure you ask your agent about your state’s required insurance coverages!
  • Credit : A final factor that determines auto insurance premiums? A credit score. This is kind of a sensitive subject as there are some states like California that forbid the use of a credit information for an insurance policy. A credit score is used to assess risk, the thought being the higher the credit score the lower the risk, but that is not always the case. An overall driving history is the best indicator of risk, regardless of a credit score. You can check with your agent to see if your state allows the use of a credit score in determining insurance policies.

There you have it folks. There are so many factors that influence the cost of auto insurance premiums in Klamath Falls, OR. Since most policies renew every six months, the cost fluctuates each time depending on your situation. Make sure you let your licensed insurance agent in Klamath Falls, Oregon know if you purchased a new car, had an accident or ticket, or if you changed your name (marriage, divorce, etc.). The local, independent agents at Pacific Ridge Insurance in Klamath Falls, OR can assist you with adding or amending an existing policy or setting you up with a new policy. Their years of insurance experience can save you a bundle. You can also visit their insurance website 24/7 to learn more about auto insurance or the other insurance products they offer like classic car or home insurance.

Boater's Insurance in Klamath Falls, OR

Will your boater’s insurance in Klamath Falls keep you afloat?

The sun is shining, the water is warm and boating season is upon us. By now you’ve probably prepped the boat, made sure your boating license is valid and planned outings with family and friends, but have you looked at your boater’s insurance? There are many coverage options available in Klamath Falls, Oregon, and using a local, independent agent guarantees that you will have many coverage options, so you can pick a policy that suits your needs before heading out to the water.

The 411 on boater’s insurance in Oregon:

  • Bundling: It may not be possible to bundle your boater’s insurance with an existing policy, like homeowner’s insurance, as there may be restrictions on the type of boat you own. In order to fit under a homeowner’s insurance policy, boats may need to be under a certain length and under a certain price point.  There is a down side to having your boat covered under a homeowner’s insurance policy: specialized coverages may be limited or not available.
  • Specialized Coverages: These types of coverages can include On-Water Towing, helpful when your boat runs out of gas or has a mechanical issue mid-outing. Fuel Spill and Wreckage Removal may help keep you covered in the event your boat leaks fuel or if there is an accident; otherwise you may be on the hook for clean-up expenses. You may also want to consider Uninsured Boater coverage. Just like Uninsured Motorist coverage for your car or truck, this may help with expenses if your boat is hit or damaged by another boater without proper boater’s insurance coverage. Specialized Coverages may also include Personal Effects coverage.
  • Travel: Planning to sail your boat to the Bahamas? Can we go with you? Whether you are sailing your boat to a sunny tropical locale or sailing her on a tranquil lake in Canada, you need to make sure that your boater’s insurance covers travel outside your state and country. Some insurance plans may cover waterways in the continental U.S., but may not cover international waters or may only cover a boat in international water within a certain mile radius from the U.S. coast. Check with your agent to see if your plan coverages international travel.
  • Replacement: We hope that you never have to replace your boat due to an accident. In order to avoid costly out-of-pocket expenses to replace your boat, make sure that you have the appropriate replacement coverage in place long before you hit the water. There are two options for replacement coverage: Total Loss Replacement and Agreed Value coverage. Total Loss Replacement is just that, a replacement of your boat. However this type of coverage may not be offered by all insurance carriers, more likely than not the carrier will provide Agreed Value coverage. This is the value of your boat, agreed upon by you and your agent before you sign the policy.

There are many options out there when looking for boater’s insurance in Klamath Falls, OR and your local independent agents at Pacific Ridge Insurance can help you navigate your options to find the best coverage for your needs. They can also assist with a personal watercraft policy for your other water-traveling toys. Whatever your insurance needs, talk to the experts at Pacific Ridge Insurance in Klamath Falls, OR.  Their years of insurance experience can save you a bundle!  You can also visit their insurance website 24/7 to learn more about the other valuable insurance products they offer.

Home disaster preparedness kit basics in Klamath Falls, OR

Disaster preparedness kits in Klamath Falls, ORNo one wants to think that they may be stuck in their home during a natural disaster, but the reality is natural disasters happen in every state in our country. During a natural disaster, keeping your family safe and comfortable is a top priority and having a disaster preparedness kit will help you.

A disaster preparedness kit for your home in Oregon should include these basics:

Food and Water:

  • Two week supply of bottled water
  • Two week supply of non-perishable food like crackers, protein bars, dried fruit, etc.
  • Infant food and formula
  • Pet food
  • Utensils and plates for each person

Shelter and Comfort:

  • Plastic sheeting
  • Duct tape
  • Sleeping bags for each person
  • Emergency blankets
  • Battery operated or hand crank radio
  • Emergency locator beacon
  • Multipurpose tool, such as a Leatherman
  • Flashlight (and extra batteries)
  • Hand warmers
  • Battery-operated cell phone charger
  • List of emergency numbers (including emergency contacts, insurance agent)
  • Copies of important documents such as insurance cards, IDs, home inventory lists, etc.
  • Books, toys or other entertainment items for children
  • Extra clothing/shoes for inclement weather
  • A first aid kit (make sure this kit has antiseptic, bandages, small scissors, aspirin or ibuprofen, hot and cold compresses)
  • “Help” or “Assistance Needed” sign
  • Feminine hygiene products
  • Diapers
  • Hand sanitizer
  • Personal sanitizing wipes
  • Surgical masks and gloves
  • Air horn or whistle
  • Necessary medications

Safety and Hygiene:

Of course you can add additional items to your disaster preparedness kit depending on the needs of your family. Store your disaster preparedness kit in an easily accessible area, make sure you check your kit often and update it as things expire. For more information about disaster kits, please visit

We hope that you never need to use your disaster preparedness kit, but we hope that it will help get you and your family through the stress of a natural disaster. If a natural disaster does occur in our area, once your family is safe, call your insurance agent at Pacific Ridge Insurance in Klamath Falls, Oregon as soon as possible. They can help you get the claims process started. Whatever your insurance needs, the experts at Pacific Ridge Insurance can help. Their years of insurance experience can save you a bundle!  You can also visit their insurance website 24/7 to learn more about the other valuable insurance products they offer like earthquake or flood insurance.