Also See: Auto Insurance | Home Insurance | Business Insurance | Farm Insurance
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy also provides protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with one of our experienced Account Managers to determine the best coverages for you.
Insurance for all kinds of vehicles!
Oregon Trail Insurance can insure your Motorcycle, Classic Car, Motor Home, RV, Boat, Jet Ski, and ATV's too!
How much auto insurance is right for you?
Based in The Dalles, our team understands the auto insurance needs of our customers.
Auto insurance requirements vary by state. In some states, to drive you must carry:
- Liability coverage – to pay for losses you cause others, or:
- No-fault coverage – to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
- Both coverages.
Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:
Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
Comprehensive Insurance (Other than Collision)
Comprehensive coverage is very similar to collision coverage – the main difference is that comprehensive covers damage caused to your vehicle caused by any unknown party or “act of God”. Vandalism, flood, hurricane, theft, windshield damage and fire are all events usually covered by comprehensive automobile insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.
Every person is unique – talk to us today to find out how to get the best price and value on auto insurance for you.
Motocycle InsuranceIf you live in Oregon or Washingon, Chances are we cover what you ride. Oregon Trail Insurance insures a full spectrum of motorcycles from street cycles, Harley Davidsons, cruisers and touring bikes to dirt bikes and ATVs.
Credits & DiscountsOne of the great advantages of having your motorcycle coverage through a carrier like Safeco is that you may save money by having more than one policy with us. Our agency will be able to help calculate how much money you can save. You also may be able to save money on your premiums if your motorcycle is stored in a garage, if you belong to certain rider groups, or if you have taken a safe rider course sponsored by the Motorcycle Safety Foundation.
Oregon and Washington – What you need to know about motorcycle insuranceYour motorcycle insurance can include any or all of the options below – call us today to discuss what coverage is best for you.
Custom Parts & EquipmentIf you select custom parts coverage, you will receive up to $3,000 in coverage without any additional cost to you. Coverage is available for up to $10,000 in custom parts and equipment.
Roadside AssistanceYour policy can provide you with a roadside assistance benefit of up to $300 per breakdown.
Liability coverageYou can pick the motorcycle insurance coverage that fits your needs. Safeco offers underlying liability limits high enough to satisfy Personal Umbrella requirements, which means that you may be eligible for this additional coverage. In most states, Guest Passenger liability (mandatory on all street bikes) is automatically included at the same limit as your liability selection. Check with your agent to determine your specific coverage.
Medical CoverageThis coverage provides for certain necessary medical expenses for you and any passenger that are the result of an accident.
Uninsured/Underinsured Motorist CoverageThis coverage typically pays for expenses associated with injury or death from an accident caused by an uninsured, underinsured, or hit-and-run driver. It also covers you if you are hit as a pedestrian.
Modern Insurance for Your Classic CarIt takes more than age to make it a classic. A collector car isn’t just a way to get around. It’s an investment that will continue to appreciate in coming years.
Need the right insurance for your prize Mustang, Camaro, Charger, Corvette, Thunderbird, or other collector car?Not all classic or antique cars are used the same, so we will work with you to select the appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs.
Talk with us today to identify the best combination of coverage, value, and price for you. We can help make sure your insurance continually meets your needs.
How Much Auto Insurance is Enough?Auto insurance blends several types of coverage into one policy. Typically, your policy will include some combination of comprehensive, collision, medical, liability and uninsured motorist coverage.
Oregon and Washington – How much auto insurance is right for you?Every person is unique – it depends on your specific situation. To calculate coverage, consider:
Liability pays for the damage you cause to others if your car is involved in an accident. It also protects you from being wiped out financially if you are sued following an accident. The greater your assets, the more you stand to lose. If you have substantial financial resources, you may need liability coverage that exceeds the coverage that you’ll get from an auto insurance policy. In that case, a Personal Umbrella can provide the extra liability protection you need.
Collision covers damage to your car from an accident. We can help you decide whether or not to carry collision coverage by balancing the cost of collision insurance with the value of your car. It might not be worth paying $200 a year for collision insurance on a car that’s worth only $1,000. But if the car is worth $10,000.00, you probably want this coverage.
Comprehensive coverage pays for your car if it is stolen, vandalized or damaged in some way other than in a collision. Medical coverage provides for medical expenses to you and your passengers that are the result of an accident. What you use your car for may make a difference in the amount of coverage you need. For example, we might suggest more coverage for a parent who regularly takes a carload of kids to soccer practice than for a driver who expects to drive mostly alone.
Keep in mind that Oregon and Washington can require certain minimum levels of coverage. The right coverage for you is unique – talk to us today to find out how to get the best price and value on auto insurance for you.