Driving offers many opportunities to live a more independent lifestyle. At the same time, it’s a responsibility that shouldn’t be taken lightly. One of the first decisions you’ll make as a new driver is choosing auto insurance to protect you and others on the road. At Allen & Associates Insurance Inc., we offer a variety of coverage options and can help you determine the protection you need in Albany, OR.
Required Auto Insurance in Oregon
Like most states, Oregon requires that drivers have a minimum amount of liability coverage by law. This coverage pays for injuries or property damage of others in accidents you cause. Minimum liability insurance, however, may not be enough to cover the damage of a serious accident. If not, you may have to pay the remaining bills out of pocket. Therefore, we recommend you purchase more than just the bare minimum to protect you from financial loss.
Recommended Auto Coverage for New Drivers
Although auto accidents can happen to anyone, new drivers are at greater risk of mishaps due to their lack of experience on the road. Having sufficient insurance protection can offset any damage an accident can cause. In addition to liability coverage, we recommend the following:
Collision coverage – to help pay for your vehicle repairs if you collide with another vehicle, an animal, or an object (tree, fence, light post, etc.)
Comprehensive – to cover damage to your vehicle from non-collision events like vandalism or inclement weather. It also covers the cost of replacing your vehicle if it’s stolen.
Uninsured motorist – to help cover your damages if you’re hit by someone with insufficient insurance coverage.
Get Quality Coverage Today
At Allen & Associates Insurance Inc., serving the greater Albany, OR metroplex, you can count on quality auto insurance coverage to best meet your needs. Contact us today for all your auto insurance needs.